23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My ballet school business ( I teach in schools ) was shut down by Covid, and still is due to the Delta variant. I was on forbearance. I was offered a modification payment of $ XXXXon XX/XX/2021. I was planning to accept but noticed it said my balance due of XXXX} was as much as the original loan of {$XXXX} XXXX  years ago. I have paid them {$XXXX} already. I asked for full payment history with balances from the beginning of the loan, including an explanation of {$XXXX} XXXX XXXX they invented, to show how this balance could be accurate. After months of calling, put on hold for XXXX minutes per time, messaging, emailing, texting, and sending a certified letter, I finally received only the last XXXX years payment history. They had previously charged me almost {XXXX} for a previous modification from XXXX to XXXX % They sent me a new loan modification with a higher payment of {$XXXX on XX/XX/2021, with a maturity date of XXXX. That would be XXXX years of paying them, plus another {XXXX, or {$XXXX} for my {XXXX} house. They will not send me the full payment history, no matter how many times I ask or who I talk to. I asked to resume payments in XXXX when my business is supposed to resume ; they speedily set it up for XX/XX/2021.
Product: Mortgage

during the time of all the disaster and covid-19 i was facing ahardship with financial, death in family, military service entry from XXXX to XXXX when i was XXXX XXXX due to serious XXXX XXXX, XXXX  issues and high medical bills that made my mortgage fall so far behind when i serve or aware of the foreclosure until i was in the house and XXXX sent XXXX to my property and place pad locks on the door included locks change, I tried to contact XXXX foreclosure department and didnt seem to get any responds back til 10 days later. So i was so emotional stress end up with a XXXX XXXX when i decided to apply for a loan modification got approve for only a week after i sent the payments in and never receive none of the payments back. i contact me a lawyer but couldnt afford one at the moment, i hire a realastate agency to listed my property for sale. as i listed it XXXX   wanted more money on the property more than its worth, so the buyer back away from the deal in buying the property and the realastate failed to submit documents to the banks so it expired the offer too. I have evidence of everything that occur with XXXX XXXX  and proof. Please i appreciate that you look into this matter or my attroney will take legal action.
Product: Debt collection

I am writing to you with a matter of utmost urgency regarding derogatory remarks associated with an account that I have never opened or authorized with your institution. It has come to my attention that entries on my credit report linked to XXXX XXXX reflect an identity theft incident, which is not only alarming but illegal. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, individuals have the right to dispute inaccurate information and request the removal of such entries from their credit reports. As I have never had any affiliation or account with your company, these derogatory remarks are unjust and must be rectified immediately. 
I require that you take immediate action to remove these entries from my credit report, as they are a result of fraud. Furthermore, I request that you provide every piece of evidence or identification that was used to validate the account in question. This includes, but is not limited to, the original account application, the name associated with the application, and any identification documents you may have on file. 
Identity theft is a serious crime, and the presence of these erroneous remarks is severely damaging to my creditworthiness and financial future. I implore you to treat this matter with the seriousness it deserves and take swift action to address my request. 
Thank you for your immediate attention to this matter. I look forward to your prompt response confirming that the derogatory remarks will be removed and that my request for evidence has been initiated.
Product: Mortgage

On XX/XX/XXXX I learned there may be a problem with my Mortgage serviced by Ocwen Loan Servicing. On XX/XX/XXXX Ocwen unnecessarily and incorrectly increased my Escrow payment due each month. Inexplicably, they backdated the change to XX/XX/XXXX. I have n't missed a payment. Even though Ocwen 's records reflect receipt of all my payments on time, this " glitch '' in payment history has caused a {$2100.00} Past Due balance. This is nearly 3 months payments, so I am now facing Acceleration. I am being charged late fees, Property Valuation fees and Certified mail for Default Notices. 
After Escrow analysis, my payment has actually gone down. It would also appear they owe me an Escrow Refund of approximately {$900.00}. The payment was too high for the past 2 years and never needed to be increased at all. 
Ocwen is not making any progress in correction of this issue. I have a " Relationship Manager '', however, I can only make appointments to be called. I had an appointment to be called on XX/XX/XXXX and was called to reschedule. My Relationship Manager was unavailable. The reset appointment was for XX/XX/XXXX and no one called at all. After waiting an hour I called to be given another appointment for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX Credit Bureau : XXXX   XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX  on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or XXXX   who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Debt or credit management

On the XXXX of XX/XX/year>, I had called the PNC customer service XXXX on the back of my debt card and asked why is my personal checking account overdrawn - {$120.00}. When I explained to the PNC Representative over the phone on XX/XX/year> I was told that my account was overdrawn because XXXX got their money XX/XX/year>. When I had noticed previously on XX/XX/year> that my account was basically at XXXX. The way the representative explained it was the fact that PNC sometimes have trouble with the merchant also known as XXXX and sometimes the merchant would not accept the funds and the funds go back into the customer 's bank account according representative at PNC over the phone told me on XX/XX/year>, and then the merchant might try to get more money out at another date. What I do not understand is this, how do PNC claim that I did not have the necessary amount of money in my account at which PNC but still got my order from XXXX. Then if I did not have the proper amount in my account then how did my XXXX order go thru when the bank card is debt and when its a debt card you can only use the funds that are available. 
I do not think its the customers fault when PNC should have known a ) my debt card is meant for the purchases I can make only using my debt card with amount of money in my account b ) again how do I overdraw over {$100.00} when prior I could not even overdraw XXXX or XXXX and the transactions would be declined. After speaking with the representative over the phone the representative states that it's on me to pay back the negative balance Again, if I did not have the money to order the XXXX why was my purchase not declined. Even the representative stated that even with the XXXX order that my account should have been two to three dollars left into my account so how is I am overdrawn with {$120.00} at PNC Bank?
Product: Credit reporting or other personal consumer reports

Bankruptcy records are not accurate and can not be verified. Delete this fraudulent bankruptcy record, as I have disputed the accuracy numerous times, yet it remains on my Experian and XXXX credit reports. If accuracy is the main purpose of you so called bureaus, Then fall in line with XXXX and their thorough investigation that lead to deletion of said bankruptcy public record. Also, a violation of privacy, defamation to my credit stance. I was able to get approved for housing this time last year. Currently, my credit score is super low due the inaccuracy of XXXX and Experians ability to conduct proper investigations. I am not requesting any more investigations as they dont work to resolve inaccuracy issues and concerns. Please delete this XXXX.
Product: Vehicle loan or lease

I Was Effected By Covid 19. I Lost My Job. Now I Have All These Late Payments On My Credit Report And Id Like Them Removed.
Product: Mortgage

Took out a home equity loan with XXXX, later became Greentree XXXX and is now Ditech. I did not know it was going to be fully due in XXXX of 2014. I thought it was a typical 10 year draw with a 20 year payback. I did not have the {$68000.00} due. I rushed to refinance and was ready to close. They pulled the credit report and Grentree marked it as late. I tried several times for an extension of terms so I could remove the negative from the credit report but they refused. We asked them to remove the negative so we could close and get them their money. They refused. I have been paying them $ XXXX since then and they have taken no action. Just tried again to refinance to pay them off but was denied by XXXX XXXX because Ditech did not return their call for more information to possibly close.
Product: Debt or credit management

I have a marketplace insurance. I called my insurance and the dermatologist and both parties confirmed they accepted my insurance for a {$30.00} Co-pay. 

On XX/XX/2023 I had an appointment, paid a {$30.00} co-pay. 

In XX/XX/2023 I had a XXXX appointment. Paid a {$30.00} co-pay. 

In XXXX ( after my XXXX  appointment ), I was sent a letter saying I owed hundreds of dollars and no clear explanation. Deductible? Denial?? I moved, so I actually didn't get this letter, but I have an online record saying it was first sent XX/XX/2023. 

I would never have made a XXXX appointment with this provider had I known I'd get charged hundreds of dollars. I should've, at minimum, been informed after the first visit. I have been getting calls about these bills from Gulf Coast Collections. 

It was from XXXX XXXX in XXXX FL
Product: Credit reporting or other personal consumer reports

My initial awareness of unauthorized inquiries on my credit report became known to me as I ran across a headline on my XXXXXXXX XXXX feed where another data breach had occured. Taking that event into consideration, I went about checking on my credit to see if there was any errors that was unbeknowst to me during that time. Upon doing so, I had noticed there were several inquiries that I had no knowledge of nor had given each of those financial institutions any permission to pull my credit at any point in my life so far. With this information in hand, I sent out a letter by certified mail to Equifax on XX/XX/year> in which I stated that there were erroneous inquiries on my credit report that did not have permissable permission from me to exist on my credit report. Additionally, I requested that those listed inquiries be investigated and removed due to them being unauthorized by me. ( please see attached letter that was sent ). I patiently waited 30 days per FCRA rules for a response and never received one. In the month of XXXX ( last month ), I checked my credit report then to see if during the updating of my credit report phase had occured, had there been any changes/removals of the unauthorized inquiries to which I discovered there nothing had been removed but instead, I discovered 2 new hard inquiries that are listed/titled as " XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX There has been more than 30 days since initiating communication with Equifax via certified mail of my complaints during the month of XXXX and yet those inquiries had not been addressed or answered to per FCRA rules. Due to nothing having changed to the date of this complaint 's writing, I'm consistently being negatively affected by these errors lieu of the credit reporting entries against me. Additionally, theres a repeat of offense in yet another unauthorized credit inquiry being placed on my credit report. This discovery happened on XX/XX/year> as I scrolled through my XXXX account and noticed that a financial institution had put a new hard inquiry titled " XXXXXXXX XXXX  '' on my Equifax credit report. Conclusively, Equifax has failed to execute their responsibilities of adherence to consumer law and FCRA policy to which their governed and are committing civil liability for each violation.
Product: Prepaid card

Refusing to cash check. 

Certegy reason XXXX Can not find clarification on the issue non existent. No way to correct this.
Product: Debt collection

15 USC 1681 Privacy is a part of Law, and they Violated that
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you 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 items 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 alleged fraud or extortion. 
Please delete the following items for they are fraudulent and still keeps existing in my file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance XXXX {$790.00} XXXXXXXX XXXX XXXX Balance : {$28000.00}
Product: Bank account or service

I have submitted this claim previously : " I have a checking account and a savings account with Chase. I am a XXXX resident, I am a resident and citizen of XXXX. I stay in USA XXXX with my relatives and use their address as mailing address, but my permanent address is in XXXX. I submitted form XXXX stating that when I opened my accounts and Chase confirmed that they have this form in their system. However Chase withdrew about {$120.00} from both my accounts in 2015 as " Federal Interest Withheld '' although they were not supposed to do that because of my foreign status. According to IRS publication about foreign individuals ( http : //www.irs.gov/Individuals/International-Taxpayers/Income-Subject-to-NRA-Withholding ) " bank deposit interest that is not effectively connected with the conduct of a U.S. trade or business '' are not subjest for tax withholding. They are supposed to refund this fee when requested by the customer. However I contacted customer service and the branch office several times and they were only sending me back and forth without any real help. Please help me to refund this fee. " The bank responded that I have to submit a new version of XXXX form in order to proceed with refund. I have submitted it more than a month ago, however fees are still not refunded and bank is not responding to my inquries. I have attached a new signed form XXXX to this claim again.
Product: Student loan

Between XXXX/XXXX/XXXX and XXXX XXXX, I had several conversations with AES reps. On at least XXXX occasions, I was told by the reps not to worry if I went over 30 days late on my payments, since they were n't reporting until 60 days late. 

I am requesting the voice recordings for the period mentioned above be reviewed by a consumer advocate to confirm what I 'm saying is truthful, and I am motioning the removal of the 30 day late payment adverse credit reporting of XXXX XXXX be removed from my credit report. 

AES needs to take accountability for their statements to their clients. 

I had another similar experience with another lender, and CFPB had their consumer advocate review the lenders recording confirming my statements to have been true, thus reversing the negative credit reporting. 

As an XXXX, I have the public stake their lives on my integrity and the quality of my work. My co-signer is my brother, who is a XXXX, who puts his life in harms way to save others. 

All I 'm asking is for the basic decency and integrity from the lender, as to stand behind what their reps tell their borrowers, and take responsibility when they make a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my annual Experian credit score using XXXX and received the message that " A condition exists that prevents Experian from providing you free annual credit report at this time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Subject : Disputing Information in and on my Credit Report, Hard Inquiries I am writing to dispute the following information in my file, 10 hard inquiries. 
I was car shopping the last week of XX/XX/XXXX and all of these hard inquiries were put on my credit. 

I did not authorize or even know all of these hard inquiries were put on my credit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all 3 are listed twice on my credit report. My name is XXXX XXXX XXXX - XX/XX/XXXX - last 6 of my social sec XXXX XXXX my cell XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called the dealerships last week and they told me, they call check with multiple financing agencies to get a better interest rate for their customers. I had no idea, they did or do this. But with each hard inquiry that is 3-5 points off my credit score times 10 inquiries = 30 to 50 points lowering my credit score. The below addresses is 10 financing agencies they called or ran my credit with for financing. 

To my knowledge, I never signed any documents authorizing these car financing organizations to view my credit history. Therefore, I think these hard inquiries into my credit report violate the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

I am requesting to have all 10 hard inquiries to be REMOVED or DELETED OFF my credit report from XXXX, XXXX and Transunion credit agencies. The 2nd page attached is 10 financing agencies they called or ran my credit with for car financing. Next car I buy, I will set up financing thru my bank, so this will never happen again. 

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 Please investigate this matter and DELETE OR REMOVE these 10 hard inquiries off my credit from XXXX, XXXX and Transunion credit agencies. 
As soon as possible, BELOW full addresses. 

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 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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX Account  Number : XXXX 2. XXXX XXXX XXXX - Account Number : XXXX 3. XXXX : Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt or credit management

In XXXX, XXXX, XXXX. I XXXX XXXX XXXX has been hired at XXXX as a crew member Job Opportunity at XXXX XXXX located in XXXX, XXXX. Upon of getting hired of doing my orientation, The Hiring Manager informed me that since it will be my first Job opportunity in my age, The hiring manager informed me I will need to bring two proof of identification on my orientation day! for work. I told my boss okay ; boss I will be bringing it on orientation day of signing my important documents and all etc. Now orientation has been finished so upon catching the city XXXX bus transportation I XXXX XXXX XXXX fell asleep while TheBus was in operating motion, I had missed my stop and told The bus driver stop! I ran out the back door I noticed I turned back it dropped in the bus! I didnt know that it is very important to report my identity and my social card once I loose my personal identities which I have already reported to all important law offices. PLEASS DISPUTE EVERYTHING BACK IN XXXX and to XX/XX/XXXX. If you have Any questions or concerns to ask me feel free to email me or calls, faster response through email thank you
Product: Credit reporting or other personal consumer reports

I am not liable for this debt XXXX XXXX XXXX BANK XXXX XXXX XXXX, I do not have a contract with PORTFOLIO RECOVERY, they did not provide me with the contract as I requsted.