23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LoanCare made an erroneous unauthorized disbursement from my escrow which caused my escrow to become short. I used this disbursement to pay my property tax bill which was still outstanding. The company then made an additional payment to my property tax bill causing there to be a credit balance. I have persistently called the company week after week to ensure this credit balance will be collected and applied back to my escrow, however, this hasn't taken place and I can't even confirm if they reached out to the Office of Tax and Revenue at all. The company has placed a prorated shortage on my mortgage bill and refuses to provide a credit to my bill to fix their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Morgtgage is reporting mortgage delinquency payments during forbearance program approved by previous mortgage company. ( XXXX XXXXXXXX XXXX ). I never paid late to Midland Morgate, and Midland Mortgage failed to verified proper forbearance approved documentations prior adquiring the new loan. ( 2 forbearance signed document packages were submited to XXXX XXXXXXXX XXXX  during forbearance program on XX/XX/2020 ). Because of this wrongly report to my credit, I was denied with a mortgage loan to buy a property. Before this issue, my credit score was XXXX, after wrong report was made, my credit score went down to XXXX and jeopardized all my financial stability.
Product: Student loan

I have been attempting to get lower payment options since XX/XX/2018 when I received what my payments would be increasing to. All of last year I was working on catching my loan up and making them current. I had to make a minimum payment but overpaid a little every month. I ended the year in good standings. I owed {$5.00} but I paid $ 20-40 a month. I paid as much extra as I could. I was emailed in XXXX and told my payments increased to over {$90.00} a month. I'm a single mom and can't afford that. I have reached out to them online twice, even allowed them access to my tax information. I made some kind of payment but now I'm behind and it's only XXXX. I mailed in financial hardship information and still haven't heard. I feel like they aren't responding to me so I will fall into default again and will be forced into another year of interest. I feel my student loan has more than doubled since I even got it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear who may be concern, My name is " XXXX XXXX XXXX '' .I request investigation on those items I list below as they are inaccurate and not belong to me. 
If inaccurate, they must be removed in order to show my true credit history, as these items should not be on my Credit Report. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Name Reported** _XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX . 
All of these name above are incorrect, The most accurate name would be report is only " XXXX XXXX XXXX ". 
**Employment info** _XXXX XXXX XXXX  XXXX XXXX XXXX These employment information is not mine, please delete it. 
**Addresses Reported** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These address is not mine and incorrect. I have listed proofs of my current address in the attachment below. 
**Credit cards** _XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX I never receipt any loans or credit from this company. Please delete it!! 
_ XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine, Please delete it or provide me full documentation. 
_XXXX XXXX Reported : XXXX. XXXX, XXXX This account state that I have lated payments on XX/XX/XXXX, XX/XX/XXXX. However, I never late and paid on time. Please update payment agree. 
**Other Loans** _ XXXX XXXX : XXXX. XXXX, XXXX I never used XXXX service. I have been using XXXX for years. I have attached my proofs payment with XXXX. I don't own XXXX any money. Please delete!!! 
**Account** XXXX Inquiry : XX/XX/XXXX This account isn't mine, delete it!! 
**Account** XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I never receipted any loans or credit from this company. Delete it!!
Product: Money transfer, virtual currency, or money service

I sent XXXX from cash app to my XXXX account.. supposedly my money was sent back.. Ive never got my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to know are you the owner of the original debt? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A COLLECTION WITH ACCOUNT XXXX XXXX THAT IS SITTING ON MY CREDIT, I CONTACTED THE ORIGINAL CREDITOR AND PAID THE ACCOUNT OFF SEVERAL YEARS AGO, I HAD TO BECAUSE IT'S A UTILITY. BUT THIS COLLECTION COMPANY KEEPS IT ON MY CREDIT REPORT SHOWING I OWE A BALANCE ON THE ACCOUNT. I CONTACT THEM AND THEY WANT ME TO PAY THE BALANCE, EVEN THOUGH I HAVE TOLD THEM THAT I PAID WITH THE ORIGINAL CREDITOR. THEY DON'T SEEM TO CARE, THEY ALSO HAVE NEVER SENT ME ANY PAPERWORK REGARDING THIS ACCOUNT AND THEY KEEP RESPONDING TO THE DISPUTES THAT I PUT THROUGH THE CREDIT REPORTING COMPANIES, AS THE ACCOUNT IS ACCURATE AND NOT MINE. THIS IS CAUSING ME TO NOT BE ABLE TO REFINANCE. THEY ARE STOPPING THE LOAN PROCESS OF XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act ( XXXX XXXX  ) account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : Also states a consumer reporting agency can not furnish An account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/24, I was sent wiring instructions to wire money to Citi Bank for my new house closing and down payment money. This was to a Citi Bank account. This was a fraudulent account that I was sent from someone intercepting the emails and sent this over to me. My bank XXXX Bank tried to file a fraud claim and came back saying that the Citi Bank account had insufficient funds and unable to get my wired money back of {$67000.00}. I need help in getting my money back and made right since there was nothing that stopped the wire money at Citi Bank from being taken out without proper security. XXXX Bank filed a XXXX XXXX  Complaint and Citi Bank is not taking any responsibility at all. I am out of the {$67000.00} and my new home, and now with no place to live. I need this made right by Citi Bank and place this money back in my account with XXXX Bank where the money was sent from. No one at Citi Bank will help me with this scam that involved their back and accounts.
Product: Debt collection

Hi, I am writing because I found out that i have a debt collector that is affecting my credit score. This debt is not mine, and the collector refuses to remove it from my husband 's and my credit score. What do i do? when we told the lady that is not ours and we wanted to negotiate to get rid off it she denied, and offered for us to pay about XXXX which is what the debt showed as early this year ... i just checked this again and it went up to almost XXXX! This debt used to showed as of year XX/XX/XXXX and i checked it again and they changed it to XXXX. We reside in XXXX and under the statue of limitations it says that they should get rid of this issue next year ( 5 yrs ), but they changed the date to XX/XX/XXXX! the debt collector is : Rent Recovery Solutions form XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not provided any written instructions to allow any Consumer Reporting Agency ; TransUnion, XXXX, or XXXX, to release my consumer report and according to 15 U.S. Code 1681b this is a direct violation of the law and falls under the category of 15 U.S. Code 1681c1.

I request that the information be removed from my credit report for the following accounts and amounts listed below based on the Codes afore mentioned. 

TRANSUNION : XXXX XXXX reporting a Collection whom I never had any account with is reporting an amount of {$1100.00} debt was XXXX by XXXX XXXX XXXX XXXX XXXX COMPANY XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX late payments XXXX reporting XXXX my consent XXXX : XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX BANK XXXX Account number XXXX Closed XX/XX/XXXX still reporting without my consent. 

XXXX XXXX XXXX Account number XXXX. XXXX Account still reporting without my consent. 

XXXX XXXX XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX Still reporting without my consent. 

XXXX XXXX Account number XXXX Closed Account XX/XX/XXXX still reporting without my consent. 

XXXX Account number XXXX XXXX without my consent. 

My address information is incorrect and should only show XXXXXXXX XXXX XXXX XXXXXXXX Ohio XXXX any other address needs to be removed.
Product: Student loan

My original consolidated loan was {$42000.00}. In hard economic times as I fell behind in my payments I would get calls in the morning, afternoon, evening and even wee hours of the night from extremely rude individuals from the other side of the world. I was called a deadbeat ( imagine that with a XXXX accent. Against threat after threat of default and the devastation that would ensue I was convinced to defer ... defer ... ..defer. A move that would add outstanding interest into the loan amount and assault me at 8 %. My current loan balance is {$140000.00}. 
I wrote the executive level of Then Sallie Mae and I received a phone call from a woman ( her name escapes me ) who told me regarding the tripling of my loan in interest ( by the by, I am paying interest on interest, on interest at this point ) " XXXX, it 's like paying off a house mortgage. '' Baffled by her ignorance I replied, " Hence you get to XXXX me in interest for the rest of my life and I have nothing to sell to retire on ''. 
I entered the IBP program with the understanding that 10 in years ( as described by a Sallie Mae employee ) I would be eligible for " forgiveness '' : On a yearly basis I would call in to reapply for IBR and would reconfirm that I was a year closer to the ability to apply for " forgiveness ''. Last year, as I approached my 10th year of IBR, when I called in for the application for IBR I asked the associate how I start the forgiveness process. She confirmed that I was at the cusp of being able to apply and that she would send me the application and forms to fill out via email. 2 days went by now email. A week went by no email. I called back and again was told I would receive the forms via email. Once again, no email. 
After months of phone calls and finally reaching the office of the advocate ( who quite frankly only advocate for their CEO ) I was told, very rudely, that I was in a 25 year IBR program and basically I was an XXXX for not knowing that. 
I assume you can imagine my disdain for Sallie Mae, XXXX or any other predatory lending institution that hide behind legislation to interest XXXX American citizens with deceit and hard interest rates. 
Of course to add insult to injury, I earn slight too much annually to write off my interest paid on my annual taxes, the amount is a ridiculously low threshold for thse of us living in XXXX. 
Thank you for listening.
Product: Credit reporting

Experian placed back a Tax Lien which is not mine and was previously deleted as fraudulent. It 's associated with a fraudulent address in XXXX CA. This lien is NOT mine.
Product: Credit reporting or other personal consumer reports

Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY.

Also, I never gave the credit bureaus any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS.

As a consumer, I am demanding a deletion of the following accounts : XXXX. XXXX XXXX Account # XXXX Account status is incorrect. High credit limit incorrect. Date of last activity incorrect which means the account has been reaged. This is a violation. 
Please delete this from my consumer report XXXX. XXXX XXXX XXXX Account # XXXX Account status is incorrect. Date of last activity is incorrect which means the account has been reaged. This is a violation. 
Please delete this from my consumer report. 

XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX High Credit Limit is incorrect. Date of last activity is incorrect which means the account has been reaged. This is inaccurate information.

Please delete this from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

2 XXXX XXXX XXXX XXXX XXXX are being reported on my XXXX Credit Report, we are a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX NEVER GAVE THESE Innovis XXXX XXXX ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT!!!!! Innovis XXXX XXXX IS BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!
Product: Credit reporting or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

The inquires below are fraud and should be deleted. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

1st Franklin had a data breach and now all my personal information is at risk. My credit has been ran with the incorrect spelling of my name. I get bulk emails. My personal information has been compromised. 1st Franklin has higher than normal interest rates you will pay triple your loan. This company should be shut down they prey on people with not so good credit. I DEMAND 1ST FRANKLIN TO DELETE MY LOAN AND ALL INFO OUT OF THERE SYSTEM DUE TO DATA BREACH. FIRST FRANKLIN IS VIOLATING MY CONSUMER RIGHTS. PER MY CONTRACT SIGNED MY INFORMATION WOULD BE PROTECTED. BUT MY INFO IS CURRENTLY BEING USED.
Product: Credit reporting or other personal consumer reports

After a late payment without notice my account went to a charge off, a very small amount of {$450.00}. Once notified of this I paid it immediately and assumed it was a mistake. 

After providing proof to the lender XXXX XXXX, that my account was paid immeediately and had documentation to prove that I returned the vehicle correctly, this has cause a significant drop in my credit score. 

I had a near perfect credit score for 12 years and this small mistake on XXXX XXXX 's part has caused a significant impact to my score which has affected me while trying to purchase a house. 

This company could very easily just remove the charge off from my account and be done with the issue but it continues on.
Product: Debt collection

Subject : Follow-Up Complaint Regarding Privacy Concerns and Unresolved Issues ( Complaint ID : XXXX ) To Whom It May Concern, I am filing this follow-up complaint in reference to my original complaint, ID XXXX, which specifically addressed privacy concerns related to XXXX XXXX. I am deeply concerned that my initial complaint was closed without properly ensuring that the issues I raised were fully investigated and resolved. 

As stated in my original complaint, I have serious concerns about the unauthorized use of my personal information, including my Social Security number, by XXXX XXXX a company with which I have never conducted business. The Consumer Financial Protection Bureau closed my complaint without verifying whether these privacy concerns were addressed. 

Additionally, after reviewing the attached document from XXXX XXXX I now have further concerns. The document merely states an amount owed but provides no itemization or breakdown of how this debt was incurred. It fails to explain the origin or nature of the debt, leaving me without any clarity as to the legitimacy of this claim. 

I am requesting a thorough investigation into both my original privacy concerns and the lack of transparency regarding the debt mentioned in the document. I also request that the CFPB ensure that XXXX XXXX provides a detailed, itemized explanation of the debt they claim is owed. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure my concerns are appropriately addressed this time. 

Sincerely,
Product: Credit card

I called the company and talk to the one of the customer service representatives about charging excessive APR, he just told me that I was going to be charged each month and then did anything else!
Product: Credit reporting or other personal consumer reports

In my latest request to Equifax ( letter mailed on XX/XX/XXXX ) requested that Equifax validate and verify legitimate ownership by providing proof of a signed agreement and/or documentation that I was responsible for the account. Without providing ANY of the requested information they verified the account was mine. Additionally, I asked that Equifax explain what the process of verifying and validating these accounts and they refused to reply.
Product: Mortgage

I have tried different ways to find a final solution for my mortgage problem. I paid a company that promised me a modification, they stole my money and nothing was done. When an organization name XXXX came to XXXX XXXX, I slept outside the buildings to be XXXX of the first ones and find a solution to my mortgage problem. I have expended hours on the phone with Chase Bank and nothing have happened. I was trying to save my home, I filed for bankruptcy on XXXX 2010, 5 months later I was granted a modification that have turn to be a nightmare, I am attaching the documents so you can see what Chase Bank is doing to me. They added a so called " silent second mortgage '' in the amount of {$170000.00}, The amount of the principal plus this silent second mortgage is {$530000.00}. This amount is more than the amount of principal before bankruptcy.
Product: Vehicle loan or lease

On XX/XX/XXXX, I visited a car lot in search of a XXXX XXXX, I provided the salesperson with my Identification and Social security card while I looked at vehicles, he ran my credit. He told me I was approved for a XXXX XXXX XXXX for {$7500.00} down payment. Upon signing the agreement, I noticed that my name was not my correct name, it reflected my Middle name, I asked why, he said it was just to make sure that I was approved. Thats predatory, and not only predatory, I never gave permission for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX