23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am having a problem with Midland Mortgage who is the holder of the FHA mortgage loan on my home. They have misled me and not been honest and seem to be trying to deny access to programs for struggling homeowners. I was in an agreement with Midland Mortgage but unexpectedly had the IRS come after me for back taxes and garnish my paycheck. As a result of this garnishment I could not afford my bills and I defaulted on my modification. I immediately contacted Midland and they told me they would work with me and to contact them as soon as I was back on my feet financially. In a matter of months I was able to get the IRS to put me into a payment plan and began receiving my regular paycheck. I tried to make a monthly payment to Midland but they would not accept my money and told me I had to repay all missed payments as well as late fees, Attorney fees etc. I was not able to do this. I was told I could go through the loss mitigation review in order to resolve the late payments and get considered for a modification. I submitted the financial information and was told that everything looked good. Then I was told that since I had received assistance through HUD in the past that I could not be reviewed for assistance again. I dont believe this information is accurate and when I asked Midland to explain they could not give me any straight answers.      I have owned my home si nce 2009 and  have worked as a  XXXX   XXXX  for 26 years. I ran into a true hardship when the IRS unexpectedly garnished my paycheck and it caused me to default on this  loan. As soon as I got the matter resolved I tried to work things out with Midland, but have run into a brick wall. I believe that I qualify for assistance through HUD with my FHA loan based on the income but Midland is refusing to open a review. I believe that there are options such as partial claim, special forbearance or modification available for me. I dont understand why Midland agents tell m e to apply for help and that everything looks good then tell me that they wont help me because HUD helped me in the past. This does not seem right.
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX Balance : {$910.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  VIA XXXX : XX/XX/20 XXXX  XXXX XXXX VIA XXXX : XX/XX/20 XXXX XXXX  XXXX VIA XXXX XXXX XXXX : XX/XX/20 XXXX XXXX XXXX VIA XXXX XXXX XXXX : XX/XX/20 and XX/XX/20 XXXX XXXX  XXXX VIA XXXX XXXX : XX/XX/20 XXXX XXXX XXXX  VIA XXXX XXXX XXXX : XX/XX/20 Transunion customer service would not help and take care of these negative inquiries reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting multiple HARD INQUIRIES on my XXXX app. 

XXXX. XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX. Nordstrom/TD Bank USA XXXX XXXX XXXX XXXX I am also getting denial for credit from others a. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.
Product: Student loan

XXXX  told me one monthly amount to pay and then two months later my monthly amount increased. XXXX  did not inform me if I did not recertify my enrollment on time for the income-driven repayment plan it will lead to me pay more each month. 
XX/XX/year> XXXX  required me to pay XXXX to them and now my loans are being transferred to Mohela. My XXXX  loan is over 20 years old.
Product: Student loan

I first got this loan in XX/XX/XXXX when I first attended XXXX University. XX/XX/XXXX I could not afford to attend the school any longer for how expensive it was. I got the loan through XXXX XXXX who is Navient and could only get approved if I had a co-signer. I had to put the account in forbearance because of payment to high. I had to do a deferment because of the payment to high. Once I was able to finally make a payment that fit into our budget each month and came out of our account directly they went and up the amount AGAIN without any notice and no negotiation whatsoever. They would always say, 'well can your co-signed pay it. ' My co-signer being my father is unable to pay anything because he was force to quit his job to an injury that made it impossible for him to work indefinitely. They do n't care about that. So they put a lean on his house. Then my mother passed away and that made matters even worse. They still do n't care about that. Low and behold they canceled my repayment plan I had going for a couple years and upped my amount once again without notice that is literally almost impossible to pay. They said there is no way out of this one and I have to pay it or they will start garnishing wages and start to take personal belongings from my father as collateral. So I have literally not paid other bills so I can make sure this one is paid each month. Not to mention that I am married with XXXX children under the age of XXXX on one income. Again, they do n't care. This loan is literally the thorn in our flesh everyday.
Product: Credit reporting or other personal consumer reports

I was reviewing my Consumer Report recently and I discovered that there were accounts reported that do not have permissible purpose. The information that is being reported is adversely affecting my character, my creditworthiness, my reputation, and my mode of living as a consumer. This is a clear violation of several federal laws that are governed by the Fair Credit Reporting Act, the FDCPA, and Title 18 under identity theft. 15 USC 6801 and 6802, talks about disclosure of non-public personal information and privacy obligations but it is clear that since my identity has been used, XXXX, TransUnion, and XXXX have not upheld their obligations as consumer reporting agencies. Since there was no permissible purpose, per 15 USC 1681b, and non-public personal information was transferred without authorization, per 15 USC 6801, this is a clear indication of identity theft, which is stated in 18 USC 1028.
Product: Mortgage

I had a tenant who did not pay the rent for 14 months from XXXX XXXX XXXX.I made the payment all the way to XXXX XXXXfor the XXXX XXXX. I have paid taxses and insirance on my own for that house. On top of paying the mortgage and everything else for the house I live in. 
Being in this difficult situation I called the Bank of America to help me since the tenant was paying nothing. I was covered all the way ti XXXX of XXXX,. 
XXXX Ifot a letter from a debt collector, and my credit score dropped 142 points. This was done without any notice, despite of the fact tha It is not XXXX yet. This bank has been collecting money since XXXX for this Home Equity and they are so greedy in the midst of Covid 19?
Product: Credit reporting 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 account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$0.00}
Product: Credit card

All accounts with Synchrony Bank. All have been paid in full except one account. I attempted to open a secured account with XXXX. Synchrony Bank still sends a statement with a negative balance. I dont understand how this continue to happens. Closure is closure.
Product: Debt collection

I sent a letter to Portfolio Recovery Associates requesting that they " VALIDATE " a debt that they are attempting to collect from me. I specifically asked for a signed agreement not electronic signature and other documentation, Portfolio Recovery Associates provided me with billing statements which does not prove i am obligated to pay them anything. Portfolio Recovery Associates have reported delinquent information to the credit bureaus that i am asking to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here recently XX/XX/2022 I pulled my credit report from Experian.com and noticed several inquiries for auto loans and credit cards over the course of the last few years that I have no knowledge of and did not authorize. I placed a freeze on my credit report on XXXX after receiving notifications via email that my experian report had been recently checked by a lender I reached out to Experian on XXXX to inquire about these inquiries and to get further assistance on getting them removed because they should not be on the report but the representatives I spoke with could not assist and refused to further investigate. I spent several hours on the phone with them speaking to supervisors, fraud and being transferred countless tomes to get to the bottom of this. I still have not gotten a resolution with Experian! The inquires on experian that were unauthorized are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX I have sent letters certified mail to Experian on XXXX as well as filing this complaint in hopes to get them removed and for further investigation to be done. The credit freeze will remain in place.
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXXXXXX Balance : {$340.00}
Product: Student loan

I had a loan I used for school in XXXX  for {$50000.00}. It was a sallie mae loan, which is now navient. My loan is now currently {$170.00}, which I can not afford. I am a XXXX XXXX XXXX. I have a decent job but after rent, transportation, food, and inflation, I can not afford a XXXX per month. I was able to get on the rate reduction plan for 6 months, but the lowest they can get is {$1000.00} which Is still super high for me. I really can afford like {$900.00} per month. I was paying {$990.00} per month which was durable but it seems every time I do the rate reduction, it goes up. I really need to lower my payment
Product: Checking or savings account

I am writing to bring to your urgent attention a series of distressing events involving a joint account held by my son and me at Citibank. The details are as follows : We received an email notification from Citibank stating that a check for {$1000.00} was deposited into our joint account. However, neither my son nor I deposited this check.

Upon receiving the notice, we immediately contacted Citibank to report that we did not make this deposit. We were advised that the funds would not be released.

Following this, several other transactions occurred back-to-back, including additional deposits and withdrawals.

My son began receiving threatening text messages from an unknown individual, who claimed they would harm him and our family if they did not receive the money. 
XXXX XXXX XXXX XXXX XXXX was alone in XXXX XXXX at the time, and the situation caused him extreme distress. The person sending the messages claimed to be tracking his movements via his phone. 
Subsequently, the individual was able to deposit over {$4000.00} and withdraw {$2000.00} from his savings account.

We advised Citibank that these transactions were fraudulent and requested that the funds not be released. Despite our warnings, the fraudulent activities continued, including deposits of fake checks and transfers via XXXX and XXXX XXXX. 
Given these alarming circumstances, I request an immediate and thorough investigation into the fraudulent activities on our account. Additionally, I urge Citibank to take all necessary measures to ensure the security of our funds and personal information.

This situation has caused significant emotional and financial distress, especially considering my son 's condition and his vulnerability during the time he was alone. I trust that Citibank will handle this matter with the urgency and seriousness it deserves.

Please acknowledge receipt of this letter and inform me of the steps being taken to resolve this issue at your earliest convenience.
Product: Debt collection

Absolute Resolutions Corporation is trying to recover what they claim to be a purchased debt, yet the amount owed and the charge off date do not match what is on my credit report. They first tried to collect on a debt originally owned by XXXX, who closed the account according to the CRA in XX/XX/XXXX. Absolute Resolutions Corporation first used XXXX XXXX XXXX to attempt to collect the debt on or around XX/XX/XXXX. XXXX XXXX XXXX in addition to attempting to collect with the wrong amount owed and charge off date also violated The Truth in Caller ID Act. After filing a complaint with the Attorney General 's Office of Missouri, XXXX XXXX XXXX made the decision to no longer pursue the debt and promised to send it back to the original creditor. They interpreted their statements as Absolute Resolution Corporation being the original creditor not fulfilling what they stated they would do. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, claiming that the debt had now been placed with them and they were also trying to collect with the same incorrect and misleading information regarding the charge off date and amount owed. Another complaint was immediately filed to the Attorney General 's Office of Missouri. 

On XX/XX/XXXX, I received a letter from the Attorney General 's Office stating that ARC claims no wrongdoing and that their office is unable to provide the relief I'm seeking and that my complaint is not without merit and I should consult a private attorney. 

Again, ARC claims that the debt is validated and produces various documentation that doesn't reflect the same information that was reported by the original creditor on any of my credit reports. 

With no judgment against me, no lawsuit filed against me, no open account for this debt on my credit report, one collector who decided to no longer pursue my account, and a lot of information online saying Absolute Recovery Corporation and XXXX XXXX XXXX are scams, I do not feel like they have the authority to collect this debt. Absolute Recovery Corporation despite providing documentation has failed to validate by providing inaccurate and misleading information on the charge off date and amount owed on this debt. 

I am happy to provide all correspondence they've sent through the Attorney General 's Office, in addition to my credit report, to prove that what they claim doesn't match the information reported by the original creditor to the three main CRA 's.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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  # XXXX Account Name : XXXX XXXX # XXXX
Product: Checking or savings account

My checking account with USAA was hacked XX/XX/XXXX two times. One was a direct withdrawal for {$550.00} and the other was a wire transfer for {$470.00}. Both fraudulent charges were sent to XXXX a cryptocurrency platform. I immediately reported the fraud to my bank They are refusing to return the XXXX bc it was a wire. I dont care HOW the hacker stole my money. It was fraud, I also sent multiple emails to XXXX explaining what happened. I had recently set up an account with them and they said there was nothing they could do. They sent {$530.00} of my money to someone elses account!!
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of XXXX
Product: Payday loan, title loan, or personal loan

I obtained this loan on XX/XX/XXXX, 2017 to consolidate some of my other bills. I went into the office of OneMain Financial located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX assisted me with the paperwork. I thought this was a good thing at the time to really help me with my financial needs. It was n't until about 3 weeks later when I learned of the {$950.00} fee just for doing the loan. I had talked with my XXXX XXXX insurance agent and was offered a loan with a much lower interest rate. This is when I discovered the outrageous fee on top of the 16 % interest rate. I am a senior citizen on a fixed income and I was NOT told of this FEE at the time I applied for the loan. Since trying to get the pay off info from OneMain, it has been a nightmare. I truly feel they took advantage of me by not clearly explaining & pointing out the {$950.00} fee BEFORE I took out the loan. Nearly a {$1000.00} FEE is certainly NOT how you help a senior on a fixed income. Then they took my 1st loan payment from my bank account on the XX/XX/XXXX when my 1st loan payment was set for the XX/XX/XXXX, per the contract. I was given the run-around when I asked for the pmt to be reversed on X/X/17. They said to get a bank statement showing the pmt of {$460.00} cleared and bring it to the office and they would cut me a check for that amount right then. When I got there with the proof from my bank they refused to give me the check and told me it would be processed and mailed in about 1 week. I need this money now. By the way, my loan amount w/ OneMain was {$18000.00} on X/X/17 and the pay-off amount effective X/XX/17 is {$20000.00} through X/XX/17. I am going with the XXXX XXXX XXXX loan to pay off OneMain.This place is SHADY in my opinion and preys on people like me, a senior citizen. They need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA did not close a homeowner 's claim from 2016 on my XXXX XXXX report. This resulted in overpayment of insurance premiums for several years and denial of coverage multiple times. 

I talked to at least 10 people at USAA in the insurance department and no one was familiar with the XXXX  report and no one provided any solutions.
Product: Credit card or prepaid card

My XXXX XXXX card used to be with XXXX  XXXX XXXX. Comenity Bank apparently bought my card and XXXX XXXX XXXX transferred my information to them. I never received a new credit card. I never received new statements until now. Comenity cancelled my AutoPay and caused my account to fall into delinquency. Comenity has charged me hundreds of interest and late fees. This is not right. I have paid my principal balance now that I managed to register for an online account.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX I looked at my Experian XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

MY PERSONAL INFORMATION WAS BREACHED/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .
Product: Debt collection

This is a fraud account. This account has been settled numerous times and sold to collection agencies. I've never had a XXXX account and the address isn't even mine its my daughter 's
Product: Debt collection

I am repeatedly receiving robo calls from Transworld Systems Inc. telling me to call them concerning some debt they are attempting to collect. 

I am not indebted to any one or any company. I have never received any written notification from Transworld Systems, or  any other person or company, concerning any debt I owe. 

I refuse to give these idiots the satisfaction of calling them about a non-existent debt! They obviously have the wrong telephone number in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I became aware of the errors being reported on my consumer credit report .Pursuant 15 USC 1681c2 block information resulting from identity theft. Pursuant 15 USC 1681b reasonable procedures must be fair and equitable to the the consumer. Pursuant 15 USC 1681a ( 2 ) A ( iii ) consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is my chance to direct it off my report. Per Gramm Leach Bailey Act. Accounts named XXXX XXXX, XXXX. XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX XXXX XXXX is a duplicate I have an open XXXX XXXX XXXX so i have no clue who XXXX  XXXX XXXX is.