23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in the process of applying for a modification or repayment plan with the servicer at the time, XXXX XXXX I was approved but my trial payment was set to begin on XX/XX/XXXX. I could not accept the offer bc I was under a stay at home order and unable to go pick up my mail & find a notary, at that time the State of emergency was at its height. I also could not accept bc I lost my job in XXXX due to COVID 19. I appealed the decision and also applied for COVID forbearance. Making that my second request and notification to the lender that I was affected by COVID. 
While in the middle of that process, I was given until XX/XX/XXXX to sending additional documents, my loan was transferred to XXXX XXXX. 
I received a notice from XXXX, A Notice of Default & Intent to Accelerate. I immediately contacted XXXX XXXX. A XXXX representative & advised him that I was unable to pay as a result of COVID. I was told not to worry that I was in a COVID forbearance & there was a halt on foreclosures. Then I started to receive letters from an attorney representing the servicer, threatening me w foreclosure. I kept getting letters & when I would call I was told not to worry. 
In XX/XX/XXXX I was offered a trial modification by XXXX, but I advised them that my place of employment was still closed, I was having difficulty with my unemployment benefits, as our State EDD office was overwhelmed and that based on my current financial situation I needed to stay on a forbearance. 
I contacted XXXX XXXX in XX/XX/XXXX and was told that I needed to call back AFTER my forbearance ended to discuss a workout option. I was receiving letters still & I started panicking. I sent in a WRITTEN request for the status of my forbearance, and to explain a letter I received in XXXX saying that XXXX no longer serviced my mortgage and had only serviced until XX/XX/XXXX. I was told someone would contact and they did not. I called again on XX/XX/XXXX and was told that I was in foreclosure, there was no record pf COVID request for help and that it was likely bc the previous servicer did not complete the process. All this is so confusing and inconsistent with what I had been told before. I was told that my loan was transferring AGAIN in the middle of my assistance request and I was no longer eligible for any COVID relief because it was too late. Most upsetting is that the servicer, XXXX, XXXX New Rez and Shellpoint are all subsidiaries or have joint ownership at some point or in some way and that my COVID requests were ignored and blamed on the previous servicer. I am attaching a serious of letters that I believe highlight how negligently my loan has been handled & this has made it impossible to obtain assistance. Constant run around. XXXX sent me letter XX/XX/XXXX that my loan was transferred to XXXX on XX/XX/XXXX. XXXX also sent me a letter XX/XX/XXXX that my loan was transferred to NEW REZ on XXXXThen a letter from an attorney on XXXX naming XXXX as the servicer. No wonder no one has my COVID request & my requests have been lost in service transfers & errors by the servicers.
Product: Debt collection

MY INFORMATION WAS SOLD TO I XXXX XXXX XXXX DEBT COLLECTION. THIS COMPANY IS NOW REPORTING FALSE BALANCE OWED OF {$980.00} ON MY CREDIT REPORT DUE TO IDENTITY THEFT, I DO NOT HAVE CONTRACT WITH THIS COMPANY NEVER GAVE MY INFORMATION OR DOCUMENTS TO COMPANY
Product: Checking or savings account

SoFi financial is not allowing me to wire my funds to a title company for a refinance. I need the refinance done and now I have to get another bank because theyre refusing to wire money to a title company. They said it can only be done for home purchases. This makes no sense and there is no real recourse other than to get an entirely new bank and have my money sent elsewhere. I feel like theyre tying up my money. Ive seen others say this is a problem over a year ago. This needs to be addressed. I filed a complaint but all they said was sorry. I have money but cant pay my bills or do what I need to do with it.
Product: Credit reporting or other personal consumer reports

Lexisnexis is refusing to delete the accounts off my credit report and from their files. XXXX, XXXX, and XXXX are not doing a proper investigation and are accepting a stall letter. Per the FCRA I'm entitled to {$1000.00} per violation which equals {$3000.00} per bureau which should be enforced. Each company has a history of failure to do proper investigations and must be held accountable.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAUS FAILED TO UPDATE INFORMATION ON COLLECTIONS ACCOUNTS THAT SHOWS INCORRECT ON ALL 3 CREDIT BUREAUS, THE FOLLOWING ACCOUNTS HAS BEEN DISPUTED OVER 5 MONTHS AND STILL HAS NOT BEEN UPDATED XXXX, XXXX AND EQUIFAX ARE ILLEGALLY REPORTING INACCURATE AND FALSE INFORMATION.THIS ALLEGED COLLECTIONS ARE REPORTING OPEN WITH A PAST DUE BALANCE. THIS IS A VIOLATION OF REQUISITE OF XXXX XXXX COMPLIANT REPORTING STANDARDS IT'S BEEN MORE THAN 5 MONTHS AND THEY HAVE NOT DONE NOTHING AS FAR AS UPDATING THE STATUS OF THE COLLECTIONS. 

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: Consumer Loan

I am not even 30 days late on my payment and Tower Loan called and left me a message was at work so I could n't get the call so Tower Loan XXXX XXXX Ms called my reference and told them that they were calling from Tower Loan and for me to return their call.
Product: Debt collection

My identity was apparently used fraudulently to obtain services and credit that I did not have knowledge of or authorize. I have not been contacted ever to apply for credit, authorize credit or discuss the credit by the company, bank or load provider or collections agency. Additionally, the only inquiry to my credit reports has been by collections agencies. The original vendors never made inquiry before granting fraudulent credit in my name. Yet, without any knowledge of these transactions or involvement with obtaining credit, the collections agencies add collections status to my report without contacting me in any fashion. Furthermore, the original collection agency was XXXX XXXX XXXX in XXXX. I disputed this in XXXX with XXXX It was removed. Now, another agency, MRS XXXX, is claiming the same debt ( same amount and same original creditor ) and will not remove the claim. I thought this practice was illegal. I want this to be removed once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$83000.00} ; XXXX SELF-REPORTED XXXX Balance : {$1.00} ; XXXX  SELF-REPORTED XXXX Balance : {$54.00} ; XXXX SELF-REPORTED XXXX Balance : {$300.00} ; XXXX SELF-REPORTED XXXX Balance : {$83.00} ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I used my Citibank XXXX XXXX XXXX to purchase new XXXX XXXX for myself and my wife. I received no fraud alert during the purchase. However, upon attempting to activate said card for mobile payments I was told that this was a fraudulent request. They told me that they would be unable to verify my identity because I did not have other Citibank accounts, and that unless I was willing to open new Citibank accounts I would not be able to use my card as I intend. 

What bothers me is that no fraud alert was issued when I used their card to spend over {$2000.00} - but that attempting to register the card on a separate device ( that may charge a lower " swipe-fee '' than they are able to charge on their own ) triggered the alert. Additionally, their only method of verifying identity is having additional accounts with their bank.
Product: Mortgage

I called Fay Servicing , LLC. who is my Mortgage Company. Due to the current state of the Covid-19 virus, and since I'm in XX/XX/XXXX in XXXX Pa and all non-life Essential business are closed, I asked that they please defer my mortgage account for a few months until things picked up for me. I am current with my payments. They said they couldn't help me. This is absurd. My sister in-law works for a XXXX XXXX and they are deferring customers due to this crisis. I think this is XXXX. that they can't help me out during this crisis.
Product: Money transfers

On XXXX XXXX, 2015 I received {$11.00} for XXXX for making several online purchases. 
On XXXX XXXX, I requested that PayPal transfer {$11.00} in my PayPal acct to my XXXX XXXX Checking acct. 
PayPal states that the money will be sent in XXXX5 business days. 
As of the date of this complaint, no money has been transferred into my XXXX XXXX Checking acct. 
Paypal email address is XXXXXXXXXXXX
Product: Vehicle loan or lease

At the end of my lease ( first car ever ) with Ford Motor Credit company I had excessive mileage on my car. I had the car for 3 years during which every single payment was paid on time. The amount that was supposed to be paid was {$2500.00}. At the end of XX/XX/2020 I received letter from FMC with an offer to settle the account if payment of {$1500.00} will be send during 10 days. Unfortunately because of some personal and financial issues I was unable to send payment until XXXX. Payment of {$1500.00} was sent via mail, but I never got any confirmation that payment was received by FMC. Couple weeks later I received letter from collectors company which stated that I still owe {$1000.00} + $ XXXXfees= {$1200.00}. So right now I have delinquency on my credit account which negatively affected my credit score. I called FMC and talked to one of the managers. I explained that it was my first car ever, that I always paid on time during 3 years. Also explained that COVID had a huge financial impact on my family and myself. I was the only one working in my family. In addition to that my father was on the edge from passing away after he had XXXX XXXX  ( XXXX XXXX XXXX, which completely shifted my focus away from anything else and made my financial situation even worse. Unfortunately, manager refused to help me to remove delinquency from my account. I did pay the remaining of the balance of {$1200.00} just to clear everything out. So right now I don't owe anything to FMC. Just trying to fix my credit score.
Product: Debt collection

I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or APPLE CARD/GS BANK USA XXXX a customer service representative. Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
Product: Debt collection

We received the first letter of payment owed on the disposition fee of a returned lease vehicle on XX/XX/XXXX by mail. They started harassing phone calls on XX/XX/XXXX. So they only allowed 15 days to pay a bill and then started calling work, cell and home, twice a day. I told them I would pay the bill as I always have and that we have NEVER been late. They continued to call everyday, multiple times a day. 
When I tried to explain that I think they are being a little aggressive for a customer that has 2 leased cars with them, has never been late and who just received the invoice, they didn't care and basically accused me of not wanting to pay. 
Rest assured the 2nd leased vehicle WILL definitely be turned back in and we WILL NEVER lease with XXXX or Toyota again!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened in 2013. It was paid and closed. It recently showed up on my credit reports. After all these years as closed and a bad debt charge off. Not true. Plus its been over 7 years and needs to be removed completely from my reports. Ive asked for investigations and XXXX  removed it from my report. The others did not. Please review and remove this completely from all credit bureaus. 
Thank You
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX oXXXX XXXX EQUIFAX verified and an validated this XXXX XXXX XXXX account XXXX after reinvestigation. EQUIFAX failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates usc 1681 c-1 c-2, and 1681 I. Furthermore This account after reinvestigation is still reporting inaccuracies which I provided proof of these fraudulent inaccuracies. There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit. There willfully non compliance demands deletion of this fraudulent account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected comsumer rights to privacy and confidentiality under the law 15USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX BANK account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights According to 15 U.S.C 1681 ( a ) ( 4 } : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also 15 U.S.C 1681b ( a ) ( 2 ) : In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

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. 

I did not give written consent for my report to be shared, also I didnt authorize these accounts on my consumer report. I have since filed a Identity theft with the Federal Trade Commission concerning these accounts.
Product: Credit reporting or other personal consumer reports

I have numerous letters regard the account being closed and never late based on law *FCRA Section 602 15 USCS 1666b a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from m credit report
Product: Checking or savings account

On XXXX XXXXXX/XX/year> I deposited {$XXXX} CASH into the ATM at the TD bank at XXXX XXXX XXXX XXXXXXXX XXXX at XXXX XXXX. The receipt states " We are unable to provide the details of your deposit at this time. '' I have reached out multiple times to resolve this issue. I was told the money would be in my account in XXXX business days. Today XX/XX/year> a supervisor told me they do not know when I will get my money. I am currently unemployed and need that money returned to me as soon as possible. The reference number they gave me is XXXX.
Product: Vehicle loan or lease

This loan was paid in full as of XX/XX/XXXX following a total loss insurance payment. During the insurance process was advised by credit acceptance that account status referred to insurance department and account would be on hold. Credit acceptance received this payment prior to XX/XX/XXXX and yet proceeded to report the account as delinquent and open. The current reported balance, status, and payment history have all been inaccurately reported. We brought this to their attention and were advised to file a dispute with the reporting bureaus which has been done. These reporting actions directly violate the FCRA and show a willful and malicious reporting behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXXXXXX XXXX and Comenity Capital/XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$690.00}. The Account Opened is Comenity CapitalXXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Payday loan, title loan, or personal loan

I received a call from Aspen stating I opened an account and did not pay. After speaking with this company I realized they allowed an account to be opened in my name without verifying income or that the person opening account was me by requesting ID or banking info ... They deposited XXXX into an account at a bank that I do not bank at. 
This company is not verifying to make sure consumers that are opening accounts are legitimate and putting incontinent consumers at risk for identity fraud.. This company would not even tell me what measures they took to verify employment, personal information and bank account on this loan The loan opened under my name of XXXX XXXX is loan no XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT ON THE REPORT IS AN ACCOUNT THAT HAS BEEN PAID IN A SETTLEMENT AGREED BETWEEN ME AND THE COMPANY. SINCE THE ACCOUNT HAS BEEN CLOSED AND SETTLED, I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF MY CREDIT FILE. IT HAS BEEN TARNISHING MY CREDIT AND I AM IN DISTRESSED THAT IT HAS BEEN HOLDING ME BACK FROM ACQUIRING NEW CREDIT. PLEASE HONOR MY REQUEST AND HAVE THIS ACCOUNT REMOVED OF THE CREDIT.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX The following personal information is incorrect
Product: Credit reporting or other personal consumer reports

First, this report may be miscategorized because the options available to select don't contain the issue I'm reporting. My issue is with Equifax 's The Work Number and the Employment Data Report that they may or may not have on file for me. I was unable to create an account and determine what information was contained in my file. It seems like they have an alternative process for requesting via email or regular mail that involves downloading and filling out a long form, but in XXXX, this just seems unreasonable. I find it hard to believe that they can't just allow a consumer to create an account easily and show them their Employment Data Report as they do every day with credit reports. So, that's my complaint. Equifax is making it unreasonably difficult to access Employment Data Reports through their The Work Number site at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the following hard inquiries that I did not authorize XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the student loan debt removed from my credit report
Product: Debt collection

I called XXXX XXXX on XX/XX/XXXX at around XXXX EST ( on a recorded line ) I spoke with a representative about paying a settlement amount of {$2500.00}. She then sent me to a " senior management. '' I explained the situation to her and she said she would talk to the creditor about the {$2500.00} amount. When she came back on the line, she then said she asked them for {$2700.00}. When explaining to her that's now we discussed and why she told them a different amount than what I told her she got upset with me and told me that they were in charge and she would put the derogatory marks of not paying back on my credit for 7 years. This debt was issued in XX/XX/XXXX and now she's telling me that she would restart the clock if I didn't pay the additional {$200.00}. When I asked for her name and to speak to a manager she told me she wasn't transferring me to anyone else and if I didn't pay in 24hrs she would put it on my credit record and I won't be able to do anything about it. When I kept asking she then hung upon me. I've tried calling back over 10 times to speak to someone about this and my phone number is not going through. I did call from my other number and it did go through then they hung up on me and I can't call them anymore.
Product: Debt collection

This started in XX/XX/2020. I monitor my credit report and a negative collection showed up. It was for XXXX dollars. I have called many times to the collection company and I was told to call the original debtor. I have never received a bill or a notice that I owe this and could dispute this. However I did dispute through the credit bureau. The dispute was ended by the collection agency somehow. To this day neither have validated the debt. I have also called the original debtor and have not received anything to prove the debt