23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX I spoke with a representative from Sierra Pacific Mortgage. I explained my circumstances of having 2 tenants who worked in XXXX and that they were unsure of their job security due to the pandemic. I could not make the mortgage payments without the income from their rent. As advised by the representative and out of an abundance of caution, I decided on a forbearance for the mortgage. 
By XXXX, the tenants advised me they were secure in their places of employment and that rent payments would not be in jeopardy. I immediately contacted Sierra Pacific to attempt to remove myself from the forbearance. The process was time consuming and in vain. After many calls and hours of waiting on hold it was stated that the auto draft payments would be reapplied for XXXX and my forbearance payments would be deferred to the end of the loan. After XXXX I contacted Sierra Pacific at least on a monthly basis to be clear the auto drafts were not happening. I was told to make my payments manually as it takes time. 
It is now XX/XX/XXXX and I have have made every payment in a timely manner since XXXX of XXXX manually. I received my XXXX Mortgage Interest Statement form and the interest paid for XXXX was only calculated from the first 4 months of XXXX. I spoke with XXXX XXXX customer service and loss mitigation and was told I was still in forbearance and my last 6 mortgage payments were held as suspended. 
Several more hours being on hold and it was confirmed my forbearance was deferred as of XX/XX/XXXX. After repeatedly questioning how this happened I was given no explanation as to why this was never corrected and was just being forwarded to speak with a different department or supervisor. 
The issue has progressed as my mortgage interest for the year is only about a third of what was actually paid and this will affect me negatively on my taxes for XXXX. As of yet I have not been given a satisfactory response towards rectifying this error. It appears to be approximately several thousand dollars in interest that is missing from my 1098.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Regrettably, TransUnion has failed to respond to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 
Upon reviewing my credit report, I discovered the following inaccurate information that requires correction : 1. Account Name : XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$260.00} 2. Account Name : XXXX XXXXXXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$2800.00} 3. Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$710.00} 4. Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$940.00} 5. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$8500.00} 6. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3500.00} 7. Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6300.00} 8. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3600.00}
Product: Debt collection

XXXX sent my name to a collection agency for the amount of {$100.00} where in a do not owe XXXX this amount for any bill. My ex wife was the primary account holder for 4 lines and my number happens to be under this four ( 4 ) lines but I was not responsible for the bill. My ex wife was the account holder and that was her responsibility while a took over the cars insurances, internet and cable bills. When we got separated she closed the account with the balance owed on it. instead of XXXX billing her the amount she owes they sent me the bill and I rejected it then opens my own account with XXXX  in my own name with a different number. Even the lady that was processing my new account told me I was not responsible for the my ex- wife account because I did not initially opens the account. When I check my credit report I find out that XXXX  debt collection agency has placed that amount on my credit report and XXXX point was deducted from my credit scores. I have called XXXX on XX/XX/2022 @ XXXX to removed the item from my credit report and I also follow up on XX/XX/2022 @ XXXX. I also Called the XXXX debt collection agency and they said XXXX has to resolve the issue for it to be removed from my credit report. XXXXXXXX keep turning me around without any solution to the issue.
Product: Debt collection

someone has been fradulant using my information without my permission with out me knowing nothing my identifty had got stolen a while back with all my information inside of it im not please with what the person is doing at all i dont think this is right if i wouldnt of got my credit ran to purchase me a home i wouldnt of knew nothing about this because of this it has impact my credit score and brought it down very low i would like to file charges on the person once i get to the bottom of it i havent been no where to get no auto loan ran i already have a vehicle which im making payments on so why would i try in go get another vehicle which i can barley afford i pray and hope you guys help me remove all these inquires ran on my credit and help get it resolve thanks and have a bless day
Product: Prepaid card

I am a customer of Rush card. XXXX XXXX they updated their system and since that date I have had no access to my money. Today is the XXXX. I have lost my car insurance my lights were turned off and I am about to lose my home. Also my vehicle tag expires today. My whole family has been affected by this. I have XXXX children that now arein the dark. I have called customer service to only be hung up on or told they can not find my account. I have also been told my mom ey is on my card but still remain to get insufficient funds on receipts.
Product: Debt collection

A law firm on behalf of a company I do not have an agreement with is attempting to collect a debt from my as a debt collector. 

the original Bank that completed the loan with was provided with a Notice of Assignment and the Promissiory Note with an Allonge that was filed in my county in XXXX of 2022. The servicer has chosen to ignore the instrument and tender. 

I have rescinded the contract for the following reasons : I entered into this contract agreement with the XXXX XXXX without the following disclosures : I. Full disclosure of my right to rescind ; Consumers right to rescind ( 12 CFR 1026.15 ) II. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. Disclosure the agreement was a consumer credit transaction and allows for consumer protection when it involves a primary dwelling ; IV. Failure to disclose Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ; ( 16 CFR 433.2 ) V. Failure to disclose that nonpublic personal information will be shared with a nonaffiliated third party ; VI. Failure to disclose the application is self-liquidating paper ; ( 17 CFR 260.11b ( 6 ) ) The Right of Rescission based on a violation of the Truth in Lending Act. There has been a systemic failure to provide several required disclosures of consumer rights and is the basis and the legal justification for this Notice of Rescission. 

I also provided in the Notice to Cease and Desist is Pursuant to the Fair Debt Collection Practices Act and my right, as a consumer, to terminate all future communications with the debt collector. This was ignored. 

After a Notice of Default and Dishonor, I sent a Notice of Rescission to the above entities. Now they have referred this to the Law Firm I am reporting in violation of the Fair Debt Collection Practices Act.
Product: Debt collection

I am writing to request that you remove the fraudulent account that was opened using my identity from my credit report. I recently discovered that someone had stolen my personal information and used it to open this account without my knowledge or consent. I have already taken steps to report the identity theft to the appropriate authorities, and I am working to dispute the fraudulent charges associated with the account. However, I would also like to request that you remove the account from my credit report as it is damaging my credit score and financial well-being. I understand that you may require additional documentation or information to verify my claim, and I am willing to provide whatever is necessary to support my request. I would also appreciate your prompt attention to this matter, as I am eager to resolve this issue as quickly as possible. Thank you for your understanding and cooperation in this matter. Sincerely, XXXX, XXXX
Product: Credit card

I received a letter on XX/XX/year> ( dated XX/XX/year> ) that my Citi Best Buy XXXX credit account has been closed, requesting that I destroy my card. I was in good standing with no missed payments prior to or after this decision. This decision was done in error or with bad information and without any appeal process. The letter states that a credit scoring system was used to make the decision. The information used is from Equifax and is stated as : - Derogatory public record or collection filed - Ratio of balance to limit on bank revolving or other revolving accounts too high - Proportion of loan balance to loan amounts is too high - Number of accounts with delinquency I immediately ( XX/XX/year> ) attempted to call the phone numbers listed on that letter. I was not able to speak to anyone and I was not given any options or pathways to reinstate my account. I was given only one option, to write any questions I may have, to one of XXXX XXXX XXXX XXXX XXXX XXXX 
Reviews seem to be triggered by high balance or a problem with banking. I experienced both : due to the seasonal nature of my work, I use credit during the winter, then pay it back during the year. This happened in XXXX when I have a seasonally high balance. I also needed to change banks that month & noticed that my payment had not gone through. I immediately made a backup payment from another bank, then reapplied for automatic payments once work resumed. 
I have since checked my credit report. The derogatory information Citi used was about medical debts that should not have been furnished to creditors. I am current in all payments to Citi and in all other credit cards. The closure of this account has done damage to my score, preventing me from accessing credit elsewhere, despite having zero reported late payments in the recent couple of years from any credit card, lender, or bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXX XX/XX/year> Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score.

7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. 
- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Product: Vehicle loan or lease

I had two different loans with credit acceptance corporation. One I was a co signer on the other I was the main borrower/signer. The one I was co signer on was impounded due to my sister who was the main signer being pulled over. It was placed at XXXX in the town we live in. XXXX refused to release the vehicle to me even though I was co signer, I contacted credit acceptance and told them the situation they ended up letting XXXX keep the vehicle and went after my wages to still pay what was left on the loan. XXXX sold the vehicle and I was left to continue to pay on it. My sister only owed less than XXXX to begin with and I paid thousands because they went after MY WAGES! I paid them {$160.00} a month for years until they said they were satisfied! They even had the audacity to send me the title after I paid them thousands of dollars and they knew I never had the vehicle. 

The vehicle I owned was repossessed after awhile and again I didnt owe much on it, I ended up getting it out of repo keeping it awhile longer then decided to just do a voluntary surrender. The payments and terms on the loan were ridiculous to begin with. These ppl take advantage of ppl with limited credit and income. But I still knew I was responsible for what I owed according to the loan terms. Well they resold the vehicle and again tried garnishing my wages for an amount more than what the loan was even for, they didnt even take in to account whatever they sold the vehicle for. Again I was stuck paying them {$160.00} a month for years with no vehicle to show for. I am actually STILL paying on this one. Its been very stressful and took a blow to my income that Im paying them thousands of dollars with nothing to show for it. They use a law firm called XXXX XXXX to attack your wages for ungodly amounts. They should be sued for pain and suffering and have to give people their money back and then some. The most recent garnishment I have from them was from XXXX and I am still paying {$160.00} a month. The previous one was from XXXX. I reached out to credit acceptance on multiple occasions but was always told to contact the XXXX XXXX XXXX XXXX!!!! These people are crooks!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  CONTINUES TO REPORT THE ACCOUNT WITH XXXX= XXXX XXXX as delinquent. This account was paid in full through XXXX XXXX XXXX XXXX XXXX XXXX XXXX reference number XXXX XXXX in amount of {$1000.00} on XX/XX/2020. Please remove reporting. 

Same goes for XXXX  and Equifax. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

People have stolen my identity.
Product: Mortgage

As of late XXXX I was advised of a modification approval, today I am still waiting for the documents to be sent to me. A request has been received again for documents that should be on file such as authorization to release information and statement of information forms. Now, the request includes obtaining a, recorded, warranty or quit claim deed ( s ), due to being divorced since the origination of the HUD/ FHA investor mortgage, which currently is being serviced by Wells Fargo XXXX 
My issue is that XXXX has in their files a copy of the final divorce decree, filed and certified by a Texas state court that document is sufficient in this state to conclude the process of removing the spouse not awarded the property and forward the modification forms to the remaining person who owns and resides in the home, by delaying this task during what has proven to be a tumultuous time for our country, can only serve to cause further borrower harm as it stands each moth that passes only pushes me further in debt with no possibility of principle forgiveness in sight, because of their lack of understanding the Investors guidelines. My deadline is XX/XX/XXXX XXXX
Product: Mortgage

Hello Guild Mortgage Co, Pursuant to the Escrow Analysis dated XX/XX/XXXX, this analysis is severely flawed and is double counting my tax obligation due XX/XX/XXXX. Therefore, Guild has concluded they need to increase my mortgage payment by $ XXXX to make up for this non-existent shortfall. 

The analysis shows that my tax obligation was paid 1 month early, in XX/XX/XXXX, and then still assumes it will be paid again in XX/XX/XXXX, resulting in the non-existent shortfall. 

This is a glaring error, and I am bewildered that it was not able to be recognized and corrected during my multiple phone calls today, XX/XX/XXXX. This seems like a predatory way to squeeze more funds out of your customers where it is completely unwarranted, based on the irrefutable mathematics involved. 

If this is happening to me, it is likely happening to other customers who may not take the initiative to advocate for themselves to correct this error which conveniently lines Guilds pockets with funds they are not entitled to.
Product: Debt collection

I am writing to formally dispute the validity of a collection account listed on my credit Exquifax credit report. Despite multiple attempts to dispute XXXX XXXX XXXX on my credit report Details of the Disputed Account : - Debt Collector : National Credit Systems - Original Creditor Name : XXXX at XXXX XXXX Apartments - Date Opened : XX/XX/year> - **Amount : {$5500.00} I believe this account violates both federal and state laws regarding debt reporting and the applicable statute of limitations. Although, the Consumer Financial Protection Bureau ( CFPB ) oversees the enforcement of federal consumer financial protection laws, while state governments have their own laws and regulatory bodies that may also govern contracts and debt collection practices within their jurisdictions. Under the Fair Credit Reporting Act ( FCRA ), any negative information reported by a collection agency must be accurate, timely, and verifiable. Section 605 ( a ) ( 5 ) of the FCRA stipulates that a collection account may only be reported for a maximum of seven years from the date of delinquency that led to the collection activity. However, my credit report indicates that the date of delinquency for this account exceeds the applicable statute of limitations for debt collection in Texas. In Texas, the statute of limitations for debt collection related to an apartment lease is two years, as per the Texas Property Code, Section 92.019. Given that the date of delinquency for this account is from XX/XX/year>, it should no longer be reported or collected upon. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that this account is removed from my credit report. Additionally, I ask that XXXX XXXX XXXX cease all collection activities on this invalid debt. Thank you for your attention to this urgent matter. I look forward to your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the accounts are 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX  XXXX Balance Owed : {$52.00}
Product: Mortgage

This is a situation that has gone from bad to horrific. A few years back I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was not only physically devastating it was also financially devastating. Due to mounting debt we asked our mortgage provider ( freedom mortgage ) to grant us a deferment to regain our composure. The deferment was granted but when we were trying to reinstate our mortgage is where the true nightmare began. We were being passed around, lied to, and in my opinion purposefully misled for the benefit of the ability to seize or home. Though we experienced major financial impact due to XXXX we have a strong monthly income and resuming our monthly mortgage would not be an issue but they had started a avalanche of fees and missed payments that was impossible to recover from.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION, # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ) ( 1 ) 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
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

While in the process of trying to refinance my home, I found out on XX/XX/XXXX, that I have a lean in the amount of {$21000.00} from FHA/HUD. I made a few phone calls and found that this happened while modifying my loan with Ocwen Loan Servicing in XXXX. A modification that I feel I was forced into ( later ). I reviewed the documents of the modification and nowhere does it state that a lean will be placed on my title, nor anything in the amount of {$21000.00} of being owed at all. It shows the old and new principals, and the monthly payments and rates. I was forced into modification because while awaiting a XXXX hearing I became late on my payments around XX/XX/XXXX. When I reached 3 mos. past due, they refuse all payments, even those above a full monthly payment, and threatened me with foreclosure. They even refused to send me monthly statement for the months of XXXX andXX/XX/XXXX because I was behind.