23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB, I started struggling to pay my mortgage in XX/XX/XXXX. PHH Mortgage offered me an initial payment deferment/loan modification for 11 months in exchange of one monthly payment of {$1000.00}. Please see attachments. The paperwork and process took so long due to language barriers ( I only speak XXXX ) and lack of servicing options that another month went by and another payment became due. PHH Mortgage knew I was now 12 months behind and could only make one payment. That one payment made on XX/XX/XXXX to process the modification was supposed to be applied to the upcoming month of " XX/XX/XXXX '' but PHH posted the payment as a XX/XX/XXXX payment. Therefore, my loan was never brought current as a result of the first modification. Additionally, my payment in XX/XX/XXXX was considered a payment for XX/XX/XXXX, and my payment in XX/XX/XXXX was considered a payment for XX/XX/XXXX. Mortgage payments for XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX have not been paid due to another financial hardship due my wife 's health. I am XXXX and my wife was helping with household expenses pre-COVID, like groceries and utilities, but since XXXX  she has not been able to and the little help from family stopped. We know that starting in XX/XX/XXXX we will be able to get back on our feet and we can start paying our home on time. I just need help getting the loan caught up and any late fees removed. 
I have sent A Request for Mortgage Assistance Application to PHH and am also seeking your help. Their documents are confusing and I am afraid of losing my home. This situation is very stressful, I have to rely on others to help me due to language barrier. I will appreciate whatever help you can extend to move this along to bring my loan current. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, Pennsylvania XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Account To Whom It May Concern : Equifax I am writing to formally dispute the inaccurate reporting of a XXXX account that is inaccurate XXXX This account is negatively impacting my credit score and overall creditworthiness. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. I believe that the entry related to my XXXX account number XXXX is reporting incorrect information as it reflects. 
XXXX. Equifax date opened is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
How can we say this is accurate if both are reporting different dates. Please remove this inaccurate account. 
XXXX XXXX XXXX is XXXX XXXX XXXX last payment XXXX XXXX How can we say this is accurate if both are reporting different dates. Please remove this inaccurate account. 
XXXX states this account is opened XXXX XXXX states this account is closed.

How can we say this is accurate if both are reporting different dates. Please remove this inaccurate account.

15 u.s code 1681 of the FCRA, credit reporting agencies must ensure the accuracy and integrity of the information they report. The continued reporting inaccuracy information is not only misleading but also detrimental to my credit profile.

I have enclosed copies of relevant documentation, including my credit report circling all inaccurate information. I kindly request that you investigate this matter and remove the inaccurate this account from my credit report.

Please confirm receipt of this letter and provide me with the results of your investigation within the 30-day timeframe stipulated by the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

o The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My student loan shows a period of delinquency when I was actually in an XXXX repayment plan o Im the victim of XXXX XXXX  and I dont recognize one or more of the accounts on my report. 


have attached a copy of my report with the accounts in question circled. ]
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing based on my previous request to remove several unauthorized credit inquiries from my credit file. Despite my initial attempt, these inquiries remain unaddressed and present on my credit report. Upon reviewing a copy of my credit report, I noticed the presence of multiple unauthorized inquiries, which were made without my knowledge or consent. 

The continued presence of these unauthorized inquiries is unjustified and has negatively impacted my credit score and overall financial health. It is crucial that these unauthorized inquiries be removed immediately. I kindly request that you would help me investigate these unauthorized inquiries and remove them from my credit report. Please assist me provide confirmation once these inquiries have been removed or inform me if further information is required to process my request. With this, I am asking for your assistance to remove these unknown inquiries : 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 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 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 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: Mortgage

I bought a building in XXXX of XX/XX/2018 and the people that were hired to help with the purchase completely took advantage of me being a first time buyer. These people ( Agent, Bank, POA representative, and the Appraiser ) are all involved. I believe that my loan is preparatory because of the following : 1 ) .Property sold for too much.

2 ) .Previous owner told me things were fixed but weren't.

3 ) .In the Last six months not one property has been sold for the amount that i paid for my property.

4 ) .I was sold this building without any regards for my financial obligations.

I would like help getting my money back and getting completely out of the deal so this property doesn't put me in a financial hardship that i am on my way to being!
Product: Credit reporting or other personal consumer reports

This is several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Product: Credit reporting or other personal consumer reports

Experian and XXXX I have reported that someone was using my credit and that I did not make certain inquiries or charges on my account they did not send me any information that I needed to continue to get this off of my credit and it has caused problems nor have they resolved the issue in fact all three credit bureaus have different credit scores
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this XXXX  account because it is not me the address they have does not match mines. I also disputed XXXX XXXX XXXX  and merchant credit guide. It is in violation of the 15 U.S.C 1681G Law this is not verified.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under XXXX XXXX XXXX XX/XX/XXXXXXXX and XX/XX/XXXX XXXX had 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 an 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. Accounts need to be removed from report.
Product: Mortgage

On Thursday, XXXX XXXX, 2023 I received an email from my mortgage handler that stated ; " On XX/XX/XXXX, Mr. Cooper became the target of a cyber security incident and took immediate steps to lock down our systems in order to keep your data safe. We are working to resolve the issue as quickly as possible ''. On XXXX, XXXX XXXX, 2023 I received a notice of cancelation for nonpayment of my homeowner 's insurance policy from XXXX XXXX XXXX and XXXX XXXX the insurer. This was the first and only notice I received. The letter stated that the policy had been canceled for nonpayment XXXX XXXX, 2023 per policy terms. On Monday, XXXX XXXX, 2023 I called my insurance agent to explain that the mortgage handler must have failed to make the disbursement and explained that they were subject of a cyber attack and have cut off all communication with their clients except for updates posted to a webpage, so I am unable to shed any light on what happened or is happening. My only recourse was to make an out of pocket online 3 month minimum payment on the policy to reinstate the coverage. So that is what I have done. Today is Thursday, XXXX XXXX and I still can not get and customer service from Mr. Cooper and still have a tax disbursement that is about to be late in not paid ASAP.
Product: Debt collection

we never owed their client anything in XXXX of this year they reported something that they say we owed since XXXX which is not true we where patients at this practice up till last year this company is maliciously after us they has same thing on my husband please see below CARTER-YOUNG INC Potentially Negative potentially negative icon Account NameCARTER-YOUNG INC Account NumberXXXX Account TypeCollection ResponsibilityJoint Date OpenedXXXX StatusCollection account. 
Status UpdatedXX/XX/XXXX Balance {$85.00} Balance UpdatedXX/XX/XXXX Recent Payment XX/XX/XXXX Monthly Payment {$0.00} Original Balance {$85.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent disputes 3 times every month starting XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still no results in removing this account that isnt mine XXXX XXXX XXXX XXXX NEED TO BE DELETED FROM MY CREDIT REPORT ASAP
Product: Student loan

Mohela failed to notify me that my payments for the past 8 months will not be counted toward my PSLF and did not pause my payments while we're in a national forbearance. When I called to ask questions today ( XX/XX/year> ), I was told my wait time would be XXXX XXXX with no option for a phone call back when it was my turn. I've now been on hold for XXXX hours and XXXX minutes. They are now closed for the day. This is completely unacceptable. I called at XXXX AM and it is now XXXX PM.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

On XX/XX/XXXX, I started receiving phone calls from various numbers on an almost daily basis. I screen my phone calls so I only answer calls from numbers I know but when I saw a flood of strange numbers, I started using XXXX to identify the numbers. I noticed a pattern of the calls were from Midland Funding, calling under different numbers maybe six or seven different numbers. They never left a message. 
I know of Midland Funding, what they do, their reputation, etc. I know theyre a company I have no interest in dealing with. Since they never left a message, I have no idea if theyre even calling for me, they could be calling for a prior owner of the phone number. If they are calling for me, I have no interest in doing business with them, no idea of any accounts they could be harassing me over. Furthermore they are in violation of the Fair Debt Collection Practices Act, 1692g, as many more than five days have passed since their initial XXXX XXXX call and they have not sent me a validation letter, or any letter. I have no idea of an account number attached to this account, if there is one. 
If they are calling for someone else on my phone number, I expect them to delete this number from their system. The phone number is ( XXXX ) XXXX for them to investigate. If their purpose in calling does involve me, I expect them to close the account in exchange for their violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting my balance owed as {$2900.00}. 
i only owe 4 payments left which is {$1400.00}. please update this immediately. 
my social is XXXX XXXX XXXX XXXX XXXX is also reporting a 30 day late from XX/XX/2021 which is incorrect as when i made the payment they reported they did not receive it. 
please remove this 30 day late immediately and update my balance.
Product: Credit card

On XXXX/XXXX/16 I received a couple e-mails from Kohl 's stating that my account had been updated and an order placed. I, nor the other card holder had done neither. When I opened the emails, I found that someone had not only changed the name on my account but also the address. Within an hour of these events happening, I called the Kohl 's credit card customer service number provided on the card. After an exhaustive explanation, I was told the cards would be closed, new cards issued, they would try to stop the order and they would investigate. I continued to receive emails that the order was shipped XXXX XXXX/XXXX/16 XXXX, delivered XXXX XXXX/XXXX/16 XXXX, and, no surprise- a refund had been processed XXXX XXXX/XXXX/16 XXXX. I 'm surprised that these events took place even with me notifying them within ONE hour of the changes made on my account. ***How can a name and address be changed on an account and an order immediately placed and no safety measures in place to alert for fraud and protect me as a consumer and themselves as a company? *** As bad as this seems, I received and activated my new cards and on XXXX/XXXX/16 attempted to make a purchase that would not process. I placed a call to customer service and was told that I could not use the cards due to fraudulent activity. I stated that the fraud was on the original cards but that these were new cards. She stated that the new cards were also flagged for fraud and could not be used. I told her that since Kohl 's can NOT protect my information to close the account. I have been a card holder for 10+ years and so I 'm aware that my credit may take a small hit but it will be so worth it versus entrusting my information to this organization. Upon closer inspection with the original and new cards, it appears that the account is the same on all XXXX cards. It appears that Kohl 's simply issued XXXX new cards in the original account with last XXXX numbers being different. SO, I guess the original account was really never closed as I was told would happen. And so again, how did Kohl 's protect my information? And why was the account not closed? As a consolation, I received a letter from Kohl 's dated XXXX/XXXX/16 that states I am not responsible for fraudulent charge. I guess it was just divine intervention that I attempted to use the newly issued card to XXXX that the new cards issued were just extensions to the original account.
Product: Debt collection

AMERICAN COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This is a Medical account. Which was not reported correctly to the credit bureau companies.It was charged off years ago. Which has Violated my FRCA and Possibly my HIPAA. PLEASE refer to all XXXX credit reports for all errors I have tried to dispute this with every Credit Bureau. However, AMERICAN COLLECTIONS keeps repeatedly providing incorrect information. I have also tried to reach out to AMERICAN COLLECTIONS only to be verbally abused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I got a credit report pulled and it was showing that I had been 17 times late on my car payments with XXXX XXXX I call them that day and they told me that I was behind on my car payments two difference cars. I told them that I had the bank statement show that I did pay them and on time. I had to fuix to them my Bank statements it took them three months before they gave me credit for thos payments there was two payments that they told me that I did not pay I fax a letter to XXXX and told them they must report to all three credit agents that I had not been late. But they never did. I have been on them since XX/XX/XXXX. I got a call today from XXXX saying they wanted to let me know that they was going to have 14 late 's removed from my credit reports. i told them that they was going to cause me to loss our home because I have a bloom payment in XX/XX/XXXX. The lady said so there is nothing that I am going to do about that. I call the head office of XXXX in XXXX IL. and they sent me my pay History and it show that I have never been Late on my payments. I have a loan company called XXXX XXXX XXXX that is working with me on refinancing our home But they are telling me that they can not do the loan until I get all off my report. I even sent they my bank statement showing I had paid them on time. I need your help. I have all the proof to all three credit  Bureau 's and they still have not removed anything and it has been three months. I have sent it them each month and all the proof that this is fraud from XXXX XXXX. Please help me.
Product: Debt collection

On XX/XX/2019 at approxitmley XXXX, a gentlemens that only identified himself as XXXX call my work phone number. I explained to him that he should not be calling me at work and he indicated that he didnt have any other phone number for me ( untrue ). I ended the call as I was in a meeting and he subsequently called my cell phone and then my work phone again within a matter is minutes. 

The debt belongs to my son. However, I did co-sign his loan. 

My son has XXXX XXXX  issue after a susicide at his school and had to take a XXXX XXXX XXXX XXXX. He called to request a hardship defferment from Wells Fargo and was told that he needed to make a payment first and then they may grant him a 6 month deferral. When he tried again to explain his finical sistuation, they failed to offer him any other options. 

The loan was charged off and it was brought to my attention when it hit my credit report. I then called Wells Fargo to complain and was told I sign a contract and there was nothing further they would do. The Representative I spoke with was very unprofessional and raised his voice often. I explained that my goal was to resolve this debt and the representive said there was nothing more they would do.
Product: Mortgage

Fay Servicing, LLC., confirmed my Loss Mitigation application of XX/XX/XXXX complete on XX/XX/XXXX and the previous years of XXXX up to current dates, for review and options, which may included ; change the terms of loan, lower interest rate, extend term or maturity date of loan, deffering unpaid principal balance to the end of the loan. Broken promises by Fay Servicing and their Investor ; XXXX XXXX XXXX XXXX. XX/XX/XXXX Fay Servicing ( denied ) loss mitigation, during my loss mitigation up to current date, Fay Servicing has posted the Trustee Sale ( s ) on XX/XX/XXXX, XXXX, XX/XX/XXXX and now XX/XX/XXXX and previous years to foreclose on our property while in review of our Loss Mitigation. Fay Servicing and XXXX XXXX are in { Violation } of The California CiviL Code Section { 2924.11 } for " DUAL TRACKING '' while in review of my Loss Mitigation and my Appeal I have filed on XX/XX/XXXX per " Qualified Written Request ''. Fay Servicing and XXXX XXXX track records and patterns of ; deception, misrepresentation, unfair business practice is allowed by ; USA Federal and State Government Agencies whom are to regulate Mortgage Fraud!!! 

Unfortunate, I was forced to file XXXX Bankruptcy and forced to refinance and List my property for For Sale ; to satisfied Fay Servicing and XXXX XXXX over {$260000.00} in ( erroneous-arrears ) {$550000.00} in principal balance a total of {$750000.00}. The previous complete Loss Mitigation ( denials ) during the forbearance plan with no mortgage relief, the { death } of my mother in-law { mortgagor } in XXXX all contribute to our hardships. The only thing Fay Servicing and their Investor, XXXX XXXX are concerned about, are the real properties to foreclose on the hard working class.