23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am in bankruptcy and Mr cooper my mortgage company has been screwing up my life since before I was ever in bankruptcy. I missed a month and a half on my mortgage payments, the month and a half I missed was on XXXX and XX/XX/2023, I missed a full month in XXXX and half a month in XXXX and now they have filed a motion hearing for XX/XX/2023 for I think its called a motion to stay so they can take my house. I do not receive any mail from them because they have to Send it to my bankruptcy trustee apparently. I didnt even know there was a hearing until a week prior to the hearing date and the only reason I found out was because I called in to get a mortgage statement and a lady asked me if I knew about the hearing coming up, which I didnt and I also couldnt get a simple mortgage statement from them. My mortgage payment is {$790.00} a month. I could be a few dollar off on the monthly payment but thats just about accurate. I am being so mistreated as a veteran who served this country and Im trying everything I can to keep my home and pay my monthly payments. They also held my money from me that my insurance company sent for me to fix the roof on my house because I had storm damage, my roof is now exposed and inside of my house is leaking because they wont release my funds for me to fix my roof. There are so many things I could put in this complaint but Id rather explain it to whomever I am reporting it to because I cant type it all, my phone number is ( XXXX ) XXXX. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

Dear Capital One Customer Support, I hope this letter finds you well. I am writing to formally request a goodwill adjustment on my credit report regarding a late payment on my Capital One account XXXX I sincerely regret the missed payment, which was due to unforeseen financial hardships at the time. 

Since then, I have worked diligently to maintain a positive payment history, and I am pleased to inform you that my account has been paid in full. As I continue striving to rebuild and maintain strong financial health, I kindly ask if you would consider making a one-time goodwill adjustment by updating my payment history to reflect positive standing instead of a late payment. 

Capital One has been a valued financial partner in my journey, and I appreciate the services you provide. I am committed to responsibly managing my credit, and a positive adjustment to my account would significantly assist me in maintaining good credit standing. 

I understand the importance of accurate reporting and truly appreciate your time and consideration of my request. If any additional information is required, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your time and support. I would be sincerely grateful for any goodwill consideration you can extend in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried for 2 days to unfreeze my credit with Experian. Keep getting an error online and will not process request. When I call the XXXX phone number they give for customer service, you can not reach a person. You have to pay them to freeze and unfreeze credit report, which makes it worse, since you get no customer service from them.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance : {$1300.0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Arizona XXXX XXXX ( XXXX XXXX ) {$510.00} closed XXXX XXXX XXXX XXXX XXXX XXXX  ) $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} closed XXXX XXXX XXXX XXXX XXXX XXXX ( paid in full ) XXXX XXXX XXXX XXXXXXXX ( paid in full ) 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 a 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 ) ( 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, credit repair services, or other personal consumer reports

I have federal student loans owned by the US Dept of Education and managed by XXXX XXXX. On XX/XX/XXXX, Congress passed the CARES act providing for a temporary forbearance on federally-owned student loans ( the " pandemic pause '' ). As of today, no payments are owed until XX/XX/XXXX -- the date payments resume. 

Although no payments had been owing and due under the CARES Act, I had made some payments on my student loans during the pandemic pause. The CARES Act allowed borrowers to request refunds of any student loan payments during the pandemic pause Pursuant to the CARES act, I requested such refund. Particularly, since President Joe Biden had issued an Executive Order forgiving up to {$10000.00} of federally-owned student loan debt. 

In or around XX/XX/XXXX, XXXX marked me as having been late on 63 payments. However, no payments had been due given the CARES act. My credit score dropped over XXXX points due to falsely reporting of delinquency. Upon discovery, in XX/XX/XXXX, I immediately contacted XXXX and disputed the false reporting of delinquency given the CARES act. XXXX responded that they are marking all such accounts as delinquent as they " wait to see if this thing survives the courts ''. XXXX misunderstands the difference between the CARES Act ( which postponed payments due to the pandemic ) and Joe Biden 's student loan forgiveness program ( which purports to forgive student loan debt ). Even if Joe Biden 's student loan forgiveness were to somehow be struck by the Courts, the CARES Act is an act of Congress that postponed student loan payments. As such, I could not be delinquent on 63 payments that had not been owing and due until XX/XX/XXXX. 

In addition, XXXX 's conduct is contrary to other federal student loan services. My wife 's federal student loans are managed by XXXX XXXX, and XXXX XXXX did not mark her accounts as delinquent ( presumably because XXXX XXXX understood and complied with the CARES act ). 

I contacted XXXX and requested that the false reporting of delinquency be immediately corrected. XXXX refused. XXXX stated, to the effect, they did not care as they had been ending their contract with the Department of Education as of XX/XX/XXXX. 

Setting aside that no payments were owed, I received no documents from XXXX addressing the alleged delinquency. If I had actually missed payments, I would have expected to recieve a letter regarding the missed payments. I suspect XXXX issued no written correspondence because they know no payments were owing and due, consistent with the CARES Act over the past two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file.
Product: Credit reporting or other personal consumer reports

A collection company XXXX XXXX XXXX has decided that they will illegally try to collect on a XXXX account from XXXX. They are embolden by the lack of thoroughness to verify the debt by XXXX, Equifax and XXXX. 

I've asked the collection company and credit reporting agencies for actual verification and they've not provided. I've disputed it and these companies obviously takes the word of the collection company without asking for verification documents showing when and where the debt occurred. 

XXXX ( XXXX ) years is the maximum time credit agencies can report a debt per Fair Credit Reporting Act ( FCRA ). I think it's fair to say XXXX  years exceeds that timeframe.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX account number begging with XXXX opened under my name on XX/XX/year>. I believe XXXX XXXX XXXX XXXX has violated the truth in the lending act, codified in 15 USC 1601, by failing to provide accurate and transparent disclosures related to the loan terms and payments.

specifically, I have identified the following issues : 1.failure to disclose proper terms : the loan documentation provided to me did not clearly explain the interest rat, finance charges, or repayment terms in a manner that was understandable and compliant with the required disclosures under 15 USC 1601.

2.unclear finance charges : the amounts charged in connection with my loan appear to have been inflated, and I was not provided clear, itemized statements of the finance charges as required under the truth in Lending Act.

3.erroneous billing and statements : I have received statements with incorrect amounts, and XXXX XXXX XXXX XXXX has failed to rectify the despite multiple attempts to resolve the issue. The past due amounts listed are not consistent with what was initially agreed upon. 

in light of these violations, I am requesting a full investigation into the handling of my auto loan and that the CFBP ensures that XXXX XXXX XXXX XXXX  complies with 15 USC 1601 and corrects these issues. Additionally, I am requesting that any incorrect information reported to the credit bureaus in relation to this account be removed immediately.
Product: Credit card or prepaid card

XX/XX/2019 XXXX charge back done on amount of XXXX upon doing so I was notified that a refund was being held by XXXX for the amount of charge back and told that they must wait till netspend releases the charge back I contacted netspend to have this charge back removed told netspend why I needed it removed and had netspend corporate office check with XXXX on said hold of fund to make sure removing charge back was the proper action netspend corporate assured me that in doing so after they checked with XXXX that yes XXXX had the XXXX on hold and dropping the charge back would in fact allow XXXX to issue me my money well that was not true XXXX upon netspend releasing charge back XXXX did not have any funds now this was all recorded and if investigated will show the netspend corporate office told me false information that lead to me losing any ability to reopen a new charge back against the merchant for the amount of XXXX and I have tried to resolve this with netspend corporate office I have been a loyal customer with them made many deposit the refuse to even look back on what took place on the phone conversation I really would thank you so much if you can help me to resolve this also netspend passes it off to XXXX telling me it's there problem and XXXX says that netspend is the one that is responsible this is a mess and I lost a amount of money I cant afford to lose
Product: Debt collection

Linebarger Goggan Blair & Sampson, LLP, Attorneys ( LGBS ) has acted improperly by seeking to collect penalties and derivative sums on a toll charge of {$4.00} that was paid in full using XXXX XXXX, as follows : o False and Misleading Representations LGBS has violated 15 U.S.C. 1692e ( 2 ) ( A ) by misrepresenting the amount of any debt that Delaware DOT has demanded, by nearly XXXX percent. Appendix* pp. 1-2. 

o Unfair Practices LGBS has violated 15 U.S.C. 1692f ( 8 ) by mailing its notice in an envelope which contains a return address bearing the name of its company, a law firm ( Appendix p. 5 ).

o Validation of Debt LLGBS has violated 15 U.S.C. 1692g ( a ) ( 4 ) & ( 5 ) by failing to provide a right of validation.

o False and Misleading Representations LGBS has violated 15 U.S.C. 1692e ( 2 ) ( A ) by stating that stating that no response was furnished to an earlier demand, when in fact the Complainant did respond, with attachments ( pp. 3-4 ). 

_____________________________ *Please see the attached appendix which consists of 5 pages.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an urgent issue regarding an account reported by your institution that is erroneously listed as delinquent on my credit report. I have attempted to resolve this matter by contacting the Citi Bank multiple times through both email and letter, but I have not received any satisfactory resolution. 

I have no knowledge of ever applying for or holding a credit card with your bank. Moreover, I have been a victim of identity theft, which I have informed your institution about. I recently spoke with a representative from your bank who confirmed that there is no account under my name within your records. 

Given this, I request that your bank immediately contact the credit bureau to have this inaccurate information removed from my credit report. This incorrect entry is not only affecting my credit score but is also jeopardizing a potential future job for which I am currently undergoing a background check. 

The furnishing of this inaccurate information is severely impacting my financial and professional life. I urge you to rectify this mistake promptly by ensuring that the credit bureau deletes this erroneous account from my credit report immediately. 

Please treat this matter with the utmost urgency and provide written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX
Product: Mortgage

Good afternoon, My name is XXXX XXXX. I was told by my mortgage company that I would not be able to pay off the premium on my house until I get an appraisal and pay them 20 % of the price paid of all work I have had done on the house since I purchased it in 1990. The mortgage company is PHH and when did it become a policy to charge an extra 20 % at the payoff of my house. Please help me to understand what is going on. There has been no major work done to my property but there is a lot of work that needs to be done to bring my house up to code. The plan is to renovate after I pay off the mortgage company. 
I can be contacted by phone ; XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Fair Collections and Outsourcing : I am responding to your contact about a debt you are trying to collect. I recently pulled a credit report and saw that there is a collection out for {$93.00}. XXXX  XXXX University is the original creditor and the classification is medical or health care. I have not been contacted ever regarding this debt, either by the original creditor or the collection agency. I would have been happy to pay the creditor originally if it had been brought to my attention. I would like more information to understand if this collection is legitimate and if I should pay. I reached out personally to " Fair Collections and Outsourcing '' in the form of a letter in XXXX and have mail confirmation that they received the original letter. I have not heard any response back.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill their legal obligation under the fair reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. These failures align with my experience. Transunion has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account accounts as Transunion inaction violates federal law and my rights as consumer. Listed Below are disputed account with Transunion that are a result of ID theft I have provided Transunion with supporting documentation and they have failed to remove disputed accounts. 

1. XXXX XXXX XXXX XXXX ( XXXX ) Closed Charged-OFF Balance {$2300.00}
Product: Credit reporting or other personal consumer reports

ARVEST BANK ADMITTED TO INTERNAL SOFTWARE GLITCH CAUSING MY PERSONAL ACCT AUTO PAYMENTS TO BE COMPLETELY REMOVED FOR ALL FUTURE PAYMENT SET UP DATES WITHOUT MY KNOWLEDGE. INSTEAD OF FIXING ISSUE WITH CUST THEY REPORTED 30 DAY LATE PAYMENTS CAUSING XXXX DECREASE IN MY PREVIOUS IMMACULATE CREDIT! ARVEST ADMITTED TO THEIR ERROR BUT REFUSED TO UPDATE ACCT TO REFLECT NEW DUE DATES CAUSING MORE ISSUES WITH PAYMENTS. THE GLITCH CAUSED LATE PAYMENTS BECAUSE I WAS UNAWARE THAT AS A BALANCE ERASER LOAN CLIENT IT HAD AFFECTED MY ACCOUNT BY DELETING INFORMATION BUT MOST IMPORTANTLY REMOVING THE AUTO PAY ALREADY SET UP. I FOUND OUT BY CREDIT NOTIFICATION ON MY SCORE DECREASING. I'VE MADE OVER PAYMENTS THAT WERE CONSIDERABLY MORE THAN MIN DUE SO OVER PAYMENT COULD BE USED TO PAY OFF ANY LATE AMOUNT AND ALSO I'VE PAID DOUBLE OVER PAYMENTS SOME MONTHS TO COVER ANY HISTORY OF LATE PAYMENTS. THIS SHOULD HAVE BEEN RESOLVED APPROX 2 MONTHS AGO INSTEAD REPORT HAS XXXX AS 30 DAY LATE PAYMENT WHEN I HAVE MADE XXXX PAYMENTS OF {$460.00} TOTALLING over {$920.00} FOR THE MONTH OF XX/XX/year>. THIS IS INCORRECT. MY CREDIT HAS SUFFERED SEVERELY DUE TO THEIR INITIAL NEGLIGENT HANDLING OF MY ACCOUNT STATUS BY DISENROLLING ME OUT OF AUTO PAYMENTS AND DID NOT EVEN INFORM ME UNTIL IT WAS TOO LATE. THIS ISN'T FAIR BUISNESS TO A CONSUMER WHO HAS AN EXCELLENT & RESPONSIBLE HISTORY OF REPAYING ANY LOANS OR CREDIT OWED WITHOUT ANY MISSING OR LATE PAYMENTS. I SUPPLIED SUFFICIENT EVIDENCE AND ARVEST LOG ISN'T EVEN CORRECT WITH PAYMENT DATES THEY NOTED FOR XXXX/XXXX/202 IF YOU LOOK CLOSELY THERE ARE OBVIOUS DISCREPANCIES, I COULDN'T EVEN PROVIDE A THOROUGH EXPLANATION ON XXXX DISPUTE OR UPLOAD ANY EVIDENCE ON MY INITIAL DISPUTE CAUSING MORE DELAY BECAUSE OF TEXT COUNT. I DON'T HAVE MUCH IN LIFE BUT WHAT I DO HAVE I WORKED VERY HARD FOR INCLUDING MY CREDIBILITY AND COMMITMENT TO PAYING ALL DEBTS IN TIME. PLEASE HELP BY MAKING ARVEST ACCOUNTABLE FOR THEIR ERRORS IN THEIR INITIAL GLITCH CAUSING MULTITUDE OF ISSUES FOLLOWING RESULTING IN MY PERSONAL CREDIT DECREASING SEVERELY. I PLAN ON LOOKING FOR A HOME THIS YEAR AND I CAN'T AFFORD TO HAVE ANY NEGATIVE ATTENTION TO MY CREDIT REPORT. I HAVE AUDIO RECORDING OF CONVERSATIONS WITH ARVEST AND VISUAL EVIDENCE PERTAINING TO ARVEST BANKING ERRORS FOR ALL BALANCE ERASER PLAN CONSUMERS AVAILABLE UPON YOUR REQUEST.
Product: Debt collection

I sent a letter saying that my information was given without my permission and to send me all information from company or delete off my credit report
Product: Mortgage

PHH LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX The short sale package was faxed to PHH on XX/XX/XXXX/20. On XX/XX/XXXX they confirmed receipt of the package and said it was under review. We have called many times since then and have been told there were no updates. It has been over a month since they received the package. PHH is claiming they are having issues due to COVID. However, they have DONE NOTHING AT ALL IN OVER A MONTH. This is NOT acceptable.

I understand the impact COVID-19 has had, however, the reset of the real estate industry has figured out a way to move forward, as have the rest of the servicers. At this point This is not a COVID issue we have been having these same issues on every file with PHH since last fall. PHH is just grasping at yet another excuse to not work on their files. This is a violation of their servicing guidelines. 

I want the short sale reviewed and moved forward in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX BANK XXXX XXXX XXXX {$120.00} ; XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.