23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I submitted an application to Select Portfolio Servicing for a loan modification due to Covid and was denied for contradictory reasons. I lost my primary income of XXXX  in my home when Covid hit and was on Pandemic Unemployment Assistance ( PUA ) until it ended on XX/XX/XXXX. During the period of time I was receiving PUA I was able to afford my mortgage payment. Since PUA ended, I have been struggling financially to make an income that will pay my bills. There are two people on the loan, myself and XXXX. XXXX and I have been not living together since XXXX, but remain married on paper for the purposes of retirement ( his retirement goes to me upon his death ). I don't have a retirement so I can't afford to lose this benefit. XXXX is also XXXX XXXX XXXX than me. In XXXX I was able to successfully obtain a loan modification from the same company because they understood the situation and took into consideration XXXX expenses as well as his income, including the fact his income covers his household. When denied the loan modification, they gave me several reasons : 1 ) There was too much money ( they failed to take into account XXXX expenses and allocated all his income to this household ). 
2 ) There wasn't enough income. ( which is it, not enough or too much? ) 3 ) I wasn't on unemployment. ( I would be on it if the federal government extended it ) I have tried to communicate numerous times the specific situation I am in, including voluntarily sending letters of explanation, and expenses statements for XXXX. However, I have been unable to ascertain if the underwriter actually has reviewed them. Furthermore, I am being told there XXXX be other reasons for denial from the investors, such as not wanting to do a second loan modification. Nothing of this was stated in my denial letter, and this is not being transparent. 

I understand that mortgage companies received federal monies to assist people that have been affected by Covid. This is me. I'm trying very hard to make ends meet and generate an income. I'm borrowing money to pay the mortgage and it's not sustainable. If I had received a loan modification, even a temporary one, it would be easier to make the payments. I am scared to death to get behind on my payments because I am afraid of losing my home that I've lived in since XXXX and have no intentions of ever selling or moving. 

I would like my mortgage company to review my file in detail and acknowledge that the scenario is the same as XXXX when they granted me a loan modification, only this time it is directly a result of Covid. 

This is eerily like XXXX when mortgage companies received government funds, but did not pass along to the consumers. I wonder how much they received in government funding due to Covid.
Product: Credit reporting or other personal consumer reports

Failure of XXXX, TransUnion, and XXXX to block information under 15 U.S.C. 1681c-2 ( a ) I am writing to bring to your urgent attention, a matter concerning the NON-COMPLIANCE of XXXX, TransUnion, and XXXX with

the provisions set forth in 15 U.S.C. 1681c-2 ( a ), which mandates the blocking of information upon notification within four ( 4 ) business days. Regarding the following ID Complaint Numbers, as stated in my earlier email to the
Consumer Financial Protection Bureau on XX/XX/year> ID-Complaint Number : XXXX ID-Complaint Number : XXXX ID-Complaint Number : XXXX I notified the aforementioned credit reporting agencies of erroneous information that requires blocking under the aforementioned statute. Despite this notification, the agencies have failed to adhere to the statutory timeline and have not blocked the disputed information. 

I thus ask the Consumer Financial Protection Bureau to step in right away to guarantee that my rights under the Fair Credit Reporting Act are upheld since XXXX, TransUnion, and XXXX have seriously damaged my finances and reputation by failing to comply with federal law. 

I kindly request prompt action by the Consumer Financial Protection Bureau to investigate this matter thoroughly and to enforce compliance with 15 U.S.C. 1681c-2 ( a ) by XXXX, TransUnion, and XXXX. 

My Next action is Legal Ramification against the CFPB as well as all the Credit Reporting Agencies that continues to violate my Consumer protection Rights. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

The merchant and Bank of America did not properly review the documents I provided. Using the same information B of A provided, is the exact reason for my complaint and dispute. I purchased high end tickets, AGREEING to terms that were broken by the merchant. See attachment for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the recent letters were sent. Right now, I am not satisfied that Credit Bureaus have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please remove the account from my file ASAP : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it XXXX  and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX CO Account Number : XXXX
Product: Debt collection

This Company " Universal Payment XXXX  XXXX  of XXXX  '' has entered a debt information on my credit file in the amount of {$11000.00} as a payment it claimed to have made to " XXXX  XXXX  XXXX  of XXXX  '' to finance a product development deal that I have with XXXX  XXXX. 

The problem is, XXXX XXXX XXXX was never paid any such money and had long halted the service for not receiving payments. 

So this Company neither paid XXXX XXXX any money nor gave me any money directly as financing for any deal. 

Therefore the debt claim by this organization is spurious and fraudulent simply because I could not owe this company for money it neither gave me nor paid to any entity on my behalf.
Product: Credit reporting or other personal consumer reports

I sent dispute letters to Equifax, XXXX, and XXXX on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year>. I received 1 response from XXXX on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX : {$0.00}
Product: Student loan

In XXXX XXXX, A submission to PSLF was submitted to XXXX and was approved. In XXXX XXXX, XXXX XXXX took over but did not address what forms of payments qualified. XXXX XXXX payments made but stated are n't towards any plans. XXXX XXXX still no action from XXXX regarding transfer of loans. Finally got hold of an agent in late XXXX XXXX and was told to resubmit all documents to be placed in a plan. I feel cheated and neglected to be advised from XXXX XXXX until XXXX XXXX XXXX 3 Months credit ) of payments not counting towards anything. I spoke to agent about credits, and was told sorry, no credits. 

To make matters worse, once qualified, no indication of any payments are towards any month crediting towards the 120 payments in any month 's statements. The only notice received at year end was to resubmit annually an employment verification form to be reviewed. This posses a delay for those who pay on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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
Product: Debt collection

I checked my credit report on XXXX XXXX and notice a collection debt. Called up a company named Midwest Recovery who was not the original creditor. I told them there must have been a mistake. So I disputed the debt. The original collector was XXXX XXXX XXXX XXXX. I never heard of them and never borrowed money from them, but some how they got my personal information. The debt that they said I owe was in the amount of {$660.00}.
Product: Credit card

Last year, I filled out a card application for a US Airways Credit card. BUT I never submitted it. I gather that it was left at the seat and some airline employee submitted it for me. When I received the card I immediately canceled it. BUT a hard credit inquiry was made by Barclays Bank in XXXX Delaware which stays on my Credit report.
Product: Debt collection

XX/XX/XXXX date happened Aldous & Associates , PLLC collection agency XX/XX/XXXX first contacted by the debt collector {$240.00} total debt that they claimed I owe
Product: Payday loan, title loan, or personal loan

Harassing phone calls repeating every minute.
Product: Mortgage

NewRez/Shellpoint. I have been current in all my mortgage payments. I received a call early Saturday morning telling me Shellpoint Servicing for NewRez was calling to collect a debt which could result in foreclosure but he did not know exactly for what or how much. After I asked several questions I deduced it was the mortgage payment. I called the number he gave me on Monday and got nowhere. In fact, I called all the numbers I could find on the internet and got me nowhere. I finally got a reply when I complained on XXXX. They purchased my loan, I got a letter and set up auto pay with my bank but they never sent me any statements after that. They never picked up my insurance coverage with the last lender but were charging me {$800.00} per month for the last 4 months for insurance that I already had on the house. The house payment is {$1100.00} per month.They were sending the statements and all mail to this vacation home in which no mailed is delivered to anyone up there. They are still sending me emails that I owe them this money after I have cleared this up with them. I recall a loan, 3 years ago on my primary house, also sold to them and they were charging me {$1000.00} per month for insurance I already had. It got so bad I just refinanced with another lender. NewRez and Shellpoint are basically the same company however I found one side does not know what the other side is doing. In my opinion, it is a scam they have going to foreclose on people that do not understand the industry. NewRez/Shellpoint should be contacted and instructed to stop charging outrageous fees for home insurance 4 months after the fact when they have not done their due diligence to make sure they have acquired proof of insurance from the last lender and the mailing address is correct. They have a copy of the deed which shows the correct mailing address so they have no excuse. Odd they contacted me by phone after charging me for 4 months for home insurance, {$3200.00}, instead of calling me in the first place. I would not be surprised if other homeowners paid their fees just to get them from harassing them further and fear of foreclosure. This is a horrible way to do business and have never had this issue with any other lender. 
I would think this would be against Fair Lending, U.S. Department of Housing and Urban Development ( HUD ), Full Disclosure laws and the Department of Real Estate laws.
Product: Payday loan, title loan, or personal loan

I open a loan with One Main Financial in XXXX for 60  months term, I have paid every single payment, with the exception of putting 3 or 4 payments on the back end of the loan I also paid the interest to do so. The loan was suppose to be paid off in XXXX the finance company continued to tell me that it wouldn't be paid off until the end of XXXX which makes it 2years beyond the payoff date the original amount of the loan was {$8000.00} at that rate I am being charge over {$24000.00} on a five year loan and have made all my payments every single month something is not right when I spoke to one of the representative they said my loan was switch to a different method and no one ever reach out to me or explain who change my loan I would like for you to see what you can do to assist in this matter and you have my permission to review any and all documentation pertaining to this loan there got to be others out there that have suffer the same fraudulent action. 
Thanks, XXXX XXXX
Product: Debt collection

I contacted Portfolio Recovery on XX/XX/2020 on a recorded line we came to agreement that if I payed XXXX $ this debt would be deleted. The agent spoke with manager to confirm this. They also sent a email and assured a letter of this agreement would be mailed to me. The agent on the phone assured me this debt would be deleted No later than than 30 days from the date on the payment agreement XX/XX/2020. Portfolio Recovery agreed to delete this debt off of my credit report. They left a balance on my credit report of XXXX. This was not the agreement. I also have documentation from the email that they sent of the agreement. I want this deleted as agreed on a recorded line to and per email once payment was made this would be deleted. This company is so shady and ridiculous. They should be fined!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have been contacted by this company multiple times and have sent a cease and desist letter asking not to be contacted again. Letter was mailed on XX/XX/XXXXfrom the post office. I was not contacted again until today, XX/XX/XXXX, by XXXX XXXX. I returned her phone call at XXXX XXXX & she became very hostile over the phone when I refused to pay. She claimed they did not receive the cease and desist letter, when I asked for an address to send the letter again she refused to give me the address until I answered her questions. She claimed the call was recorded, and I hope it is for the CFPB to investigate, as when I asked her to not contact me anymore she said she would continue to contact me. She also claimed this could come back to hurt me ; did she mean physical? Right before she hung up on me she mentioned the type of car I drove. A scare tactic like somebody is watching me or was she misrepresenting they would try & take my car which has nothing to do with this case? She claimed the debt was for a high interest loan taken out online with XXXX XXXX XXXX.  When I research XXXX XXXX XXXX their interest rate is above the maximum legal amount allowed in Tennessee and Northwood Asset Management is not licensee to collect debts in Tennessee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) Account Name : XXXX XXXX  Account Number : XXXX 2 ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 3 ) Account Name : XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX  XXXX Account Number : XXXX XXXX ) Account Name : XXXX  XXXX Account Number : XXXX XXXX ) Account Name : XXXX  XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Correction Needed for Car Loan Reporting with XXXX XXXX Dear XXXX XXXX, I am writing to urgently address the persistent incorrect reporting of late payments on my car loan account, which was enrolled in a deferred payment program. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions.

Additionally, under 15 USC 166b, a creditor may not treat a payment on a car loan as late for any purpose. Despite my repeated disputesover nine timeswith the credit bureau, they are neglecting the fact that these months were deferred. Regardless of being marked as 30 days past due, no payment was due during the deferred period.

I urgently request your intervention for an immediate review and correction to ensure accurate reporting, removing any erroneous late payment notations. 

Please see statements to confirm this inaccuracy. 

Thank you for your swift attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I was contacted by XXXX XXXX XXXX in XXXX XXXX XXXX stating that they were collecting on behalf of Jefferson Capital Systems for debt acquired from XXXX XXXX in the amount of {$2200.00}. That was the first time that I was made aware of this debt. I responded with a request for debt validation, and then began disputes against the debt held by Jefferson Capital Systems through the 3 different credit bureaus ( XXXX, XXXX and XXXX ). I also placed a freeze on my credit files and issued a fraud alert. XXXX XXXX XXXX ended up sending a validation letter in XXXX XXXX XXXX including documents to support the alleged debt. These documents do not include any full account numbers or unique identifying information for me aside from name and address. This debt is not owed by myself as I did not request any funds in any way from the original creditor ( XXXX XXXX ).
Product: Credit card

Applied for XXXX credit cards with XXXX XXXX  received a denial based on information in a consumer report which violates Federal Equal Opportunity Act ( Regulation B ) and XXXX XXXX- XXXX XXXX. Principal received no benefit of the collateral security ( Application ) by withholding such principal securities, which is Breach of Contract by company not upholding their fiduciary duty and obligation to the Principal and contract.
Product: Debt collection

Twice already in 60 days this collection agency sent me a letter about an alleged debt that I owe. Twice already in 60 days I've asked this collection agency for verification of this alleged debt. Twice already I've given this collection agency the 30 days permitted by law to provide me with verification of the alleged debt. This collection agency has now had 60 days to provide me with verification of the alleged debt. This collection agency failed to do so. This collection agency continue to harass me with collection letters.
Product: Vehicle loan or lease

Please attached. This company is engaged is some outlandish accounting and credit reporting actions. They have reported me as being late, and most egregious, have been charging me late charges every month, even though I pay every month, per the receipt of my military XXXX compensation as originally agreed upon. My bank statements and their accounting 's are not in-line at all. They won't address the matter with me at all. Not over the phone, and have not sent me an accounting as they said they would. Instead they have stopped taking my phone calls all together. When I called previously, their agents would tell me that I have no account with them, even when I send them the account number from the bills that they send me however, when I call the same number, the automated system finds me easily to accept payment. The payment is presented as on-time when making it, but then reflects as late, with a late payment added, every month At this juncture, I simply want the CFPB aware of what this company does systematically.
Product: Credit card

There was a capital one account created in my name and a credit card opened on XX/XX/XXXX. XXXX. XXXX XXXX  was taken out of an atm in XXXX  XXXX. I am stationed in XXXX  XXXX  and do not live in XXXX  and have never banked with capital one or owned a credit card through any company, I found this through my XXXXXXXX XXXXl app on my credit score.