23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband was diagnosed with XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX after a check up at XXXX XXXX XXXX XXXX XXXX in XXXX, AZ XXXX. He was laid off of his job and stayed XX/XX/XXXX and XX/XX/XXXX in AZ receiving daily XXXX XXXX. He was able to draw unemployment and I am very secure in my job but it was n't enough to cover the truck payment or mortgage. We started a process with Caliber Home Loans for assistance and asked for a loan modification or extension, this went on for 3-4 months with the final result being that they were unable to help us. So it was n't that we were not paying our bills we were unable to pay them and asked for help with no good result in the end. We are not dead beats I have had my job for 8 years and he had no choice with the XXXX XXXX. Caliber Homes told us they would help us since we filed tons of paperwork with them that it would not effect our credit but obviously that was n't true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. See the documents attached. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Also, I want to dispute these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. Please correct these accounts.
Product: Checking or savings account

My phone was stolen on XXXX at around XXXX and the thief got into my bank account by finding my password in my phone. He XXXX  a random person Ive never had a transaction with since I opened my bank {$2000.00} without my knowledge, and another {$570.00} to my other bank account and XXXX the money from my other bank as well. On top of this, my identity was stolen as well because the thief found my social security. I tried telling the claims repXXXX this and there is still nothing they can do. They told me this is out of the banks hands, and you must contact another organization to get this resolved. 

Since the transactions took place on my phone that was stolen, they claim that the transaction was not fraudulent, even though it was. They are requesting compelling evidence to be able to approve the claim, but couldnt tell me what would be considered compelling.
Product: Vehicle loan or lease

When we initially purchased the car the dealership made some type of error setting up the auto payment. It was corrected during the second month and there was never a late payment made again. I corrected this as soon as we got into month two and I noticed no payment had been taken from my account. Called Allied financial and got the account number and routing number corrected. four years of payments and only the first month late. This is affecting my credit score as well as my SBA loan is on hold until it is corrected or I will have to pay a higher interest rate. Please assist me in getting this corrected.
Product: Credit reporting or other personal consumer reports

My middle starts a XXXX, the fictitious name on my report has a letter starting with a XXXX.I can't send it to you without showing my whole name... what do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a copy of my credit report with all 3 credit bureaus side by side to show proof of the inaccuracies and incomplete information that is being reported. XX/XX/XXXX sent an immediate response back saying XXXX XXXX came back as a verified. XXXX XXXX is a inaccurate and incomplete account on my XX/XX/XXXX and Transunion credit report. They are reporting 2 different payment statuses and comments. Transunion is reporting a charge off and XX/XX/XXXX is reporting discharged debt in 3 different kinds of bankruptcies. XX/XX/XXXX and Transunion both are reporting incomplete and inaccurate account numbers. No balance, past due and no financial information. They are reporting different dates the account was opened. I have submitted several disputes and the account keeps coming back verified. This account has previously been removed by XX/XX/XXXX. This is a direct violation of my rights as a consumer. I have enclosed a copy of all credit reports side by side to view the inaccurate information.
Product: Credit card or prepaid card

Capital One has been sending me these statements all these months with coupons attached to them and I have been paying by electronic funds transfer. The cestui que trust, XXXXXXXX XXXX, was set up to pay all my bills and because CAPITAL ONE have my social security number, what is taking place is a Trust Action- with me as the beneficiary and with CAPITAL ONE as the Trustee. As the Trustee, I would like to remind you that CAPITAL ONE, has a fiduciary obligation to act in a way that will benefits me. 

Coupon - XXXX XXXX XXXX XXXX XXXX : Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached... 

On XX/XX/XXXX XXXX XXXXXXXX I accepted the coupon offer at full value and mailed it to the proper address listed. It arrived XX/XX/ but my account has not been created.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on today XX/XX/2021 that my XXXX XXXX had dropped and I was in total shock it was because there's a loan on it from XXXX XXXX  that appears as upgrade I never ever applied for this loan I wouldn't know how to this is a fraud and scam by someone who might be close enough to me to have all my personal information it isn't fair for me to have to pay back a loan that I didn't apply for in the first place. This loan is ruining my credit. They should be more careful when giving out loans to people and should remove their loan from my transunion and XXXX account. I don't have an address associated with the address of that loan.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon reviewing my credit report, I have identified the following inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am requesting the immediate removal of the following items from my credit report in accordance with 15 U.S.C. 1681i and other relevant provisions of the FCRA. 

Disputed Personal Information Previous Address : Reported Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Issue : This address is incorrect. Under 15 U.S.C. 1681c, you are required to delete inaccurate or outdated information. Please remove this address. 
Previous Address : Reported Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Issue : This address is incorrect. Please remove it in compliance with 15 U.S.C. 1681c. 
Previous Address : Reported Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Issue : This address does not belong to me. Under 15 U.S.C. 1681c, please remove it from my report. 
Previous Address : Reported Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Issue : This address is inaccurate. Kindly remove this entry in accordance with 15 U.S.C. 1681c. 
Previous Address : Reported Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Issue : This address is also incorrect. Please delete this information as per 15 U.S.C. 1681c. 
XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX : 15 U.S.C. 1681 ( a ) ( Consumer Privacy Rights ) Disputed Issue : This entry violates 15 U.S.C. 1681 ( a ) regarding consumer privacy rights. Please remove this entry from my credit report. 
XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX : 15 U.S.C. 1692g ( Validation of Debt ) Disputed Issue : Please validate this debt. Under 15 U.S.C. 1692g, if this account can not be verified within 30 days, it must be deleted from my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX : XXXX : 15 U.S.C. 1681b ( Permissible Purposes ) Disputed Issue : This account was reported in violation of 15 U.S.C. 1681b. I request that it be deleted immediately. 
XXXX XXXX XXXXXXXX Account XXXX : XXXX : 15 U.S.C. 1681b ( Permissible Purposes ) Disputed Issue : Please remove this entry due to violation of 15 U.S.C. 1681b regarding permissible purposes. 
XXXX XXXX XXXXXXXX Account XXXX : XXXX : 15 U.S.C. 1681b ( Permissible Purposes ) Disputed Issue : This entry violates 15 U.S.C. 1681b. Kindly remove this inaccurate information from my credit report. 
XXXX XXXXXXXX XXXX Account XXXX : XXXX : 15 U.S.C. 1681b ( Permissible Purposes ) Disputed Issue : This inquiry violates 15 U.S.C. 1681b. Please remove this entry immediately. 
XXXX XXXX XXXX Account XXXX : XXXX : 15 U.S.C. 1681b ( Permissible Purposes ) Disputed Issue : This entry violates 15 U.S.C. 1681b. Please remove it from my credit report. 
XXXX XXXX Account XXXX : XXXX : 15 U.S.C. 1681b ( Permissible Purposes ) Disputed Issue : Please remove this inaccurate information due to violation of 15 U.S.C. 1681b. 
XXXX XXXX XXXX XXXX Account XXXX : XXXX : XXXX5 U.S.C. 1681b ( Permissible Purposes ) Disputed Issue : This entry violates 15 U.S.C. 1681b. Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXX with Ocwen loan servicing ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXX states that our second mortgage loan was in default, was being transferred to XXXX XXXX XXXX but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork. 

Sometime between XX/XX/XXXX and XX/XX/XXXX Ocwen " merged '' or " sold to '' or " hired '' PHH mortgage services. We now receive statements for both our first and second mortgage from PHH on PHH letter head. However, the statement for our second mortgage on PHH letter head instructs us to send the payment for just the second mortgage to XXXX XXXX. We find this deceiving and gave us the impression for over 5 years that Ocwen/PHH still held our loan and had not charged it off. 

Now Ocwen has reported to at least XXXX and XXXX ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and  are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with Ocwen/PHH/XXXX ( we are not sure which company we should be dealing with? ).  We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly. 

Both XXXX and XXXX are wrong. But, specifically XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXX and XX/XX/XXXX. 

How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork? 

How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company? 

This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital. 

We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in  XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct. 

We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.
Product: Debt collection

Told them is not mines and still wont clear and has reported to one of the credit bureaus multiple time with different amounts
Product: Student loan

On XX/XX/12 I contacted Firstmark Services, the servicer for my XXXX XXXX XXXX My inquiry was simply if I had a forbearance available. The agent told me that I had 8 months of forbearance available on my account that could be used in 2 month periods. She then assisted me with applying for the forbearance and pushing my XXXX payment date past the timeframe they say it will take for the forbearance to be approved so I will not need to make a XXXX payment. 

XX/XX/XXXX comes and they automatically draft over {$400.00} from my account without any notification that the forbearance was denied. 

I contacted Firstmark again on the XXXX and was told my request was denied because a hardship and plan for resolution was not listed. I explained to the agent that I had lost my job and just gone back to work, but would not receive my first check for another month. I also explained that the previous representative never asked me that question when submitting the request, otherwise she would have gotten the same answer. The second agent resubmitted my request and requested that my payment be refunded as the unexpected payment caused my account to overdraft and left me with nothing to feed my kids or put gas in my car to get to my new job. 

Today I received notice that my forbearance request was denied yet again because as it turns out, it was never available on my account to begin with. Had my initial inquiry been answered correctly I may have had time to contact my other lenders and move funds around so I didnt end up in a situation where Im unable to provide for my family. 

Due to the carelessness of Firstmark and their staff Im now in a situation where I might lose this job because I cant afford to get there next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.. XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Debt collection

I have been sued and currently have a judgement filed against me for a debt that I know nothing about for a whopping {$2000.00}. I would be fully aware of owing such a large debt. Clearly as far as I am concerned there is a huge error somewhere and I would be a complete fool to agree to a debt that I know absolutely nothing about. I have disputed this judgement that showed up on my credit report reflecting a filing date for 2012. The judgement fell off my report without a problem because no original documentation could be provided proving that I owed the debt. A few weeks later I received a return letter in the mail seeking to garnish my wages from the same company. I went to file a motion of installment to protect myself and to stop the garnishment from moving forward. I work very hard to provide for my family and I am going to protect myself as well as my family with everything that I got. It is clear that unfair practices and fenaglining of legal documentation by this agency has taken place as evidenced by a spa being listed as the plaintiff on legal documentation that I have retrieved. Clearly this is abuse, deceptive, and unfair in reference to The Fair Reporting Act. Agencies like this, in my opinion should be put out of business immediately. I do not take playing with my livihood lightly and I earn every penny that I make for my family and will not be victim to unfair practices. This needs to be resolved immediately. My next step is the XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX on my credit report. XXXX XXXX XXXX, a large company that opened on XX/XX/2024, has reported an account under my name, which I have no knowledge of and did not authorize. 

I have never had any contractual agreement or business dealings with XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you verify this collection account. XXXX XXXX XXXX must provide a copy of an original contract bearing my signature to substantiate their claim. If they are unable to produce such documentation within 30 days, I demand that this account be deleted from my credit file immediately. 

Please consider this a formal request to initiate an investigation into this matter. I expect that you will notify me of your findings and actions taken regarding this dispute. 

Thank you for your prompt attention to this urgent matter. 

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

had account with TD bank in  XXXX   XXXX  florida around  2013. closed the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my  XXXX  and credit report just with the last two months.  I do not have my old account number. want it removed immediately
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a call from the home retention coordinator for Rushmore Loan Management Co. on XXXX/XXXX/2016. She called to inform me that Rushmore had declined to accept the offer for a short sale on my property which is scheduled for foreclosure on XXXX/XXXX/2016. This was the second offer on the property that she declined. She said the XXXX offer was too low and gave my realtor, the figure that the 'investors ' would accept. A XXXX offer for the amount that she stated was acceptable was then submitted, and after reviewing the XXXX offer, the home retention coordinator contacted me via phone to inform me that the offer was rejected and the company would proceed with the foreclosure ( which is scheduled in 9 days ). She then offered, for the second time a deed in lieu, which she advised me to accept. This was the second time she had offered me the option of a deed in lieu. The time the offer was made was on XXXX XXXX via a letter sent to my home which was delivered by XXXX. The original offer for the deed in lieu included a {$3500.00} relocation clause. At that time, I told her that I had a short sale buyer for the house. The home retention coordinator proceeded to order an appraisal. In the meantime, my realtor submitted the sales contract to the home retention coordinator. She declined the initial offer stating that the appraisal came in above the short sale offer. After speaking with the home retention coordinator about the original offer, the realtor went back to the buyer and informed them that the offer was not accepted and the buyer resubmitted an offer for the appraisal amount that XXXX XXXX requested. When the home retention coordinator phoned me today ( XXXX/XXXX/2016 ) to state that the second offer had been rejected, I asked her why and she said because " the investor just does n't want to accept the offer. '' She then offered me the option of the deed in lieu for the second time, but this time, the offer was reduced by {$500.00}. When I asked her why the original offer was reduced -- especially after I made a good faith effort to sell the house, she said because I had run out of time and since the foreclosure was in 9 days, {$500.00} dollars of the initial DIL offer had been taken off the table. This conversation upset me and I told her as much and she proceeded to speak to me in a patronizing and belittling tone and said that I could either accept the offer or the house would go into foreclosure and that she would not talk to me about the matter any further. I felt that the home retention coordinator was threatening me and bullying me into taking a deal that might not be in my best interest and treating me as though I had no recourse except to accept her unprofessional treatment and tone towards me.
Product: Student loan

I received a notice from Mohela that my autodebit amount was updated and after reviewing my account, I noticed 8 of my 9 loans were placed into a forbearance so the amounts due for the 8 loans was removed from my autodebit amount. I contacted Mohela and after researching they were unable to determine why my loans were put into Forbearance and indicated sometimes the system does that. They advised it can take up to 62 days to have the forbearance removed. When I asked to submit a complaint about the process because I think they need to research their system to understand what the root cause of the system was, the agent advised she did not have the ability to submit one and I had to wait for a call back from a supervisor for that. I find that a little concerning because individuals should be able to file a complaint without waiting for a call back.