23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In early 2020 me and my family were the very first American families impacted by the COVID 19 Pandemic. Of course, since we were sick and with an uncertain future in the early 2020, we miss some payment on my mortgage, auto loan and credit card. I contacted my creditors and since congress passed CARES Act. Most of my creditors agreed to relief me with my payments and to do not report any late payment on my credit report. 
The only company that refuses to relief with the late payments on my credit report is my mortgage company Loancare LLC. I contacted them and I was enrolled on a forbearance until XX/XX/XXXX. when I first contacted this company, I was past due in my payments because as I said I was once of the first American families hinted financially by Covid 19. 
Now I am current on my payments, but this forbearance destroyed my credit score, this company is reporting late payments on XXXX, XXXX, XXXX, and XXXX of the 2020. I contacted them one more time and they said they are reporting late since when I enrolled on the forbearance, I was past due, and they continued reporting the late payments on the missed payments before I enrolled on the forbearance. This just do not make sense because for obvious reasons I got into the forbearance because I was struggling making payments due to the coronavirus pandemic. I have the impression this mortgage company is misinterpreting the guidelines n the CARES Act. 
I am not a lawyer but its for common sense the CARES Act gave relief to borrowers struggling making payments, I think the representatives I spoke unknow a protocol for my situation.
Product: Debt collection

On XX/XX/2020 I was attended at XXXX XXXX XXXX XXXX XXXX with a suspecting of XXXX. I wasn't feeling well and during the interview previous to my attendance I made clear I did not had insurance to cover for the XXXX XXXX. They them told me not to be concern about it as it would be treated as an XXXX XXXX. They never made me clear I would start receiving collection attempts just a few days after my attendance. It is really outrageous that they are taking advantage of people at a time of weakness. I already filled three different complains about this same subject with CFPB but never got any return of my case. Instead, the only thing I got is a hurt in my credit and a continuous harassments of many different collection companies calling, sending collection letters in an attempt to collect a debt I did not owe.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft which has caused a great deal of issues in my personal life and financial background. I have accounts on my report that are not something I authorize and have been trying to address the issues for months. All I am able to get from the bureau is that they verified the debt/inquiry and they are valid. By invoking the Fair Credit Reporting Act Section 611 I thought that finally things were going to turn around and I would get some resolution. It has not been over 60 days and no reply.

Listed below are the items I am still trying to resolve : Public Records XXXX XXXX Reference Number XXXX Date filed XX/XX/XXXXXXXX  Charged Off Accounts XXXX XXXX XXXX XXXX XXXX Acct No XXXX Acct No XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX XXXXXXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Mortgage Service XX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am submitting this complaint against Great Lakes Educational Loan Services in regards to not providing me with information regarding loan repayment programs such as XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX during the time Great Lakes Educational Loan Services served my student loan from XXXX to XXXX. Despite I worked for a non profit XXXX organization for 6 years during XXXX to XXXX, it looks I am not getting credit under the XXXX XXXX XXXX XXXX due to the fact that Great Lakes Educational Loan Services did not enroll me in an Income based XXXX XXXX XXXX. Instead, my loans were put in Deferment. I am the first one in my family to attend college. I come from an underserved background. I was not informed by The Great Lakes Educational Loan Services that I could had been enrolled in an Income Based Program instead of putting my Loans in Deferment.
Product: Credit reporting or other personal consumer reports

I was out of the country and provided proof to CAPITAL ONE with my XXXX PASSPORT and stamps in my passport showing my departure date from the XXXX and return date. During this time frame, my personal information was used to obtain credit and I was never aware of it, until I looked at my credit report. I then filed a FTC report, and CAPITAL one is still saying they found no fraud, HOW IS THAT POSSIBLE when I was out of the country? They can not substantiate any documents or proof?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the major credit bureau multiple times requesting an investigation to verify fraudulent account debt, as I asked who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. XXXX XXXX : XXXX, XXXX XXXX : XXXX.
Product: Credit reporting

I currently hold a credit card with XXXX XXXX XXXX, which offers a maximum available credit balance of {$800.00}. Previously, I held a debt with this card of over {$790.00} ; however, I have paid the credit card down to {$280.00} a while ago. Thus, XXXX XXXX XXXX has not reported this correct balance on my credit reports, which reflects my credit card utilization ratio.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure why this account is still being shown on my report. XXXX already removed the tradeline from the report as this fraudulently opened. XXXX has already removed the tradeline but for some reason, XXXX and Transunion keep saying the information is accurate?? Please have these removed immediately as it is impacting my credit worthiness and future purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuing to furnish inaccurate information to the credit bureaus that they were ordered to remove last year pursuant to the settlement agreement with the attorney general 's office. my credit report currently reflects an auto loan as charged off opened XX/XX/2017 and closed XX/XX/2017 balance {$13000.00} XXXX continues to ignore their responsibility in this matter and has maintained this disputed account as accurate. they are violating both Federal and state laws. I demand accountability and action to resolve this matter as I am being harmed as a direct result of their failure to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring services and was alerted an address i did not recongnize was on my credit report. I immediately tried to dispute the address with Experian but i was told i could not do so becaise XXXX reported the address. I then immediately contact XXXX to advise this was not my address and i did not know where the address came from. I was told by XXXX my address was updated and would be changed on XX/XX/XXXX as it takes 30 days for the information to update. Its been over 2 months and the info has not been corrected. I have made multiple attempts with both Experian and XXXX and getting nothing but the run around. I am asking for this informtion to be corrected on my report immdediately.
Product: Debt collection

Received a call from XXXX. XXXX XXXX claimed he was coastal financial legal department. Stated he had me on camera in a store and that charges are being brought against me for defrauding said company. He 's called me, my mom, dad, grandma, brother, sister in law and cousins. Seriously?!?! Is this legal??
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX account # : XXXX.
Product: Checking or savings account

I received an email on XXXX telling me that my savings account ( and other accounts ) will be closed within 60 days because I had " violated the terms of your account per the client manual ''. I spent XXXX hours on the phone trying to understand what I had done wrong and they told me on various occasions that they could not tell me over the phone and that it would be best if I go into a branch or wait until a letter is mailed to me. 

There are no branches within XXXX miles of my house, and so going into a branch is normally impossible. However, I was in XXXX XXXX, Utah at the time I received the email and I learned there was a branch in XXXX XXXX, Nevada ( XXXX hours away ). 

So after waisting several hours on the phone getting no answers, I drove XXXX hours to XXXX XXXX. In XXXX XXXX, I was told that a deposit I had submitted had my wife 's name associated with that money. ( The money was formerly in my wife 's XXXX account, but her name is not on the Citi savings account where I moved it to. ) My wife does not work, and so I contribute money to both her XXXX XXXX IRA and to my XXXX XXXX IRA. In 2024, I exceeded the income limitations of the XXXX IRA and so XXXX needed to return those funds to me. So I had my XXXX IRA funds transfered to my XXXXXXXX XXXX XXXX and then into my Citi savings account. I had my wife 's XXXX IRA funds transfered to a joint credit union, XXXX, and then moved that money from XXXX to XXXX and then into the Citi savings. ( XXXX ) I did not realize it was not permissible to move that money into my Citi account. ( XXXX ) Citi said I could remedy the situation, but would need to have my wife drive back to XXXX XXXX and have her added to the account. Unfortately, we are unable to go back to XXXX XXXX, and so I have no choice but to let my account close, and have my savings held hostage for 60 days. 

Again, I did not realize what I had done was wrong. Furthermore, I couldn't even found out what I did was wrong until XXXX hours of relentless effort to understand what the problem was. Then, once I found out what the problem was, I was presented with an option that I simply could not do due to schedule constraints. 

Maybe Citi could have saved me A LOT of time and frustration by saying, " some money was deposited that had your wife 's name on it. We can not accept that money and we are returning it. '' Instead of, " you did something wrong. We won't tell you what you did wrong. And we are going to hold your money hostage for 60 days and close all of your Citi account. '' Throughout this whole experience, I have found Citi to be completely frustrating, unwilling to work with me, and a typical " big bank '' who cares nothing for their customers, and only cares about their shareholders. After getting similar treatment from XXXX XXXX several years ago, I swore I would never bank with big banks again and stick with credit unions who have treated me so well. Well, like a dog after its own vomit, I went back to a big bank, and... once again... got screwed. I have learned my lesson, and will NEVER bank with a big bank again. I am happy to keep my money with credit unions.
Product: Mortgage

We applied for a reverse mortgage loan from Mutual of Omaha Mortgage on a manufactured home since XX/XX/year>. All necessary documents were submitted and we were told everything went okay. Inspection on the mobile home foundation was ordered and repair was done to meet FHA guidelines. Initial cost for the inspection {$450.00} and the repair cost XXXX {$2600.00}. XXXX days before a second inspection reviewing and reassessing the repair to meet FHA guidelines, they emailed me that the loan was denied due to a violation of the mobile park XXXX XXXX XXXX under HUD regulation. Due diligent should have been used investigating the matter at the very beginning of the loan process to protect and avoid expenses on the consumer. We lost time and money on the loan which should have been denied before the inspection because of their poor work ethnics.
Product: Credit reporting or other personal consumer reports

Good evening, This is my second attempt to fix all remarks below regarding each account. The account listed below have been linked to my credit report fraudulently. I have requested verification and validation under the laws of the FCRA and your office has failed to provide me those documents. At this time I would like to inform you that I have also contacted each company and they have also failed to verify these accounts. Regarding my last dispute your office stated that the accounts were Verified. However, who verified these accounts? 

Please see the fraud collections below Account name XXXXXXXX XXXX XXXX XXXX- Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account XXXX Account name XXXXXXXX XXXX XXXX Account XXXX Account name XXXX XXXX  XXXX  Account XXXX Account name XXXX  XXXX XXXX XXXX opened XX/XX/XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

ATTACHED IS A COPY OF MY FTC REPORT REGARDING EACH ACCOUNT!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

****please see my attachment*** I'm a little concerned about the way you're conducting your investigation on the negative items that i've sent in the last 4-6 months. If you noticed on the attachments, you will clearly note that it's impossible that you open a true investigation into each of those companies listed, because they continue to report incomplete, inaccurate, and unverifiable information. Nothing has legally been sent to me to validate the accuracy of these accounts listed. I've contacted each of those companies as well and open an investigation with them, but they continue to give me numbers to contact the credit bureaus by either phone or mail or their website. These accounts are in violations of FCRA and FDCPA and many other consumer laws and therefore, it's impossible that you could say that you conducted a true investigation. I don't want a general investigation through your e-oscar. I need to know who you contact in each of those companies and what documents they legally provide to you and what was the method of investigation.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX  XXXX Balance Owed : {$48000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

Filed the retun on XX/XX/year>. They filed itas a missing package. On XX/XX/year> - I submitted the package was rejected that it was between the merchant and the usps ( XXXX is who i spoke ). I requested a temporarily credit and it was filed wrong. Every form they requested including the merchant saying it was returned ( that was on XX/XX/XXXX ) .I spoke with a romone who said this has gone on to long and would follow it personally. Here we are today my money not returned and speaking to people who can't spell XXXX. Another supervisor said they don't work on claims. XXXX is who I'm speaking to now has told me is was reported as fraud now at XXXX on XX/XX/year>. They say the investigation is still ongoing. I attached every piece of screenshots I've submitted to them to get the idea..this isn't right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the US DEPT ED/XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX XXXX between the years of XXXX. My school misconduct application was received by Navient on XX/XX/24 and I was denied without a reason as to " why '' on XX/XX/24. There has been plenty of evidence of misconduct with this school and I was approved for XXXX XXXX XXXX for my federal loans, I feel that my application with Navient should have been approved given the amount of evidence of misconduct that was brought against XXXX XXXX XXXX  through lawsuits, attorney generals and Senators. 

I submitted a second application along with documented evidence of this misconduct and it was received by Navient on XX/XX/24. I am still waiting to hear from them on an approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was notified by XXXX via email that an account in my name was late on payment. After receiving this email, I logged into my XXXX account and saw that I had an account with a balance of approximately {$3000.00}. The account was listed as SYNCB. I immediately called Synchrony Bank advising them of the situation. They stated I did not have to do anything else at this point. 

On XX/XX/XXXX, I contacted Synchrony Bank to check on the status of their investigation. They stated that I now needed to file a report. I immediately went to IdentityTheft.gov and filed a report ( report number XXXX ) with the Federal Trade Commission. Afterwards, I called back and provided the report number. They stated I do not need to do anything else at this time. 

On XX/XX/XXXX, I called Synchrony Bank again for an update. They told me that my claim was rejected and that I needed to file a police report now. On XX/XX/XXXX, I went to my local police department and filed a police report ( report number XXXX ) for identity theft at the XXXX   XXXX Police Department. 

I am highly upset about this whole situation because Synchrony Bank have not been helpful with me throughout this stressful process. I called and advised them that I was a victim of identity theft. They denied my claims without explaining why. They did not reach out to me throughout this investigation. I was the one who had to reached out to them by phone for all three interactions. They kept advising me that I did not need to do anything else until I called them back for an update on the investigation. If there was really an issue found during the investigation, they should have contacted me via phone to ask for additional information or paperwork but they did not. I had to reach out to them every single time to ask why my claims was rejected when they stated I did not need to do anything else at the time.