23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello. After speaking to multiple PHH representatives & relaying my issue to them ; the matter got out of control & all mixed up. I spoke the following representatives ( all calls are recorded ) : Spoke to others but misplaced their information & communication notes, because of driving. 

XXXX- XX/XX/XXXX. Rejected the modification to increase my payments when I am going through a financial situation. Requested to keep current mortgage payment note of {$1800.00} & not over {$2200.00}. Requested to be taken out of forbearance. XXXX said this would not negatively affect my credit. 

XXXX XX/XX/XXXX. Checking on status of letter. 

XXXX XX/XX/XXXX. Regarding payment made for $ XXXX. Requested letter stating, I am not in forbearance. 

XXXX XXXX XXXX. XX/XX/XXXX ( Asked to speak to supervisor, not the 1st. Told he/she would call me back with 24/48 hours ) However, she spoke to her supervisor XXXX, he said he would write the letter & email it to me. It was emailed to me, but wasn't on a letterhead & unacceptable by bank trying to verify if I am in forbearance or not. 

XX/XX/XXXX- XXXX agent id : XXXX XXXX. Informing PHH ( mshomesaver plus ) is sending the validation request ... has been sent to the servicer 2. Modification request is canceled XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. About negative credit reporting after {$6400.00} made on XX/XX/XXXX. XXXX stating I am not in forbearance. Also, notifying them again of loan verification is pending so they can get paid for back payments from MSHomeSaverPlus XX/XX/XXXX XXXX XXXX ( a manager ) back after missing his call & the next minute he was busy. Still haven't spoke with him as of XX/XX/XXXX. 

Spoke to XXXX on XX/XX/XXXX. Requested negative credit reporting & Letter. 

Now, I am being denied credit because of the negative credit reporting after I made the {$6400.00} that they said would keep me on payment until XX/XX/XXXX. Report 120, 180 days past due & they know I was in a legal forbearance. Then after making 3 payments to carry me over, the negatively report on my credit. 
Now they decide to " retract '' the negative reporting, but other current creditors have seen it & changed my terms of my business accounts ( XXXX ). 
Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts ( 4 accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX XXXX I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. 

XXXX XXXX : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. 

NelNet : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XXXX XXXX XXXX. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. 

I have spoken with XXXX, NelNet, XXXX XXXX, and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account online with Comerica Bank. I recently moved to XXXX and I would like to utilize a local bank. I also saw an ad on XXXX about {$200.00} bonus for a new account with direct deposit. After the account was approved and opened I immediately set up direct deposit so that my next paycheck would go to this new checking account at Comerica Bank. I also received a debit card a couple days later. 

On XX/XX/XXXX I called in to unlock my online access since I forgot my password and I was told by the representative XXXX that my account was closed on XX/XX/XXXX. There was no communication from Comerica Bank about this closure. My paycheck is supposed to arrive on XX/XX/XXXX and I am not short of funds to settle my bills due to this confusion. 

My account number is XXXX I can understand that banks want to close accounts due to various reasons but the lack of communication is evident of deceiving and misleading practices that can harm consumers greatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX
Product: Debt collection

Sometimes in 2010, my wife took my daughter to a local XXXX Hospital in XXXX XXXX, California ER for a 45-minutes visit. The hospital charged us a bill over {$7000.00}, and we were left with about {$1400.00} after insurance paid out. We requested the examination of all the charges and found out some charges incorrect and consequently we submitted a bill dispute with proper depart. of the hospital. Finally, we received a letter dated XX/XX/2010 from the hospital 's billing business service partner XXXX XXXX XXXX stating " The charges have been resolved. '' And I kept the letter in file. 
However, shortly after a debt collecting agency CBSJ Financial Corp. started unstoppable calling and writing to my wife with threatening languages like reporting credit bureau etc despite my wife told them the matter has been solved between hospital and us. At that time I was oversea and didn't know this. Finally my wife couldn't bear the emotional pressure and continuing harassment and wrote a check of {$1500.00} as the CBSJ demanded to get her peace. In other words, my wife paid CBSJ debt collector for non-existing debt in exchange for a quiet life. 
I just found this out when I was cleaning up old document which includes my wife 's notes on an envelop and conversation with her. I was so upset by CBSJ such abusive practice for collecting non-existing debt through harassment and angry at XXXX Hospital apparently sold the already solved debt dispute to a knowingly abusive debt collector.
Product: Mortgage

My Mother Passed XX/XX/2018 not knowing all of her affairs right away, the grief was overwhelming being an only child. when I was able to think and function I realized there was a loan on the House. I immediately contacted Ovation loans to get the ball rolling to have the loan transferred to my name. By XX/XX/2018 I had emailed them all the paper work they requested along with my check stubs and her death certificate and the documents they asked that I fill out.

To this date they have did nothing to have the loan transferred to me, I emailed them several time for the status of my case but they just keep asking for the same information nice that I've already sent. sometime in XX/XX/XXXX or XX/XX/XXXX my Uncle and I called to pay the loan off in full they refused to give us a payoff and wanted to add more fees and interest to the pay off, so intern we just paid XXXX in which they took half XXXX for interest XXXX for other fees and gave me only XXXX towards the principal. With no regard for the loss of my mother they have stalled to make the interest and other fees go up and to make it harder for me to catch up and maintain this loan. because of their neglect on processing my paperwork and request I owe much more than I would have had they efficiently processed my request in a timely manner and considered the fact that my only delay was having to bury my mother and learning of her affairs. In the process I had the deed transferred into my name. Now all of a sudden they have their legal dept calling me, I guess to threaten me. when I diligently made a genuine effort to take care of this loan
Product: Credit card or prepaid card

ISSUE : Credit card company refuses to restore XXXX miles related to a fully refunded purchase. 

DETAILS : On XX/XX/2019 a merchant charge of {$1600.00} posted to my credit card account. On XX/XX/2019 I redeemed XXXX miles towards the full cost of this charge. ( The redemption conversion rate for this reward program is XXXX miles for every XXXX USD ) On XX/XX/2019, the same merchant refunded the {$1600.00}. However, after multiple attempts to directly resolve, the credit card company claims I am not owed the XXXX miles redeemed for the now-refunded purchase. 

***Note : This reward program allows consumers to earn " double miles '' for every dollar charged on their credit card. The charge for {$1600.00} generated XXXX earned miles that were subsequently taken away when the merchant credited my account for the same amount. I have NO ISSUE with this transaction. *** I have all billing statements, account information and necessary details to resolve.
Product: Credit card or prepaid card

To whom it may concern, I am very distressed having to write this letter but I see no other way to resolve this issue. On XX/XX/XXXX I decided to get a loan to pay off my credit cards. My Barclay card was to be paid off at XXXX dollars. The bank distributed the checks to the various creditors ; I provide the statement payment stubs with the corresponding envelopes. Somehow the Barclay payment never made it were it was going. All payments were made with official bank checks. When I received my XX/XX/XXXX bill from Barclay I noticed the {$3100.00} payment was not there. I just figured it had not posted yet. When I got my XX/XX/XXXX bill and it still hadn't posted I contacted my bank they retrieved the canceled check and called Barclay. The bank has faxed and emailed the canceled check to Barclay several times. Barclay finally came up with the answer that the check had gone to the wrong bank, were some of their accounts had been sold too. The bank and I have been calling Barclay Almost every week to no avail. I was told in XX/XX/XXXX when the investigation started I would not be charged late fees or interest until the matter was solved. I on XX/XX/XXXX and XX/XX/XXXXBarclay called 5 to 6 times I returned their called assuming they were going to tell me the problem was solved, they informed me I owed them a XXXX past due payment .I informed them as far as I was concerned they were paid off I have a canceled check made out to Barclay . We have been dealing with this since XX/XX/XXXX every time you call them you get someone different to speak too, the last supervisor I spoke to tried to get a specialist to speak to me, he was told none were available. I really need help resolving this matter ; it is putting a strain on my mental health and my marriage Thank you for your time, XXXX XXXX
Product: Debt collection

I'm a victim of identity theft. I submitted a dispute along with FTC report, National Credit Systems Collections continue to report a fraudulently account on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX / XXXX XXXX  Account Number- XXXX. I received my credit report. I noticed that this account is reporting incorrectly XXXXThe late payment summary is inaccurate and is reporting as follows, XXXX shows that in XXXX  XXXX is reporting 30 days late, XXXX is reporting 60 Days late, XXXX is reporting 90 days late and XXXX and XXXX is showing that the account was Closed. EquiFax is reporting that in XXXX  XXXX is reporting 30 days late, XXXX is reporting 60 days late, XXXX is reporting 90 days late and XXXX shows it was PAID ON TIME. XXXX in XXXX  is reporting XXXX is 30 days late, XXXX is reporting 60 days late, XXXX is reporting PAID ON TIME, XXXX is showing DATA UNAVAILABLE. This account is reporting inaccurate and According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion thank you
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists.
Product: Debt collection

I had an XXXX at XXXX XXXX in XXXX Texas which soon after I found out I had invasive XXXX XXXX and 3 months to live. I 've since then had 2 XXXX XXXX  to save my life, one just a week ago. After the XXXX there was a bill of {$790.00} around there and I spoke with them about what was going on. The lady at the desk asked me to drop off medical bills and other bills I had to see if they could dismiss the bill to help me. I dropped off what she needed, I ended up doing this 4 times as for some reason they did n't know where it was. Then I had my XXXXXXXX and have been unable to work or leave my home since XXXX in the fight against XXXX. A lady did call me while back and ask for the paperwork again, I told her I had turned them in 4 times and if there was a problem to let me know because my fear was they would just turn it over to collection and my credit would be affected. She said that she would look into it and get back to me that would n't happen. I never heard back, so I honestly was just trying to deal with all my XXXX and fighting my XXXX. Today I got a notice from my credit reporting agency that the bill was turned over to a collection and was on my credit report. I called them right away, and the lady I spoke with was rude, could care less if I had XXXX or was sick, she was so insensitive to everything that was going on. I told her what I knew and what I was told, she said that they denied my relief of the bill and it was with collection now to deal with them. I told her this is what I was so worried about happening and now even if I tried to get a loan to pay it my credit is trashed by this. I told her no one contacted me by letter or phone call. Not once! I wanted it removed from collection and give me a chance to pay this as I would have found a way. She said no deal with the collection agency. Cold, disrespectful to my situation which has been very upsetting now, when I 'm trying to heal. I 've filed a claim with the BBB in Texas. If they felt this was so serious of an issue all they had to do was call me, as I received no further calls or letters from them. I would think a warning a certified letter asking for payment would have been made. No straight to collections and on my credit report. I need your assistance please with this matter and would like the option to make payments and it removed from collection and my credit report. I will contact an attorney if it has to be done that way, but would just like them to understand where I am and some compassion would be appreciated please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I noticed that I had a lot of inquiries that I did n't not authorized I spoke with someone at TransUnion,   XXXX   and Transunion they told me to send in a dispute with all the inquiries. I did that then they told me they could n't do anything I have to contact the creditors myself. my report correctly have a fraud alert due to all of the misinformation I 'm trying to get cleaned up. TransUnion told me to place a fraud alert on my report and dispute any inaccuracies but now they do n't want to help me. I placed a fraud alert on all  XXXX  of my reports and disputed all of the inquiries that I did n't authorized.
Product: Student loan

I have yet to receive an interest subsidy for my interest still accruing on my SAVE plan. Nelnet hasnt provided any insight as to when this will happen just that it will happen retroactively. I need to know a date or timeframe that isnt so obscure. I also need to know how often and how regularly this subsidy will be applied as my interest continues to grow on my account.
Product: Credit card or prepaid card

I was offered a Comenity Bank XXXX at my local XXXX store. I applied for the card and used the card for my purchase. I received my bill and would like to pay my total balance of {$180.00}. I have tried via their website and via telephone to pay this bill for the last XXXX days. The website says they are having scheduled maintenance so they are unable to process any payments or grant access to my account and when I call there is a recording saying they are having unforeseen technical difficulties and that their offices are temporarily closed. I would like to pay this total balance, before it becomes overdue, then cancel this card because I am suspicious of this credit card company. I want to be done with this credit card company but I cant seem to pay or cancel the card in any way because I can not get through to this company at all either online or by telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 



XXXX XXXX XXXX XXXX : {$190000.00}
Product: Checking or savings account

I called to close an account and they said it was closed however the account is still open they just removed my access from the account. 
An investment account was opened without my permission!
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Employer - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I recently got a copy of my report and noticed fraudulent accounts on my record.Please remove these accounts as they are hurting my capability of obtaining credit.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting these collections as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a notification of some inquires that i did not recognize or authorize that appeared on the credit bureau 's. I've tried to have them removed but but have gotten no where. On XXXX, in XX/XX/2022 and 2 companies called XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX both submitted an inquiry that i did not authorize and am trying to get it removed asap because it's affecting my credit scores. 
Also I believe same company pulled an inquiry on my XXXX, XXXX XXXX XXXX XXXX for auto on XXXXXXXX XXXX XXXX 
Also on same date on XXXX, these same companies and some additional ones pulled inquires, XXXX XXXX XXXX XXXXXXXX XXXX XXXX WestLake Service Inc, & XXXX XXXX all pulled on XX/XX/2022. 
I personally did Not autherize any of these inquires, please help. I've done all that i can do, thanks in advance for your help!