23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2023, my XXXX XXXX FHA mortgage was sold to Midland Mortgage while I was in the middle of a medical forbearance. In XX/XX/2023, I started receiving aggressive threatening collections calls more than once a day. A month after Midland Mortgage received my mortgage, they sent me a pre-foreclosure letter giving me a short amount of time to correct the situation. I called Midland Bank in XXXX to inform them the mortgage was in a forbearance until XX/XX/XXXX at that time they informed me that XXXX XXXX never gave them anything stating that, I spent over an hour on the phone with them and finally someone told me they located the mortgage documents, and I was on the Unemployment Plan. I stated I never heard of an unemployment plan and how XXXX information on this new status they have given me. I was instructed by Midland to re-apply for their mortgage assistance, but I informed them FHA stated they had to honor the terms they obtained the mortgage with.

I thought during the forbearance period I was under some type of federal production? The Midland Mortgage representative instructed me that I was in pre-foreclosure on a recorded call. I have been forced during a forbearance period to try and prevent my mortgage from foreclosure so I am seeking legal counsel. Additionally, I was file a complaint with the XXXX regulatory entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the wrong addresses that do not belong to me be removed from my credit report. I have sent letters and go no resolve on the following dates this year : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX and Transunion has not complied with my request I demand these addresses that do not belong to me be removed immediately. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Transunion : XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

On several occasions, I have requested by phone and mail that my personal information be corrected on my credit report. I also sent them copies of my driver 's license and social security card, but they have still refused to do so.
Product: Debt collection

Recently, Merchants & Medical started reporting a {$1100.00} balance on my XXXX credit report. Prior to this account showing up on my credit report, I never received any notice of my right to dispute. I have written Merchants & Medical asking them for a detailed explanation for this debt, but I have still yet to receive any explanation at all for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of XXXX data breach and I've been trying to correct my consumer report for months with no avail. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.
Product: Mortgage

We have been denied a loan modification for the third time despite meeting all the guidelines. XXXX XXXX XXXX blames the Investor Deutsche Bank National Trust Company as Trustee on behalf of XXXX XXXX XXXX XXXX Mortgage. This Investor gave a sub prime mortgage and continues to be predatory in regards to how every six months our monthly payments doubles. In XXXX 2016 our payment increased by {$1000.00}. and in XXXX the payment doubles. This Investor gave us a four year trial modification which we paid on time for XXXX. This investor has refused to modified the loan permanently which is a violation of the law. The investor is hoping and praying that we stop making our payments so that they can foreclose on us. Deutshe Bank and XXXX placed a {$93000.00} junk fees and charges which continues to hurt us, because they gave us an interest only payment which does not exist anymore. This Investor does not want us to live their AMERICAN DREAM OF HOME OWNERSHIP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give Equifax written permission to furnish these accounts * XXXXl XXXX * XXXX XXXX  * XXXXXXXX XXXX * XXXX XXXX XXXX XXXX Collections Account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 someone applied for 3 different credit cards. XXXX XXXX, American Express and a 3rd that I can not remember. This was not me and I need them removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email that my information was exposed in 2 big data breaches in 2018. The first one was XXXX and the second one was XXXX in the same year. I was wondering why I kept getting so many calls about stuff I had no idea what they were talking about. Then One day I got a call that my social security number was cancelled or something and I started giving them my information and like 20 minutes into the converstion I started realizing that it sounded like a scam, but by that time it was too late they already had my information. Next thing I know I saw my credit score drop like 140 points. I downloaded a copy of my report and saw that there was fraudulent information and incorrect information on my report. This is due to the identity fraud and I need this information removed asap!
Product: Credit card or prepaid card

I payed my credit card on time, but because my payment fell on XXXX XXXX XXXX XXXX days it didnt go through until they day after and was charged for being late.
Product: Vehicle loan or lease

Hello, in XX/XX/XXXX, my XX/XX/XXXX XXXX XXXX financed by XXXX XXXX XXXX was repossessed without earning or prior notice to tell me I had outstanding fees. I paid to have the loan reinstated which I was told included repo fees as well as paid the repo lot for my car. XXXX XXXX XXXX knew I was currently refinancing my car with another company. In XX/XX/XXXX, my refinance company got a hold of them and got the full amount owed and sent a check. XXXX lost this check for 2 weeks while I called incessantly with the tracking number and being told they didnt recieve it. Finally they found it and it was applied to my account. When it was applied, I recieved a paid in full notice. I called twice to make sure i would owe nothing else and was told nothing was owed and i was free from XXXX. This month, XX/XX/XXXX and 9 months after refinancing, XXXX is sending me a bill for XXXX claiming they sent many letters and threatening to come after payment any way possible. This is NOT a tax bill and i was told I paid all fees due after asking MANY times. I called and they insist i pay them and say they didnt see i owed it til XX/XX/XXXX. Yet in XX/XX/XXXX ( 2 months later ) they reported my account as closed to the creditors. Please see attachments. This amount was paid in full and after all these people put me through i refuse to pay or take thier threats.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX I paid for the parking on XX/XX/year> and I don't know why I keep receiving letters saying that I owe the amount of XXXX dollars. Please verify this information and if I have to send proof of my payment let me know. Thank u
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to work with XXXX  and XXXX, along with contacting each listed below, and customer service would not help and take care of the negative inquiries reporting on my credit reports. 

Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES Immediate and permanent deletion : ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX/XXXX  XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZXXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 8 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Alleged Creditor # 9 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : NOWCOM/WESTLAKE FINANCIA XXXX XXXX XXXX, XXXX XXXX CA XXXX Alleged Creditor # 10 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Called XXXX to understand what they are referencing when they say too many accounts open, too short a credit history and late payments. None of that is true. 
What I was told when i pressed the agent about how many is too many accounts and believe it or not she said 'my understanding of too many is more than one '. I remain flabbergasted one day later. These folks sit in judgment and clearly enjoy having this control over the general public. 
XX/XX/2022 Called XXXX, had a much better experience and they explained that i had a {$120.00} balance due with XXXXXXXX XXXX. I explained what happened ( wire transfer didn't go through as planned ) and the agent was understanding and said she would note the reason. I asked about all the other derogatory information such as too many accounts open and not enough credit history, she was far less able to answer these inquiries but offered to send me via mail my credit report. 
saved the most egregious for last : TransUnion. You would not believe what I heard from their expert. XXXX claimed she was the manager. She told me point blank, " we are not experts ''. I am appalled. They are reporting on very sensitive financial documents that directly impact my credit worthiness and directly impacts my new mortgage. This is truly a travesty. This system does not work and needs an overhaul. I don't say this lightly, I feel victimized.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.15 USC 1681 section 604 states that a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Thank you for taking time to read my complaint. XX/XX/XXXX I was in a bad spot and didn't have any time to get my credit in a better place before purchasing a new vehicle. I was pretty much left with no choice but to have a high interest rate loan with SKOPOS Financial. I purchased a XXXX XXXX XXXX with XXXX XXXX miles on it. The interest rate is a daunting 23.99 %. From the very beginning of the loan I had a hard time paying it seeing as though the loan was {$540.00} per month. A few times I got behind and although the company allowed me to add 3 payments to the back of my loan I just can't afford it. I had plans to refinance the loan to get a lower interest rate but I couldn't because the late payments kept my credit score down. I started working diligently on my credit XXXX of XXXX and that's when I started doing extensive research into my automobile loan and I realized that over the last 2 1/2 years I have paid {$11000.00} to this {$20000.00} auto loan and of that {$11000.00}, only {$1300.00} has been applied to the principal amount. {$10000.00} has been applied to the interest. According to my online account I still owe {$15000.00} in interest on top of still owing {$18000.00} on the principal balance. I have spoken with quite a few agents at SKOPOS and no one can seem to help me somehow get out of this loan. I have tried multiple times. I went as far as trying to go through XXXX XXXX and my Credit Union to refinance the loan. The car is currently worth only {$6500.00}. I've taken it to about 9 different car dealerships to try to get from under this loan with no luck. No one will take on the negative equity. It was suggested to me to voluntarily give my car back and try to hurry and find something before it shows up on my credit report. I am at a stage in my life where I am diligently working on my credit and I don't want to ruin my credit by going about this the wrong way. I need help getting away from this company. I take full responsibility for having a few late payments. I am correcting my mistakes. At this rate I will NEVER finish paying off this auto loan.
Product: Credit card or prepaid card

I discovered my US Bank Credit Card was stolen in XXXX and fraudulent transactions were made on the credit card. 

On XX/XX/XXXX, I called US Bank to dispute these transactions and informed them my credit card was stolen. 

However, on XX/XX/XXXX, I receive threXXXX letters from US Bank claiming that I " benefited '' from these transactions and the following were not fraudulent, and the credits were reversed in my account for : XXXX XXXX XXXX : {$15.00} XXXX XXXXXXXX XXXX : {$14.00} XXXX XXXX  : {$16.00} I immediately called US Bank and they informed they would " look into '' the issue and contact their fraud investigation team. 

Three weeks passed and no action was taken. I called again and a representative informed me that for these three transactions specifically, they were incorrectly coded in their internal system. Rather than marking these charges for a stolen credit card, they had incorrectly marked it as for " duplicate/copied card. '' Another two weeks have passed and no action has been taken. This is extremely dissatisfying service and complete negligence on US Bank 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed several collection accounts that resulted in removal from my credit report on XX/XX/2021. They were from XXXX XXXX XXXX. They were removed and then added back on XX/XX/XXXX. This is a FCRA violation of re-aging. 
I also am not able to dispute certain addresses or added ssi numbers on my credit report that don't belong to me.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Chase to ask a question about my Chase Amazon Credit Card. 
I asked the representative to assist me in scheduling the XXXX payment, due on XXXX/XXXX/XXXX. The full amount due was to be debited from my checking account. 

The rep read me the statement, on a recorded line, and I did authorize the balance due in full ( {$500.00} ) to be paid on the due date of XX/XX/XXXX. The confirmation number is XXXX. I asked the rep to please confirm the payment would not be taken until XXXX. I had just paid the XXXX balance in full on XX/XX/XXXX. 

The {$500.00} was deducted from my checking account on XX/XX/XXXX. I called Chase immediately and reported the issue, asked them to listen to the recorded call. I did not authorize this payment on the date it was debited. 

I asked to speak with a supervisor ( XXXX ) who told me it would take 5 business days and I asked for the monies to be returned sooner. She hung up on me. 

I then called Chase Corporate to make an Executive Complaint. I spoke with XXXX, ext. XXXX, telephone XXXX. I asked for an incident report reference number and it is XXXX. 

This time I was told there would be an investigation and it could take 14 days to resolve. I stated it was their error of taking the money too soon -- -I did not AUTHORIZE ANY DATE FOR THE PAYMENT EXCEPT FOR XX/XX/XXXX. 

This was the mistake of the Chase Rep and I simply wanted the money returned to my checking. I also take issue with the supervisor, XXXX, hanging up on me. 

Can you please expedite the return the of he money to my checking? I NEVER authorized this payment on the date it was taken -- that date is still 2 weeks away. 
Thanks,
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 3 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 : XXXXDEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX or XXXX of this year 2020, I submitted a dispute letter to XXXX, Experian, and XXXX  about inaccuracies being reported on my credit report. I included identification documents and a utility bill. I also included screenshots of the accounts and highlighted the inaccuracies being reported. I also requested copies of documents for each of the accounts including the Original Contract, Pay Off Disclosure, Interest Rate Disclosure, Balance History, Payment History, and Credit Insurance. On XX/XX/2020 i submitted a 30 Day Demand To Comply Letter. I am asking for the accounts to be deleted from my credit report completely immediately. I have not gotten a response from the company and it is past 30 days. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

A police report was filed for an account opened without my consent with XXXX in XX/XX/2019. XXXX will not mark the account as fraud despite multiple attempts to explain the situation. After filing a dispute with Equifax they have stated the information presented to them from XXXX  is accurate however the party responsible for using my identity only needed to confirm a text message via my cell phone number which according to law enforcement can be cloned. Equifax will not let me submit a new dispute and has not marked the account as fraudulent. I need it removed from my credit report before it impacts it negatively.
Product: Credit reporting or other personal consumer reports

Transunion has failed to correct incorrect information with regard to late payments and charge off accounts showing on my credit report. I have disputed these accounts with Transunion along with incorrect names addresses and phone numbers they also show on my credit report.
Product: Credit card or prepaid card

I opened this BJs credit card as it was to give a cash promo, which they quickly used as FEES later so I called for the amount to cancel the card completely with the full amount to absolute XXXX no XXXX later of pennies as they are doing now ... .so I can cut this up never see them again. I Never saw just piles of high fees they want to attach. Don't you figure .... now it tried to add another lousy XXXX for no reason, I figures they would you go through so much to find this company and get an answer. 
Im on hold RIGHT now again this whole time here as they didn't answer last time and how it's over 50 % charge to add to this lousy XXXX to get interest, of XXXX dollars and more interest on that interest. 
I saw this coming and why I cancelled the card. I am ALREADY in a once and done finish with her giving me the total never using the card again and paid. 
SO all this extra is to cause problems 45 days later ... no fees could have happened at all after we were COMPLETELy clear on them not pulling this. This is an old XXXX card scam. Not gon na happen and I'm complaining and warning everyone I know not to go near this UNKNOWn Bank as well that is behind the BJs company. NEVER ever. 
Now the on hold again can't take it for more than22.39 seconds and hung up on me. 
Same old same old. THey need shut down. The Bank is a scam of fees with NO employees and NO phone to get someone, They try to keep adding {$41.00} late fees and it says it still on the back page. Never let anyone get this card. PS. THEY DO NOT WANT YOU CALLING. THEY WANT YOU DIGGING ON THE INET FOR A NUMBER AND THE PAPER BILL WANTS YOU TO SNAIL MAIL ANY ISSUES> OH<<< SO IT '' S LATE AGAIN? FOR ANOTHER $ XXXX XXXX SCAM.
Product: Debt collection

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, MI XXXX has been sending me collection notices in the amount of {$12000.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX : {$1300.00}