23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

How is it fair business practice for a business to prolong an application process for their own financial gain and the consumer has no recourse? For the past four years I have been in the loan modification process with PHH Mortgage only to be forced into foreclosure or bankruptcy. During the past four years I have submitted every document requested ( approx 120-140 documents ) by PHH Mortgage during the loan modification process, all while being reassured by representatives that as long as the documents requested were submitted the loan would be reinstated. Only to be denied twice for reasons already known at the start of the loan modification process. Also, told by a representative that " We are not in the business of providing loan modifications '', but then told to resubmit a loan modification application for review. During this process I have incurred an additional {$25000.00} in fees/interest. I would understand if I did not submit the documents requested or cooperated with this process but I provided all documents requested in a timely manner. PHH Mortgage 's actions during this process was only for their financial gain with no intent of approving the loan modification. As a result of PHH mortgage prolonging this loan modification process, I can not secure a loan from any lender in order to satisfy the original loan that PHH Mortgage holds the note for. Which I believe was PHH Mortgage 's intentions in order to force me into foreclosure. Not only was i told by a representative that " We are not in the business of providing loan modifications '', the same representative also stated " He has enough equity in his hose why should we negotiate with him ''. How is that fair to me as the consumer who is trying everything possible to rectify this situation?
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$1500.00} and have paid Money 4 You back more than {$3000.00} in 7 months. I was having difficulty making the $ 527 monthly payments and requested to make reduced payments until I could pay the remainder of my balance and was denied. I asked XXXX during a phone call to revoke my authorization for ACH withdrawals on XX/XX/year> after there were 3 payments withdrawn via ACH when I had only agreed to one monthly withdrawal. However, they tricked me by telling me to make my payment online and then used my saved debit card information for subsequent ACH withdraws. I changed my debit card number so they wouldnt make ACH withdrawals but they used my new debit card number and continued to make ACH withdraws without my knowledge or consent.
Product: Debt collection

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. This creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to fix this inaccurate public record on my consumer report. My file has been mixed or merged with someone elses and the bureaus failed to properly investigate. They said they verified with XXXX XXXX, XXXX XXXX removed this fraudulent public record after an investigation ( I have attached proof ). I contacted the US Bankruptcy court they said they did not report any information concerning me to any of the bureaus ( I have attached proof ). Lastly I have filed a report with the CFPB about my situation with the merged file ( I have attached proof ). I will not stand for this blatant violation of my rights.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report- I noticed that there were accounts opened under my name that I did not authorize. It is unlawful to be punished for acts that one did not commit. Since last XX/XX/XXXX I have been sending letters up to all three bureaus discussing the issue that I am facing and nothing has been done. This has prevented me from obtaining a vehicle and building my credit score as effectively as I would like.. I did not authorize the following accounts/inquiries and I would like them to be removed from my credit report. 

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 I also have a vehicle that was 86 % paid off that I owe {$1600.00} on that I could not continue to pay on due to the condition of the vehicle. The vehicle has not ran since XX/XX/XXXX, yet I was still making payments on it and renting a vehicle. I would like some assistance on those late payments being removed from my report as my car has not been in drivable conditions. I also sent letters up to all three bureaus discussing this issue.
Product: Debt collection

I noticed a collection on my credit report and I reached out to the company regarding the amount. The company lied and said they would remove the item from my credit report. I have a recorded call where the debt collector stated this. I disputed the item and they lied to the credit bureau stating that the balance is correct after that informed me that I should pay {$320.00} dollars, which was paid prior to the item being disputed. This company lied to me and the XXXX XXXX and violated the FCRA laws. I have consulted with an attorney to explore my rights under this violation.
Product: Debt collection

I received a phone call a few weeks ago concerning a debt owed to XXXX XXXXXXXX XXXX for XXXX XXXX XXXX XXXX. I am not familiar with nor have O ever heard of either one of these entities. I asked the representative to send me something in writing. The correspondence that I received states that I owe {$4900.00}. I have no knowledge of this debt and have never heard of XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. 
There is a further reference about a XXXX XXXX XXXX, I don't know of them either.
Product: Mortgage

XXXX XXXX - XXXX - XXXX - Goldman Sachs My original loan ( re-fi ) was processed by a lender that had no license, in a bar with no notary present. The Mortgage Broker had no license - his Broker lied and said he did the loan - I never met the man. The Illinois XXXX XXXX of Banks and Real Estate said the Managing Broker of this Company will never have another license in Illinois without answering to this complaint. He is now doing reverse mortgage in Florida last time I checked. The person who did my loan has a cease and desist order against him in Illinois for other financial deals. 
My loan had a pre-payment penalty addendum - I asked the Lender over and over - no pre-payment penalty correct? Yes, he answered over and over - HE FORGED MY NAME. - The very Document they are sueing me with is a forgery. 
My lender told me my taxes and insurance were included with my payments - I circled the language during my signing of the papers - TAXES AND INSURANCE WERE NOT included in my payment of {$1200.00} per month. I paid more than {$26000.00} to get, my mortgage out of foreclosure. I was told by the Attorney representing the Mortgage Company it would be illegal to take my check if it was not every penny I owed to get my mortgage up to date and out of foreclosure. They took my check - the Judge dismissed my suit. 
One month later the Mortgage company sent me a notice that my account was still in arrears more than {$8000.00} - surely there must be a mistake as this is illegal, right? 
My mortgage increased from {$1200.00} per month to more than {$2600.00} per month. I paid the mortgage as long as I could hoping to get this straightened out. 
In 2010 I received a trial modification - 3 months which I paid successfully - and was denied a permanent modification - as the " INVESTOR '' did not approve. 

I NEED a permanent modification to save my home! I was told today by XXXX 's Representative I {$50000.00} payment would need to be made to obtain a modification. I see that XXXX is not on the list of HAMP/HARP Servicers - but the Owner is Goldman Sachs as I understand it as it has been for quite some time. Transferred to another servicer owned by Goldman Sachs. 
I am on my XXXX Attorney to fight this loan - and each time the Attorneys say I have a case. XXXX Mortgage is getting very close to getting a judgement against me as my Attorney is XXXX and seems to have given up. I need help getting a loan modification and help with this situation.
Product: Checking or savings account

My mother died in XXXX. I found out in XXXX that my bank declared me deceased and froze all my accounts. In XXXX I was able to finally use my credit card, but my autopay was still frozen. All my autopay bills and checks bounced. After many phone calls and complaints I ended up having to close all accounts and open new ones. I lost all my credit which was in the 800s. Yesterday I found out that two of my XXXX siblings have also been declared as deceased, and they do not use the same bank. Yesterday, I spent 45 minutes at the bank trying to figure out how this could happen. My siblings and I each shared a CD with my mom. I think that someone at US Bank marked the three of us deceased when they processed the CDs. The banker told me to have my siblings go to a US Bank to prove they are alive and have the bank call life events. I am still clearing up my accounts and now my two siblings are going to have to spend months trying to prove they are alive, fix bounced payments and credit cards, and try to fix their credit scores. Someone needs to find out where this major error occurred and correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Hello, During the process of trading in the vehicle and paying it off. It appears a late payment notification was added to our Credit report. The account has never been late and is paid off in full. 
May you please update the 30 days past due in may Thank you very much!
Product: Credit reporting or other personal consumer reports

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

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Product: Debt collection

This debt belongs to XXXX for an incident that happened at my property. I provided amerassist with all of the information they need to collect their payment. They still call me from different numbers harassing me to pay.
Product: Credit card or prepaid card

According to my credit report there have been 2 attempts, in the past 3 days, to fraudulently obtain a credit card in my name. I have called XXXX XXXX XXXX and was informed the application has been shut down. However I have not been able to find anyone at Citi Bank to help me. I have put a freeze on credit file and I have written letters to all three credit bureaus.
Product: Debt collection

I have already tried to get into contact with XXXX about this debt, they always directed me to Caine & Weiner and when I tried to get on a payment plan, they tried to take the full amount, go figure scummy debt collector tactics. So when I contacted Caine and Weiner about it, I got no reply. Im not paying anyone over the phone, as a victim of Identity Theft myself, why the heck would I pay some random person over the phone, that would be very stupid and very irresponsible. Now XXXX is threatening to sue me, one of their minions called one of my employees phones and gave out private information. I dont know who called, but the Law Offices of blah blah blah is not calling me back to clear this up. I think the voicemail box is for XXXX XXXX and her number is XXXX ( XXXX ) XXXXXXXX XXXX as usual is no help and doesnt seem to respond to CFPB complaints or phone calls. I would like to settle but seems like someone is dragging this out. Who do I talk to about this!?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All of this above information is false, inaccurate and this is my second complaint. I have disclosed that I did not live at the residence the XXXX account is associated with. The house was sold to XXXX and XXXX XXXX. I will be attaching the deed title to show proof. This debt belongs to the XXXX not XXXX. I have reached out to this company and they continue to state this is my debt and it is verified which is a LIE. 

I have not lived at that residence in years and this account is from XX/XX/XXXX of XXXX. This information, date, debt, address, is all false and incorrect. You are violating my fair credit report rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found I had a hard inquiry for home furnishings company " Conn Applian '' ... I have not applied and purchased furniture in 2 years. This a red flag for identify theft.
Product: Checking or savings account

XXXX XXXX XXXX was offering a {$320.00} sign up bonus offer in conjunction with Sofi Banking ; terms were as follows : - Sofi to pay out {$350.00} via XXXX after signing up for an account and depositing {$5000.00} - Sofi to pay out {$300.00} directly after signing up for the same account and depositing {$5000.00} The offer 's terms and conditions explicitly called out new users being eligible for both sign up bonuses. 

I had taken all required steps outlined in XXXX XXXX XXXX XXXXs ; however, XXXX is claiming that due to a " platform error '' on their end, they are unable to uphold the requirements of the offer. 

I have reached out to XXXX numerous times, without getting response or resolution. 
XXXX support ticket numbers : XXXX, opened XX/XX/year> XXXX, opened XX/XX/year> XXXX, opened on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please remove the accounts completely from my Credit Report : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with RADIUS GLOBAL SOLUTION I do not have a contract with RADIUS GLOBAL SOLUTION. They did not provide me with the original contract. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

I was married, we divorced last XX/XX/2023. She has not been paying her bill to XXXX XXXX. she has begun a debt consultation with a company. the issue is I'm evidently and unknowingly an authorized user on her XXXX XXXX  account and I did not know it. I called XXXX XXXX and they said she would have to remove me from her account. this was XXXX. Today my ex-wife called XXXX XXXX and had me removed as a user on her card. now I'm still showing over 120 days late on that account. I have great credit please help. thank you.
Product: Debt collection

When I originally received products I was told I had so much time to pay of interest free. I spoke with someone in phone about payment and said I could go to the bank of needed. The woman stated no she would post date it for next day no worries. I specifically asked her if it would effect my no interest in which she stated no. I made various attempts and reports to fix issue even asked them to pull call to listen. They immediately began to charge exssesive interest. They got me in a high interest no principal payment. Told them to wasn't working properly and even though it should be covered under warranty they refused to fix it. Told them come get items they don't work. They never did. They harrassed me various times daily. Told them to stop calling they refused. Now yrs later found out from some letter in the mail from a law firm stating I may have been sued. Absolutely absurd!! Predatory high interest company that intentionally tried to XXXX me over, refused to help me when I reached out, and now suing me, after they harrassed me and all my references for yrs. For items that stopped working and we're under warranty but refused to cover. So I'm supposed to just sit back and XXXX XXXX XXXX why they XXXX me and my family over again and again? Worst scam ever. They should be ashamed. I struggle trying to make ends meet for my children and now they have some right years later to sue me without properly informing me, so that a judgement can be entered against me. Way to go Conn 's!!! Now maybe I will never be able to rent a home for my children because of some judgement. I'm not a hateful or mean person but in this instance O hope this company gets the same treatment they give everyone else
Product: Credit reporting, credit repair services, or other personal consumer reports

Cmre XXXX XXXX  medical still showing on my credit report after being paid by law office and disputed three times with company I have letter of paid in full to be removed from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on my report unknown names and address this is preventing me form getting job and place to live. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, Wi XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, OH XXXX XXXX PL, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, IL ( 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 VIRGINIA XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX D XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CO # XXXX WISCONSIN XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 i ( a ) ( 1 ) ( A ), Can you reinvestigagte the completeness and accuracy of the following accounts below : XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.