23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I feel I am the victim of credit discrimination by HomeBridge FinancialServices doing business as Real Estate Mortgage Network. Theiraddress is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. 
The contact information of the account executive is XXXX. 
I applied for a home mortgage with this company and received a loancommitment from them on XX/XX/XXXX. I am a single divorced womanreceiving child support from my ex husband under a XXXX divorcedecree which provides for monthly child support which, under XXXXlaw, is to continue until my youngest child is XXXX. Currently my youngestchild is XXXX years old so the child support will continue until XX/XX/XXXX. 
Item XXXX of the commitment listing conditions for underwriting states '' Provide continuance of child support payments, such as the childrenfor whom support is being paid or the duration. '' I have provided thisinformation to the lender. Nevertheless, the lender has refused toapprove this loan because it will not consider the child supportpayments despite the divorce decree and citation to the XXXXstatute which describes the duration of the child support obligationas being until the youngest child reaches age XXXX ( with certain exceptionsnot applicable here ). I now risk losing the house that I was scheduled toclose on last week and if I need to move out of my current rental Iwill not have a place to live. I feel that this action by the lender violatesthe Equal Credit Opportunity Act ( Regulation B section 102.6 ( b ) ( 5 ) andalso constitutes discrimination on the basis of sex and marital statuswhich is prohibited under XXXX law ( where I now reside ). XXXX. 
General Statutes section XXXX. I should also point out that myex-husband has been paying me child support on a regular basis, inaccordance with the court order, for the past 6 years. He is an XXXX XXXXveteran and currently a XXXX employee who has a secure income. Thelender asked me for 6 months proof of timely child support paymentswhich I provided. If this lender is doing this to me, I fearthat other divorced women receiving child support might bebeing treated in a similar way. If you can get the lender to quicklychange their position, I can still close on the house I wish to purchasefor myself and my children. 
I also want to point out that on XX/XX/XXXX I received a revised list ofitems required to close the loan and there is nothing on that listthat refers to child support documentation.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/2020 at around XXXX XXXX  ( XXXX ), I attempted to link my PNC account to my XXXX account for the 5th time. The service, XXXX, used to connect them said that PNC blocked the action from happening. After phone calls with PNC, still nothing has changed.
Product: Mortgage

I live in an area that was a federally declared disaster area because of hurricane Irma. After the hurricane, my mortgage company told me that I could defer payment of the mortgage for 3 months ( until XX/XX/XXXX ) since I was recovering from the hurricane and that the deferred payments would be placed at the back of my loan. At the end of the 3 months, when I contacted the mortgage company, they told me that the program was extended for an additional 3 months ( until XX/XX/XXXX ). In XXXX XXXX, I was told that the loan would be modified and the deferred payments would be placed at the back of the loan. I contacted the mortgage company in XXXX to find out what the process was for modification ; I was told to send in multiple documents which I did. After submitting all the required documentation, I checked the status of my modification online every day for the next month. I called on numerous occasions to inquire about the status of the modification and to inquire about the payment. I was told that they were working on the modification. I was told not to send in a payment for XXXX because it would be rolled up into the modification. In XXXX, I was told that my modification was denied because the payment would go up from approximately $ XXXX to approximately $ XXXX and that they were not allowed to modify a payment if it increased the payment. I was then told that I could get on a payment plan that would require me to pay approximately $ XXXX for 6 months which could be extended another 6 months until my account was current, but that the denial was not complete and that they were still working on the modification. I received an email notification that there was a new document on the loan and when I logged into the website, I saw that there was a modification denial letter. I called back the mortgage company to inquire about the payment plan again since the modification had been completely denied and I was told that I am not eligible for the payment plan any longer because they had sent out a demand letter for the total monies past due on the loan which is {$16000.00} within 30 days. I told that mortgage company that I do not have the money and I would not have it within 30 days. I asked what would happen if I didn't pay it in the 30 days and the mortgage company told me that they would foreclose the very next day and sell my house. I can not lose my house because I am a single mother and I am caring for my sick mother who is on XXXX. I really need help.
Product: Debt collection

HELLO. I PAID A COLLECTION ACCOUNT THAT WAS TURNED OVER TO MUD SOUTH ADJUSTMENT XXXX XXXX, AR XXXX PH ( XXXX ) XXXX FOR A MEDICAL BILL FROM ARKANSAS XXXX HERE IN XXXX XXXX XXXX, AR IN THE AMOUNT OF {$160.00}. IT WAS RECENTLY PAID IN FULL. THE FILE NUMBER IS XXXX ON XXXX XXXX. THIS ACCOUNT IS PAID IN FULL AND CLOSED. THERE SHOULD BE NO REASON WHY IT SHOULD'NT BE REMOVED FRO, MY CREDIT REPORT. IT ISN'T BENEFITING ME AND I AM ASKING FOR A GOOD WILL DELETION. I'VE ALREADY CONTACTED THE COLLECTION AGENCY AND THIS IS RIDICULOUS. THEY HAVE NO VALID REASON WHY THIS PAID COLLECTION CAN NOT BE REMOVED. I NEED THIS TAKEN CARE OF IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I sent over a letter to the 3 credit bureaus of several accounts that were reported fraudulently and must be removed from my report. Credit bureaus has not responded at all.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Product: Student loan

I applied for forbearance for financial hardship. I was approved for 3 months, but only not charged for 2 months. I tried several times to dispute the third month of forbearance being autobilled and got the runaround. Several months later I tried to apply for forbearance and was denied based on reason I haven't had 12 months of consecutive payments. After 12 months of consecutive payments I applied again. I spoke at length with agent who told me medical bills over {$500.00} will help prove financial hardship, and providing something to show loss of income. I sent recent medical bills over {$500.00} in last 2 mths, unemployment benefits discontinuation letter, and explained I am waiting on insurance credentialing to start working in my new position. XXXX denied forbearance again. I called to get an explanation, and got the run around once again. They did tell me I have 7 months of forbearance allowed on my loan, but thus far I have only used XXXX mths.
Product: Debt collection

After a repo, the lawyers doing collectios for the car company coerced me into signing a very vague Entry of Judgement by Stipulation by threatening to garnish our wages and which didn't disclose rates, or other important credit info. After 5 years of payments, ( {$150.00} a month ) I tried to contact them because I needed an extension of time due to being laid off. Instead they refused to talk, and then sent a letter of default which I never received. They immediately filed the entry of judgement by stipulation and assessed an additional XXXX to the account without even telling me this had been done or more importantly how it was done, or even explaining my rights. When we were notified of the judgement, we called and asked what we needed to do, and they asked for {$1000.00} in order to bring the amount current, and provided no disclosures of the extension of the term, additional charges, etc. When we asked for documentation to figure out when would this payment plan be done, the company repeatedly failed to comply on explanations of fees, checked our credit again, removed notes from credit report, and made not attempt to adjust the balance, that had been inflated by the filing of the judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my idenity was compromised while serving in the United States Military. The following student loan account were fraudulently opened in my name and are reporting as closed accounts on my Experian credit file. I am requesting that the items below be removed from my credit report. 

1. The XXXX / XXXX -> Account # XXXX 2. XXXX XXXX XXXX Account # XXXX 3. US Dept Of ED / XXXX Account # XXXX
Product: Debt collection

I am un aware of this debt I didn't have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my signature on it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered that my personal information was part of the recent hack ( XXXX-XXXX 2017 ) on Equifax 's servers. 

I have contacted all three credit reporting agencies to place both a freeze and a fraud report on my accounts. 

It troubles me that I had to pay for the freezes to be placed on the accounts, given that Equifax does NOT have the greatest reputation concerning its training and security. The inappropriate use of my data should fall squarely on the shoulders of Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : XXXX XXXX  XXXX XXXX : {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Bankruptcy XXXX XXXX US BKPT CT XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Prepaid card

My name is XXXX XXXX. I want to know how XXXX is gon na pay me for locking me out of my unemployment benefits and making me go through XXXX verifying and reverifying numerous times my identity over XXXX XXXX. I was homeless and it was cold and they wouldn't help. I went to the bank no help they didn't handle that, they said. I called unemployment and they told me a lot of people were having this problem. I read an article that week about what they were doing to people, took article advice and filed a complaint. My address and email have changed and I refuse to use US Bank because they are thieves. I have my same bank but the unemployment went to the US bank card which I got rid of when my benefits ended. I feel they should have to pay me. They made XXXX cold, lonely, homeless and broke quite miserable. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent all XXXX bureaus a letter requesting validation on the stated accounts but never received a reply from them. 

PLEASE REMOVE ALL ADDRESS, NAMES, AND SOCIAL SECURITY NUMBERS THAT DOES NOT MATCH MY ID AND SOCIAL SECURITY CARD Please REMOVE ALL NOTICES from my Credit Report, as they are ALL Incorrect DO NOT put any FRAUD ALERTS on my Credit Report PLEASE REMOVE ALL OF THE LISTED INQUIRIES FROM MY CREDIT FILE RE : Compliance and Procedures To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # ___________________ACCOUNT BALANCE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I would like to file a formal complaint against the credit card issuer Synchrony. I am XXXX years old and had an XXXX. I could n't work and fell a little behind, not even 30 days on my care credit and j.c. Penney accounts I hav still been sending in money and they hav been calling me harrassing me early in the morning late at night XXXX, Sunday morning and sometimes 5 or 6 times a day I am now catching up on the payments and I am the one that has to pay their terrible late and over refit limit payments, not them so I think it is total harrassment to call me a zillion XXXX a day I so loved hearing that phone ring constantly when I was as sick as a dog. I am ripping up these cards and paying them off, they 've by far the worst credit card company I hav ever dealt with. Than you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion five dispute letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. All of the dispute letters were sent by certified mail. In response to these disputes Transunion failed to verify incorrect accounts on my credit report or even respond to dispute requests. Also, Transunion has violated CFPB laws stated in documentation not being able to verify with " so called '' creditors on credit report.
Product: Debt collection

I received an Email and then a phone call from XXXX XXXX XXXX indicating that I owe {$890.00} for a XXXX XXXX XXXX account XXXX an account I've never had, much less any bill in that amount. 

I know which credit cards I had and which bank account I had, neither of which belonged to the above-mentioned bank or credit card. 

At XXXX point, I recall getting a notice regarding Indigo a few years ago. It was indicating I owed monies. I responded informing them it wasn't mine and to please stop contacting me. I also put this same response on my credit reports, as well. 

The notifications ended and thought it was done until this email this morning from ; XXXX XXXX XXXX. 

I've had my identifying information stolen twice since I was XXXX and robbed. My youngest brother and I have almost identical social security numbers, our last number is just one digit off from each other. 

I thought I had taken care of this issue... This morning has proven not to be so. Sending an Email is definitely unacceptable communication! Other people can open or hack Email accounts!
Product: Mortgage

After denying the loan modification appeal, we received XXXX letters from Nationstar on XX/XX/XXXX. In those letters, they offered alternatives to foreclosure and hold ( stop ) the foreclosure scheduled for Monday, XXXX at XXXX. I immediately called Nationstar and spoke with customer service representative named XXXX. We discussed the alternatives, and due to the current situation, we decided to move forward with the Short Sale. XXXX made notes on her system that we were doing the Short Sale and advised us to hire a realtor. We hired a real estate agent to proceed with the short sale and initiated the process on XXXX last week. On Monday our realtor initiated the Short Sale on XXXX and were advised that a short sale negotiator will be assigned shortly. However, Nationstar " changed their mind '' and activated the foreclosure procedure with a short sales process initiated on XXXX denying us the opportunity to move forward with the Short Sale. 

XXXX also offered a One-On-One meeting with a Nationstar representative within the next 14 days ; however, we learned that on Tuesday, XX/XX/XXXX that was denied without communication that to us. 

The fact that we filed for BANKRUPTCY along with the slow and lengthy procedures that XXXX XXXX XXXX and Nationstar delayed the loan modification process and accrued several months of payments and put us a very precarious situation. It seems that now we are being punished for filing bankruptcy and not allowing us to short sale the home. 

It 's important to note that we have NEVER requested a Short Sale before. Our utmost intention was keeping the home but we were left without that that option after the procedures that Nationstar has placed setting us to fail. 

As borrowers, we have the rights to an alternative to foreclosure as established by HAFA. They are not following the proper procedures to get this situation to an orderly close. They are taking short cuts and violating our consumer rights. 

It is important to note that we have called Nationstar every day and more than once. XXXX XXXX XXXX who signed one of the letters was supposed to get back to me on Monday ; however, she is not answering my calls and other customer representatives are being evasive. 

We will highly appreciate your assistance in obtaining a postponement on the foreclosure and we can move forward with the Short Sale which will minimize the financial and emotional impact that a foreclosure will have in our lives. Additionally the Short Sale will benefit Nationstar and the trustee by obtaining a much higher sales price than the foreclosure sale. 

Looking forward to a favorable resolution to this unfortunate situation.
Product: Credit reporting or other personal consumer reports

Hey, these companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX
Product: Debt collection

This is a medical debt where I had secondary insurance through my mother 's insurance. XXXX XXXX never submitted the remaining amount due to my secondary insurance even though the insurance card was offered to them on two different occasions. When they sent it to collections, I immediately disputed the debt. For over a year representatives from Receivables Management Systems have ignored my dispute letter and now am being informed that I did not meet the 30-day criteria ( I am assuming that the Account Dispute Manager is using my last fax of XXXX XXXX, 2017, as the dispute date ). The initial dispute was sent well within the 30-day period ; however, three different representatives from this company over the past year have done nothing to remedy this. I am attaching all of the information I have in this matter.