23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. Mid America Mortgage Inc, FHA Mortgage is being reported as deferred ( forbearance due to national disaster/COVID ) payment date not reported for months XX/XX/XXXX XX/XX/XXXX. Account has never been in deferred status. My 3 credit reports ( XXXXXXXX XXXX, and XXXX ) reflect that my monthly payments were {$0.00} for the months of XX/XX/XXXX XX/XX/XXXX ( 6 months ). For the months of XX/XX/XXXX XX/XX/XXXX my credit report payment history reflects No data for this time period. 
This reporting and deferment were not authorized by me or co-applicant. We contacted the mortgage company and inquired on a deferment due to pandemic, but the terms were not helpful, and we did not pursue a deferment. We did not sign paperwork for a deferment, nor did we provide a verbal approval for deferment or terms of any such deferment. 
Our credit report is accurately reflecting monthly and on time payments to mortgage account despite $ XXXX monthly payment scheduled. 

Mortgage company was contacted, and representative confirmed account reflects deferment ; however, monthly payments are being made on the account and confirmed only an inquiry was made in XX/XX/XXXX ; however, no actions to pursue a deferment was requested. Representative requested for account review but can take 5-7 business days. 

I am currently undergoing a refinance of my mortgage to a lower interest rate ( 2 % ) significantly lower and this inaccurate information on my credit report and that of my spouse is delaying our process.

2. Mid America Mortgage Inc I previously serviced our loan from date of opened account XX/XX/XXXX ; however, it was taken over by Mid America Mortgage Inc, it had reported to credit report account was closed and no payment history reflected from XX/XX/XXXX until roughly XX/XX/XXXX. This inaccurate information significantly lowered our credit rating. 
a. Telephone call was made to representative and it was returned to active/open account after 60 days, but the report continues to reflect this inaccurate information. 

Mid America Mortgage Inc payment history has been attached and mortgage statements from XX/XX/XXXX - XX/XX/XXXX to review payments for last 12 months paid on time and no message reflecting deferment on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX  old daughter PLEASE HELP ME PLEASE
Product: Debt collection

Receivable Solutions LLC  XXXX I receive calls nearly every day from this company, they never identify themselves in voicemails so I researched the number and it comes back to Receivable Solutions. They leave messages indicating I owe a debt and never indicate what it is for. I have an excellent credit score and owe nothing to this company. I have asked them to stop calling. As soon as I pick up the phone they refuse to identify themselves and ask for me to very my address and provide CC information. I'm not sure what kind of scam this is but I assure you I owe them nothing. After researching their name they appear to offer collections for XXXX Hospital, any medical bills that would be billed to me by XXXX were paid to XXXX. I am exhausted by their constant calls and tactics. I think they are trying to get duplicate payments for items already paid to the hospital!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX credit card account has not been updated since XX/XX/2022. I have paid off this card, but it has not been updated on any of my reports. I have disputed the account balance twice as it is not the correct information and shows a {$480.00} balance.
Product: Money transfer, virtual currency, or money service

I have been using my fully verified PayPal account daily for months without any issues whatsoever. I was using it primarily as a means to deposit to my XXXX  XXXX, and withdraw winnings, both actively encouraged from PayPal and bookies. Legal and advertised. I had withdraw several times small winnings whenever I won. Yesterday I won big and tried to withdraw XXXX. After 24 hours they limited my account with a reason and froze my money. Obviously hoping to hold onto it. I made the exact same transactions many times just for lesser amounts. It's just this time I made a withdrawal of XXXX and they limited me. Who knows why?
Product: Debt collection

I received 2 notices in the mail to pay a toll violation debt. I know it is fake because the license plate is obsolete, all violations have been paid, and I have an EZ PASS prepaid toll pass. The letterhead is in XXXX but the mailing address is XXXX Their website is designed only for payments and nothing else. When I searched for this violation on the XXXX state toll website, there were no matching records for this license plate, violation number, or reference number. I think this is a scam firm trying to collect fake debts from gullible people.
Product: Mortgage

I took out a 30-year mortgage with XXXX XXXX in XX/XX/XXXX. I paid all payments in full + {$400.00} toward the principal through XX/XX/XXXX. My mortgage was sold to TD Bank on XX/XX/XXXX, at which point I immediately paid my first payment to TD Bank ( again, full payment + {$400.00} toward principal ). My XXXX loan statement said I did not owe anything for the month of XXXX because the funds I'd been putting in escrow toward taxes would cover XXXX ( I ended up paying my taxes out of pocket, so they were effectively reimbursing me ). 

Here 's where things have gone awry. 

Halfway through XXXX, I got a note from TD bank saying i was >15 days overdue on my XXXX payment. Reason being : a previous payment had been reversed. The request to " reverse '' that previous loan payment came from another loan agency that *was not* XXXX XXXX - the organization from whom I originally received the loan. I called TD Bank *immediately* to learn more, and they told me they had to enter a request to their investigations team because they don't know what's going on.To be safe, I immediately made a payment. I also made my XXXX payment on XX/XX/XXXX. I have called TD Bank 3 times, and they have confirmed these payments were received, and I am no longer past due. 

All the while, I continue to receive weekly letters from TD Bank saying they're threatening to report me to the credit bureau and that this could result in foreclosure. No one at TD Bank will send me a written document to say that I have been incredibly proactive in working to resolve this issue. Additionally, no one from TD Bank has reached out with a status update, though I continue to ask them to do this. I call once per week, and they still have no update ( after 3 weeks! ). 

I am entering this complaint to document the steps I have taken and the lack of action on TD Bank 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX XXXXT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/ Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXXXXXX/ Dept of Ed XXXX XXXXXXXX XXXX XXXX XXXX XXXX/ Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Associates XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I have a mortgage with First Niagara Bank ( Niagara ). Niagara is also my loan servicer, and collects and holds my escrow for insurance payments. In XXXX XXXX, my homeowner 's insurance company, XXXX, billed Niagara for {$1500.00}, payment for the upcoming year. Niagara made the payment to XXXX late, after the due date, and as a result my insurance was cancelled. At the time I had funds available in my escrow account. I have never missed or been late on a loan payment. Additionally, I did not receive any cancellation notification from XXXX or Niagara. Today, XXXX XXXX XXXX I was notified by my insurance agent that I did not have any insurance coverage. This is not right, fair, or just. I have paid all of my bills, read all of my mail, and done everything a responsible homeowner should do. Niagara has mishandled my money and exposed my family to significant risk as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with my CC company twice and with the Transunion on many occasions. I will attach the screen shots at the bottom. Transunion has removed my oldest CC account from their system and isn't taking responsibility for it. They keep blaming the CC company and the CC company says, " it's not us but Transunion, we report every month ''. Also, I filed a dispute with Transunion on an account, which is paid in full and is reported to the other credit companies but their investigation still shows the account to be active. It was an auto loan paid off on XX/XX/XXXX. They also haven't updated their information on other accounts as I keep a XXXX balance except for one card ( to keep my credit score high ). I have an XXXX credit score with the other institutions except for Transunion, which has just down graded my information due to removing the account. Now, 17.8 years of history is missing and they said I never had the account reported to them. If this were true, then their company wouldn't have shown that the account was removed in an alert. It seems to me they are doing something illegal or have a computer glitch which needs correcting immediately. Everyday this goes uncorrected affects my ability to buy my XXXX XXXX. When it comes in from XXXX I need my credit to be at its best. Please take care of this ASAP. If their system is messing with my credit, just think how many others they are messing with. I cant be the only one seeing these discreteness. They keep trying to push the blame onto someone else, when it is clear it is their system. I have placed each screen shot in order of how it shows up on XXXX XXXX as it would be in a full length page and am showing you my XXXX report which gives my credit score and the actual account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is the following accounts : XXXX XXXX  XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXXXXXX XXXX XXXX   XXXX, XXXX XXXXXXXX, XXXX   XXXX  XXXX I am unable to locate documentation that they comply with this requirement, which is a violation of the FCRA & FDCPA 609 ,623 611, Section 807 ( 11 ) & FDCPA 809, Under 809 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report.
Product: Credit card

This is related to Paypal credit, In 2013, I signed up for Paypal credit and used it to shop online. My paypal account is connected to my bank account, and in the first few months the credit balance was automatically charged out of my bank account. However, it seems that they changed this setting along the way without my permission. So I was shopping online while my credit bills were not paid, and they did not send me any emails about this. I had a {$500.00} credit there and used about {$200.00} of it, thinking all the time that bills are automatically drawn from my bank account. 
Then after a few months I get a letter from a collection agency. Turn out that Paypal ( or their partner, synchrony bank ) charged me about {$40.00} for late fees each month, and then charged off the whole balance ( {$200.00} spending + {$300.00} late fees ) and sold it to a collection agency, which hugely affected my credit score. 
I ask you to please look into this, and let me know how I can get rid of this debt. ( I have no problem re-paying the {$200.00} that I actually spent )
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reported was not authorized by me to be added to the account. I have sent letters requesting the deletion of unverified accounts multiple times. The first letter was denied with no problem with verifying my identity. However, the company is now refusing to delete said information based on identity confirmation.
Product: Credit reporting or other personal consumer reports

The XXXX below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I ask the credit reporting bureaus to do a verification of validation of debt. All credit reporting agencies stated that the debt were verified. I also requested how and who these credit reporting agencies used to validate person ( s ) debt. After several months I still have not received any communicating with Original contracts showing debts are validate as my debt. I personally did some research myself a found many inaccuracies that proves the debt was not properly verified. 

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX 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 without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of 2024 I gave my then landlord {$2500.00} in money orders for rent in XXXX increments of {$500.00}. He tried to deposit them into the ATM and also through his phone banking app causing XXXX money orders to be rejected. His bank is Wells Fargo and they claim to have no responsibility for the action. I contacted XXXX XXXX first to see if I could get a refund of the {$1500.00} but they said the money orders were cashed and paid out to the bank. I suspect fraud either through the bank or the former landlord.
Product: Credit reporting or other personal consumer reports

My information was compromised and fraudulent accounts established. I have no knowledge of the accounts. I have disputed the accounts on several occasions with the three Major Credit Bureaus. I was never provided details of investigation process or procedures, accounts came back verified. Below are the accounts : XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX : {$1000.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX Original creditor XXXX & XXXX Last reported XX/XX/XXXX {$840.00} Open balance XXXXXXXX XXXX XXXXXXXX Original creditor These inaccurate information remain on my credit and is irreparable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted Forebearance by my Mortgage company Citizensone from XX/XX/XXXX to XX/XX/XXXX -- - They unfreezed my credit and just started this month in XX/XX/XXXX to add negative information- that I was late 26 payment, when i was actually in forebearance. They took one year to modify my mortgage payment from XX/XX/XXXX to XX/XX/XXXX, and just sent my first new statement in over a year ... that my payment was changed from {$2800.00} to {$2500.00}, new payment effective XX/XX/XXXX. Also I wrote back on XX/XX/XXXX that my common law spouse also a co-borrower on my the shared mortgage loan, died back on XX/XX/XXXX as i have death certificate on file, wrote a hardship letter to CitizensOne... they have ignore my request. XXXX XXXX was a XXXX XXXX working the XXXX  Covid-19 ward at XXXX XXXX and also at a XXXX XXXX... .was very sick from XX/XX/XXXX to XXXX XXXX when he died at home from XXXX causing XXXX XXXX in his body. I requested Citizensone for hardship on my mortgage loan and they have ignore my request. I am seeking further help for CFPB to intervene in this matter. Their Loss and migitation department is a mess, that handle forebearance customers ... .I request help many times..and they are messed up my credit report as being late 26 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to have the following bogus information removed from my credit file since it has been a struggle. The ID THEFT REPORT I sent to my dispute letters has a list of the items I wanted erased. Due to identity theft, I was not the one who made the charges or opened the accounts. In accordance with Fair Credit Reporting Act Section 605b, I request the deletion of the entries to fix my credit report. I notified the Federal Trade Commission about the identity theft, and copies of the FTC 's Identity Theft Report are also provided. I hereby attest that I have not granted anyone access to my private or confidential records, and most definitely not to the allegedly inaccurate information that appears on my credit report. In accordance with FCRA Section 605b, I thus request that the Credit Bureaus promptly erase these details from my credit report with their company. Please delete these items as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance Owed : {$33.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CT, XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA, XXXX Re : Equifax Data Breach : SSN XXXX DOB XX/XX/XXXX I am writing because I was impacted in the last Equifax data breach. After a review of my credit report, the following unauthorized and unrecognized hard inquiries were discovered on my report. 
They were not authorized by me. Attached is a copy of my FTC complaint # XXXX filed for this issue. 
Pursuant to 15 USA 1681n, I am entitled to up to {$1000.00} per violation. 
Please delete these inquiries from my Equifax report so as not to take legal action against your agency. 

DATE COMPANY XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

I got an Apple Card and as soon as I did. It got hacked and someone used the vitural card number. They hacked into my XXXX account and made a purchase. In XXXX XXXX. For the amount of {$310.00}. 
I had to reset my password in order to get in and I contacted this seller and told them someone hacked my account. I got no reply and no item got delivered but my card was charged. I have pictures showing this documentation. Apple Card wont help. And even for me to purchase anything on XXXX. I cant use the vitural card number I have to use my bank account. I keep fighting this because i honestly have not made this purchase and its very frustrating that XXXX is not helping, and seeing I got my card number stolen. Please help me.
Product: Mortgage

My father passed away in XXXX. He left the house to me, the only heir and beneficiary of the estate and the representative of the estate. We transfered the deed/title into our name immediately. 

We contacted Wells Fargo with all the information and waited. We informed them my dad passed and we were aware he was overdue on a home equity loan by XXXX. We had XXXX on hand and wanted to work to pay the other XXXX within 13 months. My dad had XXXX and that's why he was behind on the loan before he passed. They never offered my dad any assistance for having XXXX XXXX XXXXXXXX XXXXXXXX. They say XXXX of the money is past due taxes which my father believed to be a lie. He only owed 4 years of past due taxes at XXXX per year. 

Over a period of months they kept requesting more documents, wasting our time until finally telling us that they could NOT even speak to us because my dad 's ex wife from 20 years ago was on the promissory note. I informed them that she was removed from the deed ages ago and that we are now the homeowners, meaning we have interest in the property. I sent them the new deed with my name on it. I sent them the probate paperwork showing my dad left the house to me. I showed them the divorce decree showing that his ex wife gave up the house in the divorce. I told them that we have no idea if XXXX is even in the country, alive or dead and have no way to contact her. 

They responded by saying none of that mattered. That they may not accept any payments made by us, they will not work with us and that they intend to forclosure on our home and there's nothing we can do about it with them. They made it sound like they dont want our money that they just want to profit from the forclosure. And they said they're protecting my dad 's ex wife by not allowing us to pay. If we worked out a deal with them it could do NOTHING but HELP my dad 's ex wife as she has no ownership of the property and no interest in it. The harm they have done is take our primary residence over XXXX because they can. They may be lying about the XXXX in back taxes and prevented us as the actual home owners from looking into it. It's criminal. Please help is. We live here and have XXXX children here and this house is all my dad had to pass down to his family. This is malicious in my opinion they have the discretion to work with us.