23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I entered into a Forbearance program under the CARES Act with The XXXX XXXX XXXX  in XX/XX/XXXX. My Forbearance extension was approved in XX/XX/XXXX through XX/XX/XXXX, with regular monthly payments scheduled to resume in XX/XX/XXXX. On XXXX XXXX XXXX  my loan was transferred to PHH mortgage. I contacted PHH Mortgage on XXXX XXXX XXXX to confirm my loan was still under the Forbearance program and the representative I spoke to confirmed the terms of my forbearance did not change upon transfer. In XXXX XXXX I received a loan modification letter from PHH that changed the agreement and the terms I had with The XXXX XXXXXXXX XXXX  my previous servicer. The letter I received from PHH mortgage required payment due a month earlier and extended my term from 30 years to 40 years with no alternate options for exiting the forbearance program under the CARES Act. I contacted PHH mortgage in XXXX XXXX to ask that they honor the forbearance agreement I had with my previous servicer prior to loan transfer. PHH requested documentation confirming I was on a forbearance program at the time the loan was transferred and advised if I didn't go along with the agreement they would kick me out of the " trial modification ''. In fear of what would happen if I didn't follow their request, I made my XXXX payment. On XX/XX/XXXX I received an email from The XXXX XXXXXXXX XXXX indicating with the transfer of my loan I was removed from forbearance unbeknownst to me.I received a second letter with conflicting information on XXXX XXXX XXXX from PHH mortgage. This letter verified as of XX/XX/XXXX I was on an approved forbearance agreement that was cancelled due to an incomplete application that was submitted 16 months prior. I was never notified the application I submitted 16 months prior was incomplete. On XX/XX/XXXX I attempted to make my regular monthly minimum payment with PHH mortgage and they will only accept a payment of $ XXXX. As of XX/XX/XXXX I was told I have to make an appointment with my Relationship Manager to discuss further options, however the soonest appointment he has available is XXXX XXXX XXXX As of XXXX XXXX XXXX  I received another letter from PHH indicating the only option I have is to short sale my home. I feel I am being discriminated against and being bullied into losing my home. When I entered into forbearance in XX/XX/XXXX I was told I would have three options upon exiting forbearance to keep my loan in good standing. PHH never presented me with those options. Please investigate the unfair, deceptive and bullying business practices conducted by PHH Mortgage and The XXXX XXXXXXXX XXXX  as they are in direct violation of RESPA.
Product: Debt collection

In XX/XX/XXXX, I used a company called Loan Pal to get a loan. I used the loan for solar power on my home, buying all the parts and installation from XXXX XXXX. As happens, my original loan sold from Loan Pal, and I now owe the loan to Good Leap. My complaint is about Good Leap 's threatening practices. 

In about XX/XX/XXXX, I became unable to make loan payments on time. I explained to Good Leap I am not working or receiving money and am behind due to serious illness. They have now left a letter left taped to my door threatening me with coming into my ( fenced and gated! ) back property, and disconnect the solar panels on my house. 

First, I understand I owe a loan, but the solar panels they are threatening to disconnect were neither purchased from them, nor by them. It seems illegal since they only bought out a loan from Loan Pal. Second, can they really trespass into my property and/or break or mess with my house/home or connections because I'm behind paying?! Even car mechanics can't come open your hood and break your car if you get behind, or electricians and plumbers aren't allowed to come in your yard and tear out previous work if your check is late. I have never known such an unreasonably hostile and unprofessional acting company. I'm left freaked out someone is going to break in my gate where my loose, beloved, pets live, and then break the house connection that actually XXXX XXXX came and hooked up. What do I need to do, or can I do to make them cease this threatened and seemingly illegal action?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize them and they do not have a Permissible Purpose on my behalf.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX XXXX. Date : XXXX.
Product: Debt collection

I have made attempts to resolve this including providing my insurance information. I was insured at the time this medical bill was incurred. The other accounts that were placed in collections with another agency were removed because I was indeed insured at the time and they were covered services as is this. I have also tried to settle the account with the agency because they are reporting it on by credit report with no resolve.
Product: Checking or savings account

I attempted to open account with the Robinhood trading application. After providing all the necessary information including my copies of my drivers license and my bank account information, I waited for my application to be approved. On Monday XX/XX/XXXX my application was rejected because they said I had a duplicate account. I then went back and forth with them on the XXXX, providing more information on my identity and then again providing additional copies of my drivers license and last 4 of my social security number. At this point they told me that I already have an account under an email address that is not mine. This means that someone else has already signed up for the service using my social security number and information ( Im assuming they validated my drivers license with this other account as well ).

At this point Robinhood completely stopped responding to me. I have replied several times to the original support ticket as well as opened 2 other support tickets, but they will not respond. My assumption is that someone else is using their application with my identity and that the company is now blocking me. I am unsure what my rights are or how this can be addressed? Do I need to hire an attorney? What if my money is taken from me by Robinhood ( who now has all my information and is not addressing my case of identity theft )? Please help me contact Robinhood so that they can address my concerns and stop the identity theft that had taken place.
Product: Debt collection

Ive attempted to dispute the validity of this account from Amsher Collection from XXXX and it says debited without any information. I disputed two more times with the same outcome but no information sent to me. I contacted XXXX and they told me my final balance is XXXX so I contact Amsher to pay that amount only for them to say they dont know anything about my account check with XXXX XXXX agency. I dont know whats going on I need proof as to what is owed so I clear this matter up and no one has sent net anything please help
Product: Credit reporting

XXXX sent a letter to TransUnion disputing a bankruptcy that is listed in my credit file requesting validation that it belongs to me. 
XXXX received a letter from TransUnion stating that they " verified '' that the bankruptcy and that there would be no change, but did not provide proof used to validate that it belonged to me. 
XXXX sent a letter to the US Bankruptcy Court requesting confirmation of what their procedure is for verifying records to credit reporting agencies. 
XXXX received letter from the the US Bankruptcy Court stating that the Clerk 's Office does not report information to credit agencies. 
TransUnion found this information on third party research and did not get the information they are reporting from the courts as they do not verify information. Therefore the bankruptcy must be removed.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of an unknown and inaccurate account. As a victim of identity theft, my personal information was used fraudulently, resulting in this unauthorized account being associated with my credit history. I promptly filed a report with the Federal Trade Commission ( FTC ) and submitted all necessary documentation to support my case. Despite these efforts, this fraudulent item continues to remain on my credit report, causing unnecessary XXXX  and potential harm to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. XXXX and Experian continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report so I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation, and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me severe XXXX and XXXX.
Product: Credit card

Below are the details of the incident : 1.Original Transaction : On XX/XX/year>, I made a {$20.00} payment for transportation services using my card. This transaction was confirmed via a XXXX card reader when I tapped my Citibank credit card. 

2.Unauthorized Charge : A couple of days later, I noticed a charge of {$310.00} from a merchant named XXXX Lux XXXX XXXX XXXX categorized under Beauty and Spas. I did not authorize this charge, nor did I engage in any transaction with this merchant. 

3.Dispute Outcome : Citibank declined my dispute, citing that the charge was processed via a chip reader. However, I have evidence suggesting that the charge amount was deliberately manipulated by the merchant without my consent.

Evidence Supporting My Claim : 1.Upon reviewing the receipt downloaded from the XXXX website, it is evident that someone intentionally customized a charge amount of {$120.00} ( plus tax ) and added an additional {$180.00} as a tip. These amounts were posted to my account without my authorization. I have attached the receipt for your reference. 

XXXX have made multiple attempts to locate contact information for XXXX XXXX  XXXX XXXX and have been unable to do so. This raises serious concerns that the merchant may be engaging in fraudulent practices, potentially targeting consumers to steal credit card information and post unauthorized charges.

This situation has caused me significant distress. As a long-standing Citibank customer , I am deeply disappointed by the decision to favor a merchant whose practices appear fraudulent and unethical. It is unacceptable for a legitimate dispute to be dismissed under these circumstances.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XX/XX/year>
Product: Checking or savings account

I was repeatedly overdrafted by wells Fargo when I had an account with them they would restructure my debits to make me overdraft multiple times. I.e. ti would purchase a soda at a gas station on Friday, gas on Saturday and then groceries Sunday which would over draft me they would then restructure those debits so that the groceries came out first and then the next two debits overdraft me twice. I saw there is a lawsuit and I was with them for over 10 years and would like to be a part of it
Product: Vehicle loan or lease

I inquired about refinancing my auto loan with auto pay back in XXXX of XXXX and did not go through the process. 

They re-shared my information without my request, approval and consent with other creditors including XXXX on XX/XX/XXXX, resulting in unsolicited and unproved credit inquiries. 

I contacted XXXX which directed me to XXXX which directed me to auto pay. XXXX XXXX from XXXX gave them the information for XXXX XXXX at XXXX ( XXXX and XXXX ) to address the situation. I have left multiple voicemails to XXXX on XX/XX/XXXX and have sent her an email without being able to get in touch with her. 

I had previously emailed XXXX to inquire about this issue and have not received a response yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to the below mentioned credit bureau, along with a copy of my current drivers license as proof of my identity to have my name and address information corrected on my credit report because the reporting agency has published my personal information inaccurately. 

I asked that the following address and wrong spelling of my name be removed : 1. XXXX XXXX   XXXX ... .There is no middle initial in my name 2. XXXX XXXX XXXX ... .I do not have a middle name at all I've never lived at the following addresses : 3. XXXX XXXX XXXX XXXX XXXX, FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, NC XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 6. XXXX XXXX XXXX # XXXX XXXX, NC XXXX 7. XXXX XXXX XXXX XXXX, MA XXXX 8. XXXX XXXX XXXX XXXX, MA XXXX All of the information from 1 thru 8 need to be deleted from my credit report, pursuant to the Fair Credit Reporting Act.
Product: Debt collection

On XX/XX/2023, Navy Federal Credit Union Charge-off Department stole {$5100.00} from my savings account. These protected funds were transferred into my savings account from my mortgage escrow account due to a tax overpayment. After the deposit was made, the mortgage department was in the process of transferring those funds back to my mortgage account but the charge-off department stole every XXXX of it before the transfer could be complete. I was told multiple times by the mortgage department that escrow funds are protected funds and that I could rest assured. Within a matter of minutes, all of the funds were stolen. These funds were also legally jointly owned by my spouse so they committed theft, fraud, and embezzlement with her as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Reporting Current address, since XX/XX/1989, XXXX XXXX XXXX, XXXX XXXX, TEXAS XXXX INCORRECT Reported Addresses : XXXX, TEXAS >>>Incorrect XXXX, Oklahoma >>>Incorrect Over the past year ... I've worked to update and make corrections on my credit report. 

The above 2 addresses STILL remain. I believe XXXX reports the XXXX, TX., and Trans Union , XXXX , Oklahoma . A few years ago ... I had another parties credit cards being reported on my credit. Through my own investigation, I learned the ss # associated was different. Which caused the credit company to request removal. The point. Reporting incorrect addresses, can lead to identify theft and other incorrect information being reported. 

I've lived at my current address since XX/XX/1989. Reflected by Federal Tax Rtns, Voter Reg, and Gov issued Id 's. This dispute request is for CFPB to please use whatever guidelines are available to resolve this matter once and for all. If necessary, I can sign sworn affidavit. Federal Tax Run, Gov Issued Id 's again.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft. Please block and delete these accounts within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. I have yet to receive any repose from the bureau. Thank you Kindly.
Product: Debt collection

Diversified Consultants reported a debt for XXXX XXXX XXXX on my credit report. Thy did not attempt to contact me for any verification of debt. Diversified Consultants reported to all 3 credit bureaus {$150.00}. This was for unreturned equipment. I contacted XXXX XXXX XXXX and my account reflects that I do not owe them {$150.00} because I returned my equipment. Had Diversified Consultants followed the law and mailed me a letter to verify the debt this could have been resolved before they placed it on my credit and caused my score to drop over 30 points. This has been an undue burden on me financially, caused by the negligence of Diversified Consultants, and I want this negative reporting removed from all 3 bureaus immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$55000.00} EXPERIAN INQUIRIES : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX INQUIRIES XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I signed up with Affirm Inc. to make payments on a car video product. I signed up to make ACH payments from my debit card. At some point my debit card was either lost or stolen. I had 3 more payments left on the product out of i think 12. I had never missed a payment at this point. I called in to put the new card on file because obviously I no longer had the old one. The company took the payment XX/XX/year> and was asked to put the new card on file for ACH. However, unbeknownst to me, they never made the card auto pay as requested. When I realized the auto payments weren't being paid i called to dispute the late payments as not my fault. I asked if I paid the equipment off in full would they remove the negatives from my credit report. I was told it would take 3-5 business days to get it removed. I paid the final balance at that point. I was told my incident would be escalated. I later called back to get verification on what i was told. They said they wouldn't be removing the negatives now. I asked for a manager. The manager told me the samething. I asked who could I speak to after him as I felt it was bait n ' switch. I was told there was nobody else and his decision was the final one. I then disputed the issue on my credit report multiple times. I've provided documentation of the ACH and that the new card was charged XX/XX/XXXX. They now maintain that I didn't put the card on autopay. I've asked why would i put a new card on file if it wasn't for autopay? Many disputes with XXXX, many calls to Affirm Inc. A complaint to the XXXX  and now here. I feel Affirm 's business practice on this is horrible. They stick to the payment is late but refuse to accept that they shouldve put my card on autopay. I've provided my banking printout from to XXXX to show I would NEVER have a problem making a {$31.00} dollar payment and the money was in the account. They have doubled down on this ridiculous statement of I put the card on file for a one-time manual payment. That makes XXXX sense as obviously being that as soon as I found there was a problem I paid the ENTIRE remaining balance. Also, again, ALL OF MY OTHER PAYMENTS WERE ACH. Whatever help that could be provided to get these negatives off my otherwise stellar credit record would be very appreciated. I had a score over XXXX, I would never mess that up over a {$31.00} payment. I truly believe the mistake is their 's as again, they used the same new card XX/XX/XXXX to make a payment as the one I used to make the final payment to clear out the debt. Help please. Ive attached the info showing the payment made from the new card on the XXXX and the company went back to charging the old card anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX
Product: Debt collection

A few years ago a huge amount of medical debt from Wakefield and Associates showed up on my credit report, I believe it was originally XXXX dollars. The itemized receipt showed it was charges from XXXX XXXX  XXXX XXXX in XXXX XXXX Florida. I have never received medical anesthesia nor have a been to Florida for any medical appointments. I contacted the office of XXXXXXXX XXXX XXXXXXXX XXXX and asked them to send me records of my debt, they quickly hung up the phone and did not respond to my request. This is a fradulent charge likely the result of identity theft and I would like to have it finally removed from my credit report after all these years and attempts to rectify the situation.