23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying since XX/XX/2021 to obtain a VA Disaster Modification OR a VA Covid Partial Claim. NO ONE and and I mean NO ONE has tried to help me get my mortgage back on track and I have never been able to speak with a supervisor or my dedicated Loss Mitigation representative to obtain assistance with this matter. It seems that your company wants me to go into foreclosure and lose my home. This is very disappointing. 

I have tried to appeal the VA Disaster modification decision and explain that I can make the mortgage payment even if the payment increases but NO ONE has offered to assist me. I have asked for a VA Covid Partial Claim and NO ONE has submitted the request for review. I am told that I must submit a full Modification Application with all documents to be considered for loss mitigation options. But, when I speak with the VA Regional Office they said there is a streamline ( no document ) option for VA mortgage borrowers that does not require a modification application. Again I can not get any remedy with your company because NO ONE is calling me to provide me with clear instructions on how to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe XXXX XXXX XXXX XXXX. The credit bureaus all come back stating the information has been verified. XXXX XXXX XXXX XXXX has been paid to the original creditor by my insurance company before any collections. XXXX XXXX XXXX XXXX Is reporting to unpaid accounts on all my credit reports that are incorrect.
Product: Credit reporting

Many Hard Inquires from XXXX to XXXX that were not issued by myself the owner of the account. 
I 've called Equifax Credit bureau about the fraud committed against me and each time I call I 'm denied the right to dispute those hard inquires that has help destroyed my credit.
Product: Checking or savings account

my name is XXXX XXXX, my passport number is XXXX, my phones dad number is XXXX, Im from XXXX XXXX open an account in bank of america in XXXX when i was in the XXXX, the account number is XXXX, in XX/XX/XXXX, the bank of america decided to close my account ( they must have their reasons ), the problem is that they sent a check to my adress but I have never receive it, cause I returned to my country at that time so I traveled to the US again a couple of times for vacations but I tried to request my money to bank of america, and they told me that the check is not available cause somebody, not me, had already cashed the check, I went to my branch-where I open my account, an executive called XXXX filled a request in their system and gave me this number of that request XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

in this moment, for me, the bank of america has robbed me about XXXX XXXX it was almost the ammount that i had in my account balance qhen they closed my account. 
I hope that consumer finance could help me in this case, the bank of amerika robbed me cause I am a XXXX 

thanks in advance, i am not a XXXX  XXXX speaker, if you want to contact me, I would prefer XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I am a victim of identity theft and someone applied for and got approved for a Best Egg personal loan using my name and personal information. I have never applied for a Best Egg personal due to me being XXXX from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Mortgage

XXXX XXXX XXXX sold out to Carrington Mortgage while I was waiting on my insurance claim due to Harvey ... Thousands were affected by this storm so I waited my turn ... I have filled out emailed and faxed numerous documents to Carrington ... They seem to have a different answer and form with each call..Carrington has sent out a inspector and know what my money has been spent on.How long do I suffer because I had proper insurance coverage???
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, you are required to eliminate any false accounts from my credit report. Could you please examine the documents? There are discrepancies in the amounts and dates of some listed accounts.
Product: Credit reporting or other personal consumer reports

Ive sent all my disputes to XXXX Transunion and XXXX, but instead of resolving the problems, they keep sending back letters that seem like theyre stalling. It feels like they arent taking any real action, and Im getting really frustrated with this back-and-forth. Im tired of dealing with it, and it seems like theyre not fixing the issue at all. This is outrageous, and Im considering contacting an attorney to get this sorted out once and for all. 

I have attached there letter.
Product: Credit reporting or other personal consumer reports

I have been disputing an account with XXXX XXXX XXXX for a while now. Theres a CLOSED ACCOUNT from them on my credit report. The account doesnt belong to me. The account been closed on my report for over 2 years. Today I received an email from EQUIFAX stating that XXXX XXXX XXXX ( ADDED ) extra money to that account within the past 24 hrs. For whatever reason, I have no idea. The account have been closed and under investigation and money has NEVER been added to that account until now. This is fraudulent and unreasonable. Ive spoken to EQUIFAX about this matter and the gentleman stated that he has NO IDEA why money was added.
Product: Payday loan, title loan, or personal loan

The debt collector threatened to call my job and find out where i was to arrest me on site.
Product: Credit reporting or other personal consumer reports

Trade : XXXX XXXX XXXX # XXXX. 
was illegally reinserted on my consumer report without any notice to me within 5 Days as required in accordance with the FCRA. 

The basis of my dispute is accordance with FCRA 6801 and 6802. 

Additionally, FCRA states I have a right to PRIVACY and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions. 

I demand this account be deleted again permanently from my consumer report immediately I can prove this account was illegally reinserted because I am a paid subscriber to more than one credit monitoring service ( s ) and will be willing to provide proof in a court of law if I file a complaint to take this to court. 

. 
XXXX XXXX XXXX - # XXXX. 

Remove this account immediately.
Product: Mortgage

Since the beginning we have had nothing but trouble with this company, about two years now, they continually raise our monthly payments and upon inquiry as why they were going up we were told it is due to a missed payment and it distributes that months payment across a 12 month period, which would be fine if we were actually behind! Additionally, every month we try to make a payment online it simply says that a payment can not be made to an unknown error, we have tried several different browsers and computer still did not work, forcing us to make a payment through their telecommunication and proceeding to charge us a penalty of {$40.00} or so each month. However, what brings me here today is another issue we continually have with them is that, this month we were actually able to submit a payment online and recived a statement stating that the payment was received and successful on the XXXX however today we received an email stating that the payment failed and they have charged us a {$15.00} failure fee, an additionally {$30.00} processing fee or something, and now a late payment. When we called the mortgage company to make the payment again because a website can not refund these fees as I feel we are entitled to a refund due to the fact that, we received a successful payment statement and they waited XXXX days to contact us which made our payment late, we now have to pay the telerep fee, and upon demanding a manager several times the representative refused to let us to talk to XXXX. This company is a crook! and upon looking at the XXXX reviews it appears that many people has had the same issues. 
Thank you.
Product: Debt collection

Caller would not identify where they were from. I asked several times and told the gentleman that if he would not identify where or what he was calling about, I would not speak with him. He finally said that he was calling to collect a debt from XXXX XXXX XXXX. I asked him to send me a bill and that I would take care of it. He said that he had sent one in XXXX and continued to tell me that since I was on the phone I should pay him now. The beginning of the call was uncomfortable to begin with. I do not trust giving someone that refused to identify himself in the beginning any money over the phone. We went back and forth several times and I was cordial and firm asking him to please send a bill so I could take care of it. He threatened to add it to my credit report. I am not denying that I owe a debt, I just asked the gentleman, if he is with XXXX XXXX XXXX, to send me a bill and I would pay it. I take responsibility, but I do not feel like I deserve to be threatened and harrassed. Unfortunately, I was diagnosed with XXXX XXXX in XXXX and was in the midst of an XXXX XXXX regimen that lasted until this month. That is no excuse, but this debt obviously slipped through the cracks. I just don't believe that I deserve to be treated this way.
Product: Credit reporting or other personal consumer reports

XXXX  interest charge fee fees on credit cards.
Product: Money transfer, virtual currency, or money service

I called up PayPal yesterday to cancel my account and they told me I had to cancel my credit card with them first. I followed up with that call and received a confirmation text stating that I cancelled my card. I proceeded to close my PayPal account and they wont allow me to do it. Im so frustrated and was waiting online and on the phone for an hour. Thank you.
Product: Debt collection

I sent in debt validation letter to XXXX XXXX on X/XX/2017 certified mail and received a response on XXXX XXXX, 2017, from XXXX XXXX saying, " You indicated that you wish to dispute or verify information on your credit report. In your correspondence, you did not indicate what specific information you were disputing or verifying. '' They claim that I did n't say what I was disputing but a copy of my debt validation letters states in writing that I said " I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. '' I also told them that this was " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. '' XXXX XXXX did not provide me adequate proof that this is my debt all they provided was a bill that 's not mines, XXXX XXXX in return sold the debt to Jefferson Capital on XXXX XXXX, 2017, after my debt validation letter was sent out and signed for. Jefferson Capital then contacted me and I sent them a letter too on XX/XX/XXXX and they sent the account back to XXXX XXXX that sent out a copy of 3 bills on XXXX XXXX 2017
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate closed accounts listed on my credit report. After reviewing my credit report the information regarding these closed accounts is inaccurate and should be removed. The company failed to send a 1099c form from the IRS, the cancellation of debt form was not received. Under FCRA 15 U.S.C. 1681e ( b ) this company violated, and the agencies are required " to follow reasonable procedures to assure maximum possible accuracy. 

Upon checking my credit report I have found these inaccurate accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Bank of America, when I received a Pro-active monitoring alerting thru XXXX. I filed a dispute that I did not open the credit line. I provided the Fraud agent XXXX with my account information AND the XXXX dispute number I entered when they denied I opened new credit. After a 45 minute conversation they finally admitted they did receive an application in my Name for a XXXX XXXX credit card and said the application had not been approved and would be blocked. They open the card anyway. XXXX was the manager. I had been advised they went ahead and opened the credit card. ( XXXX ) They opened this despite me filing a dispute and pushed it through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ran my credit and noticed the below accounts on my file that are not mine. I have attached an IDENTITY THEFT report with this dispute letter.
Product: Vehicle loan or lease

On XX/XX/2021 XXXX sent a loan payoff check to the address given to me by BBVA. The BBVA representative apparently gave me a PNC address ( which they are currently completing a merger ). The check went to a PNC location, XXXX XXXX XXXX, XXXX, PA XXXX and was signed by an XXXX XXXX. XXXX is saying that PNC cashed the check. The payment was never applied to my BBVA account. BBVA opened two investigations and can not find the check, which I've sent them a copy of with information about it being cashed. PNC says they have no record of my check and can't access my account because they haven't completed a system merge. I can not get in contact with the PNC location that the check physically went to. XXXX can't perform a stop payment and reissue the check to BBVA because PNC has cashed this check.
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 15 USC 1681. 

Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Has violated my rights. 

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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I opened credit charge account with XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX I made a purchase with XXXX XXXX XXXX XXXX in the amount of XXXX and received promotional rate with 0 APR for 12 months. They offered me deferred interest for 12 months if I paid my purchases in full by the end.. My promotional purchase expired on XX/XX/XXXX. By that time I paid my balance by 50 percent and my ending balance was XXXX. On XX/XX/XXXX XXXX XXXX   charged me deferred interest to my original balance of purchase in the amount of XXXX. I was not aware that creditor charges interest to the original balance of my purchase regardless what amount has been paid off. They charged me 29.99 percent APR which is ridiculously high and almost doubled my ending balance. As of XX/XX/XXXX my new balance was XXXX. I contacted XXXX XXXX and asked them to reduce my deferred interest since half of original balance has been paid already by the end of promotional rate. They advised me that if I pay my balance within 30 days, then the deferred interest will be removed. I made two additional payments during billing period to reduce my ending balance as much as possible. However creditor applied only one of my payments to my XX/XX/XXXX statement and charged me additional interest in the amount of XXXX. I contacted XXXX XXXX again and asked them why they did not apply my 2nd payment to my statement. They stated because the statement was generated before they received my 2nd payment. They did this in purpose in order to charge me more interest. This is deceptive billing practice from XXXX XXXX and they stated they are unable to adjust interest since they have to follow Federal regulations and I signed a legal contract with them. I feel that XXXX XXXX disrespects their customers and they charge a high interest after promotional rate expired because of their deceptive billing practices and deferred interest policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a medical bill that I had medical insurace. I submitied my medical insurance and the medical insurance company did not bill me but sent it to  XXXX  collection agency that reported the debt to equifax. I provided the insurance information. I am told that the will notified all credit agencies. The debt still show up in my Equifax report. Date -  XX/XX/2015,   Amount  - {$240.00}. Equifax did not take any action
Product: Debt collection

Tower Loan will make several calls everyday about payments. They have been verbally asked not to call repeatedly with the intent to harass me in between payments. I received a letter via USPS mail regarding a past due balance of {$190.00} dated XX/XX/2023. Tower loan then had someone come to my home from their office in XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ) and put another letter in my door that was dated for XX/XX/2023 for a delinquent amount of {$190.00}. Tower Loan does not have a lien on any collateral here at our home and had no reason to come there. The loan was acquired via a live check that was mailed to my home that was deposited into our account and no collateral was offered as a means to secure the loan. This type of collection practice should not be occurring and under no circumstance should they be visiting my home.
Product: Checking or savings account

An account was created for my mom at Chime bank without her consent and her social security checks were directed to go there without her consent. I was made aware that there are also many other social security checks being stolen in this way because this institution is not properly verifying individuals in person and simply allowing people to open up an account online.
Product: Mortgage

I refinanced my loan 3 years ago. I have never received a statement during this time frame and thought I could only make my mortgage payments on line. Each time I made a payment I was charged an extra fee of {$5.00} to {$10.00} each transaction. There is no where on the web site advising me of my right to mail in a payment and not have to pay the extra fee. I have been trying to reach customer service for a mailing address and so far have been on hold for over 2 hours and it is XXXX. ( open till XXXX per web page )
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX Amount : {$10000.00} Dates : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately! Attached is my police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

In the past year i have been the victim of identity theft/fraud multiple times. All of my personal information, including my SSN, DL #, Phone #, Name, and personal Address have been obtained by a fraudulent third party. I have had multiple lines of credit opened or attempted to be opened in my name resulting in negative hits on my credit. I have disputed and resolved all of the previous identity theft and fraud attempts but, I have once again fallen victim to identity theft/fraud. 

According to XXXX ... on XX/XX/XXXX there was an account opened with original creditor ( XXXX XXXX XXXX  for {$3200.00} which was past due as of XX/XX/XXXX. It was then sent to collections around XXXX to the debt collector 'Credence Resource Mana ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were opened without my knowledge and have no connecting to me. 

A dispute through XXXX was opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a New Credit Inquiry on my credit report that I no nothing account. 

The hit is from : FACTUAL DATA. 

I monitor my credit report weekly. 

This hit showed up on XXXX and XXXX. 

I need your help to get this off my credit report. 

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

I am upset and highly frustrated to know that there has been false and fraudulent reports noted on my credit report that i did not consent nor authorize! This is causing a lot of horrible delays with my employment and would like this to be taken off immediately!