23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have now defaulted on a loan with World Finance Corporation. When I attempted to make a partial payment. The lender returned the partial check via mail refusing the partial payment. Now they are attempting to collect and contacting my leasing office as well as my employer to gather information on me. Both the document sent to my landlord and employer are falsified. The document that I completed at the time of receiving the loan were not the same documents that were submitted to my landlord and employer. The area in which you give authorization to collect such documents is from another document that I signed. Those documents were not amongst the original documents that I filled out. Therefore, I believe that they duplicated my signature in order to collect information about my address and employer.
Product: Debt collection

I had no knowledge of these credit agencies putting these collection on my report without my knowledge. They appeared on my credit report within the past 6-12 month span ranging from {$500.00} - {$3700.00}. I have different companies constantly calling and emailing me for a collection I do not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. A scam likely number called my phone informing me that I was approved for a loan and proceeded to get my information under false pretenses.The opened fraudulent accounts for XXXX XXXX, XXXX, and XXXX using a fraudulent address which I have never lived at. I have made numerous attempts to contact the company. XXXX XXXX, XXXX, and XXXX have not been able to verify the information according to the law and XXXX, XXXX, and transunion have not deleted the unverified and fraudulent accounts off of my credit report. A fair resolution would be to have these fraudulent accounts deleted off my credit report permanently.
Product: Mortgage

I entered the CARES act mortgage forbearance due to a covid-related hiatus in my job. I only entered this agreement, via the loan servicer XXXX XXXX, regarding a Nationstar Mortgage, because XXXX assured me that there would be no modifications to the terms of my loan ; they assured me that the missing payments would be added to the end of the loan ( as was widely reported and understood ), without any adjustments to interest rate, repayment period, or total amount paid back to the loan. This was an " interest-free forbearance. '' However, Nationstar changed servicers to Mr Cooper ( for some reason ), and when I tried to exit the CARES act in XXXX and XXXX, I was forced through awkward options on an app, assured that the paperwork was in the mail, and then when I received it ( having no idea what the app was trying to force me into ), I noticed that Nationstar was trying to refinance my mortgage to a much higher interest rate. I never requested this ( knowingly ) and this is certainly not what Nationstar 's servicer had promised me when entering into the CARES act. Had I known I was going to be pressured into something like this, I never would have entered the program in the first place. Now I am being threatened to either enter this program ( which will cost me {$90000.00} over the life of the loan ) or to pay the lump sum immediately. Otherwise my credit and that of my elderly mother cosigner will be negatively effected, without notice. I don't understand why Nationstar is not adhering to the program that they assured me I was entering into, but now I am between a rock and a hard place, having my family threatened, with no viable solution forward ; least of all the solution that I agreed to. I would also be willing to enter some sort of payment program, but they insist there are no such options and I don't have much flexibility after the hiatus in work. Now I have been making good faith payments for three months, beyond the minimum, but Mr. Cooper says they will not accept any further payments unless I repay the lump sum forbearance amount in full. Is CFPB just sitting by, allowing millions of people to be robbed by this program that was meant to help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of getting a mortgage lender is having difficultys getting my credit report from equifax. Ive have called equifax to fix these issues they told me to send in my information. After sending my documents multiple times they are unable to find a credit file under my name. I currently have open accounts under my credit report dont understand why arent they able to release my credit information to my lender. After many weeks trying to get this problem fixed I have yet been able to get a solution.
Product: Debt collection

Hello- I would like to lodge a complaint about this credit company - I bought a pair of boots for approx {$65.00} - it was with TJX and it was a new store so I filled out an application for a new account with all of my personal information - email address, phone number etc. I was approved and bought the boots. 
Then we moved - all of our creditors bills were sent to the new address and everything was paid on time. Except with this company. 
The parent company if Synchrony Bank and I have other accounts with this Bank ie JC Penny - so they have many ways to contact me. However, I never received a bill from TJX.

Because I never received a bill, TJX started to add on interest charges and two years later I receive a letter from XXXX XXXX that I now owe {$180.00}. 
I have tried to negotiate a more reasonable amount like {$75.00} or whatever but this is highway robbery and it is unethical. If it has happened to me then it has probably happened to others - I am XXXX years old and this may be happening to many seniors in our country.

I would like to find a resolution to this matter. Please help. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance {$64.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}.
Product: Debt collection

Ive contacted the credit bureaus to investigate and initiate the fraud alert on the scam thats under my name and the creditor seems to be ongoing about this situation.
Product: Debt collection

I provided detailed information to this company that i had overpaid XXXX XXXX XXXX  XXXX in full, and was due a refund that i disputed XXXX XXXX. XXXX provided the credit. 
XXXX sent to collections to XXXX XXXX that i provided with all the documentation. At which point they said they would go back to XXXX to obtain proof of the amount due in the first place. Which was never provided. I don't know what legal action i can take, but will be suing them if they damage my credit, which i received a letter that they threatened to do. 
I have proof i owe nothing to them, already paid to XXXX all amounts due. 

This damaging and i would like XXXX XXXX held responsible for unfair debt collection practices as they have no proof that i owe any amounts.
Product: Credit card

I have XXXX  ending in in XXXX that I have been UNABLE TO USE FOR A YEAR at ALL yet they charged me {$75.00}. I no longer have access to my original phone number that I had used to set up an account with Barclays ( Credit card ending in XXXX ) I have been UNABLE to CLOSE the credit card ending in XXXX with Barclays and BARCLAYS HAVE BEEN MAKING IT IMPOSSIBLE TO CLOSE IT RENDERING IT A NIGHTMARE as they had been trying to verify MY IDENITY calling a NUMBER I used when I set it up a year ago that I NO LONGER HAVE ACCESS TO. 

I want to IMMEDIATLY CLOSE THE XXXX XXXX XXXX XXXX account with Barclays. I faxed them DL, SSN, Bank staments and still I am unable to close this account YET they CHARGE YEARLY FEES FOR IT!! It takes WEEKS for them to respond Their outsourced call centers keep me on the line for HOURS with rude agressive staff that XXXX speaks XXXX I can understand. 

The bank due to its negligence have been obstructing my ability to use the card AT ALL. rendering it IMPOSSIBLE to avail of the advertised benefits of the cards. I could not use them for MONTHS and I am unable to close XXXX EITHER YET they are OBSTINATELY CHARGING A XXXX $ yearly fee for an account that CAN NOT BE USED by me. 

It is the Barclays BANK itself that is engaged in ABUSIVE FRAUDUELNT ACTIVITY. 

I am filing this CFPB complaint again for the same credit card. THERE IS NOW WAY TO COME TO SENSES WITH Barclays INSITY AND ABUSIVE LACK OF DILIGENCE at this BANK OF CHAOS that serves US customers with offshore centers that HARDLY SPEAK XXXX few can even understand. 

ABUSIVE DISCRIMINATION of AMERICANS with high value credit score AT ITS WORST. They ignore or respond with absolute non actionable NONSENSE or numbers that are nothing but general phone numbers that do not allow to solve ANY PROBLEMS. WORST credit card I EVER HAD worst customer service i EVER EXPERIENCED in my LIFE. 

Kind Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S. 1681 SECTION 602 A. STATES I HAVE A 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. 

ON XX/XX/2022, EXPERIAN AND XXXX FALSELY REPORTED XXXX XXXX XXXX XXXX FOR {$340.00} WITH A 346 MONTH TERM AS A COLLECTIONS ACCOUNT ON MY CREDIT PROFILE. THIS WAS AN AUTO INSURANCE POLICY I SIMPLY CHOSE NOT TO RENEW. I HAVE CONTACTED ALL PARTIES VIA PHONE AND DIRECTLY THROUGH THE CREDIT BUREAUS WITH NO SUCCESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion sent me an email of the update they did to my XXXX XXXX account after I filed a dispute because they had not closed the most recent loan that I refinanced and updated all. Now they are showing incorrect information on the old account they closed! They are showing me 30 days late in XXXX which is NOT correct! I refinanced the loan XX/XX/XXXX. The last payment XXXX took from my account for this loan which was refinanced was XX/XX/XXXX for {$740.00}. My payments were due on the XXXX and I made them on the due date or within the XXXX day grace period. So this was XXXX payment they took. My XXXX payment then fell due at the end of XXXX on the XXXX at which time I called to refinance because something came up and needed extra money. It took them several days to get back to me and to set up the refinance and we completed it on XX/XX/XXXX which is NOT 30 days past my due date of XX/XX/XXXX, but 16 days past my due date! I want this 30 day late removed from all three credit reports for this XXXX loan # XXXX which was the loan I just refinanced on XX/XX/XXXX to my new loan!! Why can't XXXX or Transunion be ACCURATE??? I also am sick and tired of trying XXXX times to file my dispute, finishing the whole process then XXXX online dispute system saying something went wrong try again, this is deliberate retaliation for my contacting your office and they need to be fined for it!!! I want them to also contact XXXX and XXXX to update and correct this too!!!! And they also had a wrong old address XXXX XXXX XXXX XXXX for me, remove it, and my fathers phone number XXXX listed as XXXX of my numbers, remove it, And my same name listed as an alias XXXX times, remove them, And my employer the State of IL XXXX XXXX XXXX XXXX listed XXXX times, remove the duplicates!!!!! I want all corrected and all updated with all bureaus then I want a clean paper copy of my full corrected reports mailed to me from all three credit reporting agencies MAILED, not emailed!!!!! XXXX, incompetent people, they should be fired!!!! Shut these credit reporting agencies DOWN they do nothing but XXXX up everyone 's personal information, allow it to get compromised which is why there is so much identity theft in this country and try to make people look bad financially, they have no use or purpose, no value whatsoever!!! Millions of people like myself are having hours of our time wasted on correcting their idiotic mistakes and the same goes for the finance companies, banks and businesses who are just as incompetent and can not report all correctly!!!! If I did my job the way they do I would be fired!!!
Product: Debt collection

I have been sending dispute letters for the account and I have not had XXXX response from this company. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this
Product: Mortgage

In XXXX, I received a notification that my escrow account was likely going to be short since my county taxes had increased. I did not receive an amount needed to be changed and I have my bank cut a check on the XXXX of every month to Mr Cooper. 

On XX/XX/XXXX, my payment went out and was received by Mr Cooper but placed in a " service account '' and not applied to my mortgage. 

In XXXX, I did not receive a mortgage statement but on XX/XX/XXXX, my payment was sent. My payment was again placed in a " service account '' and no contact was received from Mr Cooper. 

In XXXX, I did not receive a mortgage statement but on XX/XX/XXXX, my payment was sent and received by Mr Cooper and again placed in a " service account ''. 

In early XXXX, I received notification from Mr Cooper that none of my payments were received and that I was going to be in default and foreclosed on if I did not contact them within 30 days. 

On XX/XX/XXXX, I called Mr Cooper to figure out what happened to my payments. Mr Cooper 's representative said, " Oh I see what the problem is, your account was short by XXXX $ and you need to make that payment immediately. I will apply your previous payments to the outstanding missed payments ''. On XX/XX/XXXX, my XXXX $ was deposited. 

On XX/XX/XXXX, I received a call from Mr Cooper telling me that my home was going to be foreclosed on and that I'd missed XXXX payment, and would I like to pay them over the phone for the missing mortgage payments and late fees. I declined ( I wasn't at a place I could make a payment, and previous had discussed this with Mr Cooper on XX/XX/XXXX, including the immediate payment ). 

On XX/XX/XXXX, I received from Mr Cooper notification that my deposits to them had been placed in a service account until they could determine what they were supposed to do with it, and that I was short XXXX XXXX I cut a check for XXXX to Mr Cooper and it was deposited on XX/XX/year>. 

On XX/XX/XXXX, I received a letter from Mr Cooper saying that if I did not contact them within 30 days, they would begin foreclosure proceedings. I also received from Mr Cooper my mortgage statement from XXXX. 

On XX/XX/XXXX, I called Mr Cooper again, asking why I was being foreclosed on. Mr Cooper 's representative told me that the account was up to date and that it was an automated process, and that I could disregard it. 

On XX/XX/XXXX, I received a mortgage statement from Mr Cooper for XXXX. This one shows I owe XXXX $ in 'fees and charges '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report in Transunion. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if, after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries. 


XXXX XXXX Inquired on XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Checking or savings account

I have  Simple  Bank and the keep failing to report my transactions to my   XXXX   XXXX   account regularly..
Product: Debt collection

Have not contacted me, personally. Have contacted my parents and my husband 's parents. Stated he was an attorney ( they could n't, for certain, state his name because some words were specifically pronounced so as not to clearly be understood ) and stated there was an issue with my social security number. I am CERTAIN they can not ask for this information without my consent. The name on the caller ID was shown as XXXX and the number given to contact was XXXX. I did not return the call to either number as I have no idea who they are.
Product: Credit card

XXXX : Payment confirmation received by email XXXX : Notification received that payment was returned unpaid and a payment methot replacement was needed XXXX : Account was closed XXXX : Notification sent through a letter stating that account as closed because one or more late or returned payment occurred in he last six months. THIS IS NOT correct. 

This payment was returned because I was out of the country XXXX and XX/XX/XXXX and the bank suspected fraud, then I authorized the payment, but Citibank didn't wait a day and cancelled the account. 

I had only one other time that a payment replacement was needed that was in XX/XX/XXXX, more than 6 months ago. 

All my payments were always done at time, never late. I just these past weeks prior to have them closing the account, I sent 3 payments as below : XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$500.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$500.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$500.00} I had the right a significant cashback total of {$450.00} Costco credit card reward certificate that it was planned to be received in XXXX, however since Citiback closed the account, the certificate also is cancelled and not sent. This per my perspective looks not acting in good faith at all. Super convenient having the account being close few days before certificate is provided. 

I requested the account to be reopen and it was denied. Clarification not provided yet ( will be in a letter hat will be shipped 7-10 days ). 

I am summary, the reason stated for my account being closed do not proceed, also account was closed after no additional notification, I only received one email saying that a payment replacement was needed which I did, but 2 days after I was notified that account was closed, and at last all the money I spent that I would have the right of the cashback it was cancelled linked with the account.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES In accordance with Fair credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C Section 602A. States I have the right to privacy.

15 U.S.C Section 604 a Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report agency 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 XXXX sever years. 

15 U.S.C 1681s-2 ( A ) ( a ). A person shall not furnish any information relating to a consumer to any consumer agency reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

DELETE THE ACCOUNT BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have dealt with financial hardship, And was homeless at one point an trying to get back on my feet this has hindered me from moving forward. The dates and amounts are incorrect. Also, some account are 7 years old or more.
Product: Debt collection

It has came to my attention that someone other than myself called Valley Credit Services and was given information as to my debts and current garnishment. The caller was told the call was recorded. 
Therefor, I am requesting, in writing, that a copy of the transcript of the call that took place on XXXX/XXXX/2016 at aprox XXXX between an acquaintance of mine and XXXX the debt collector regarding my account be emailed to me.
Product: Debt collection

Person by the name of XXXX XXXX ( ex. XXXX ) has been reaching out to contacts on my XXXX XXXX account and informing them of my debt with XXXX Bank. She has left voicemails with relatives and non-relatives threatening to take further action if I am not reached.
Product: Money transfer, virtual currency, or money service

i uploaded my photo ID and W2 form and paypal told me: "Your PayPal funds are now eligible for withdrawal" but i cannot transfer my funds by check or bank. Please help me is more than 180 days already. Thank you
Product: Credit reporting or other personal consumer reports

Equifax claims to have verified this account XXXX XXXX with them but I contacted XXXX XXXX myself and asked for proof of this allege debt and they stated they have no XXXX  proof and then requested I contact another agency. How is Equifax validating this account when the company itself is unable too. I have asked for validation and the verification method used by Equifax. This is my final attempt to resolve this issue then I request Equifax to pay the filing fee for arbitration as I would like to pursue my claim and recover damages you are causing me.
Product: Mortgage

For the record ... Due to a hardship years ago I fell behind my mortgage by 2 months. It remained that way for years. My town taxes went up by {$47.00} Without my knowledge. Which caused my payment to go up. I didn't know it and sent in the normal payment which 2 weeks later was returned to me as a non full payment and a letter stating I'm now 3 months behind and they want to foreclose. Instead of asking me for the extra {$47.00}. Not to mention a week prior they also returned {$150.00} to me from escrow from previous overpayments to them. 

I've offered many times over the years to bring my mortgage to date if they would remove the ridiculous late payment fees from years ago. 

Every time they tell me No they won't and I'd have to redo an entire 30 year modified mortgage with them to do so. 

The lender, Navy federal credit union, has since put all payments into a suspense account. 

Now I've told them for years before this that I would bring the mortgage current if they worked with me to wave some or all of the mounting late fees. I've explained in full detail many times what the hardship I had was and that I am a XXXX XXXX XXXX veteran XXXX campaigns. The very people they claim to go out of their way for. 
They caused this situation and need to fix this situation, with my help.