23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was originally opened with XXXX XXXX XXXX. I am currently retired, living on my Social Security and a small pension. My social security is received by my bank on the XXXX Wednesday of the month at which time my monthly mortgage payment is applied. Originally, prior to XXXX XXXX, the mortgage was paid on the XXXX of each month. This became a problem since Social Security made it 's payment on the XXXX Wednesday of a the month. Sometime around XXXX XXXX I made a loan modification agreement with XXXX XXXX XXXX to extend the mortgage due date from the XXXX of the month to the XXXX of the month. 

Seterus, a new mortgage company, took over my loan in XXXX, XXXX, without accounting for this loan modification. In addition, they did not account for my XXXX payment which was deducted from my bank on XXXX, XXXX, XXXX. These errors have not been corrected. Seterus now shows my mortgage in arrears, which is incorrect and creates an error in my credit scores.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts within 4 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

Account sold to XXXX a collections company.They are reporting an old covid era account as a new account.which is in violation of the fair credit reporting act.and should be removed immediately.
Product: Debt collection

I have been arguing with XXXX for 3 months now trying to remove all fraudulent information from my report. I have submitted documentation multiple times and and spoken to multiple reps explaining that my identity has been compromised. However, they still refuse to remove items from my report. This is in violation of section 605B of the FCRA law, that protects me as a consumer. I have also submitted paperwork to the creditors listed on my paperwork to now avail. 
My identity was stolen by someone who is not benefiting from my personal information and I am the one who is left to pay the charges. 
Please have the accounts listed on my report removed pursuant to section 605B of the FCRA and send all needed notification to the furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX XXXX  with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation.

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX XXXX account and a written response outlining the actions taken to resolve this issue.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ XXXX XXXX ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, Credit Report, etc. The accounts are attached. XXXX XXXX, Bridgecrest, and XXXX XXXX original credited XXXX XXXX.
Product: Mortgage

AmeriHome, Loan # XXXX I paid off this loan in full on XX/XX/XXXX. To date ( XX/XX/XXXX),  I  have not received my surplus impound account funds of {$4600.00}. I was now told that the initial check was sent but I never received it. This was back in mid-XXXX. They said they would send another check back in early XXXX ... .I have not received that either. I called today and they told me that they would generate a new work order which is what they said last time. 

I find this absolutely unacceptable and asked them to either XXXX  or wire the funds due me. They said they could not but would generate a " new work order ''. I don't feel I should have to wait on my money. Can you help?
Product: Payday loan, title loan, or personal loan

I have made payments to Money Key and they debited my account for two, one I paid. They made a payment arrangement for this month to pay on XX/XX/22 through one of the employees in collections. They are now stating that I owe more money than the payment to be paid on XX/XX/22 This has occurred each time I make a payment. They called me 3 times today and emailed me 3 times. The last phone call I made to verify and the Person started yelling at me that the payment was not enough I owed for other payments. I have an agreement in writing for the payments that have been made. 
They have other complaints online.
Product: Money transfer, virtual currency, or money service

In the service Cash App it is clear to me that in my profile there are three people that I do not know replacing three people from my phone contacts. Customer service will not resolve the issue. The 3 contacts from my phone do not appear and instead appear 3 unknowns.
Product: Credit reporting or other personal consumer reports

Ive submitted a complaint already- the complaint number is XXXX you all advised a monetary value and did not address their false reporting or incorrect fees. The bank never added the monetary value nor did they remove the fees. The bank has provided falsified information and incorrect reporting. I want this account removed from my business reporting immediately and I want this escalated!
Product: Debt collection

This company made a robotic call indicating they were calling about a package delivery and asked me to press XXXX '. I pressed XXXX ' and learned that they were trying to get in touch with a former friend with whom I have not spoken in several years. I explained this to them and asked them to remove my number from their records. She said that she would not this since it is listed as the number for " the defendant ''. I asked her for her company 's info and she hung up on me. I had to call back XXXX additional times to get the information. XXXX XXXX yelled at me repeatedly and told me she would be contacting " counsel '' about this. When I asked for name/contact info for this individual, she refused. I am sending them a cease & desist order, the representative told me that would not stop them from continued calls to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 usc 1681 sec 602a I have the right to privacy and also 15 usc 1681 sec 604a The debt collector did not have my written instructions to report such debt to a credit bureau Also according to the NCLC Fair Debt Collection & 8.2 A debt collector must speak to a consumer or send a letter or electronic message about an alleged debt before reporting the account to a credit bureau. 

All these laws were violated the companies are as follows : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX and spouse XXXX XXXX XXXX XXXX purchased a property located at XXXX XXXX XXXX XXXX XXXX, Ca.. The original Loan was with XXXX XXXX. 
In XXXX, XXXX XXXX merged with XXXX XXXX XXXX  XXXX. In XXXX, We refinanced to pay off existing loan with XXXX XXXX. Now. We are in the process of selling our property, I found out that there is a lien with XXXX XXXX, also found out that XXXX XXXX merged with Zion first national Bank in XXXX. We fully paid the loan in XXXX I sent a request to Zion National bank to remedy the lien on my property, gave them the original loan number from XXXX XXXX  which is # XXXX. 
I sent my request to Zion Bank on XXXX XXXX. To date, I have not recieved any response either by email or postal mail. I tried calling their customer service and was told that they can not find any record of my paid off loan. They said they checked under the loan number and our social security numbers, but ubavle to find any record. 
I need help to remedy the lien so we can proceed with the sale of our property. 
.Your assistance in getting the remedy will be greatly appreciated. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Ph ( XXXX XXXX or ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXCa XXXX emai : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I sent PHH Mortgage {$100000.00} payment, which they lost and said they never received. 
I contact my bank ( Chase ) and obtained proof of payment & receipt, which I sent to PHH Mortgage. After seven days, they finally found my payment and applied it to my loan. 

Then they tried to take some of the money and apply it towards the next month 's monthly mortgage payment, which wasn't owed yet. After multiple calls and waiting days, they finally reversed the extra mortgage payment and applied my overpayments to my principle. 

After getting my principle credited, I requested a payoff quote and sent in the final payment that same day. They received my payment, but won't apply it to my outstanding loan balance. Now the first of the month has rolled around again and they're saying I owe them another mortgage payment. I've already paid them all the money owed. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 records 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. 



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
Product: Credit reporting or other personal consumer reports

Recently, I discovered inaccuracies on my credit report attributed to the XXXX. These inaccuracies, presumably clerical errors or misunderstandings, have adversely impacted my creditworthiness and financial standing. Despite diligent efforts to rectify the situation, resolving these discrepancies has proven challenging and time-consuming. As a law-abiding citizen, I believe in the importance of accurate reporting and fair treatment. Therefore, I am committed to working closely with credit bureaus and relevant authorities to correct this misinformation promptly. I remain hopeful for a swift resolution and trust that proper measures will be taken to prevent such errors in the future.
Product: Student loan

In XX/XX/XXXX, I contacted Nelnet, a student loan servicer, via its website. The website is filled with information related to COVID-19, needing help with student loans, etc. The website states that during a COVID-19 forbearance interest is not capitalized.

The website discourages borrowers from telephoning and encourages borrowers to apply for forbearance via its website. I used the website to apply for a forbearance for a COVID related income reduction. This was good for 90 days. I utilized the same process in XX/XX/XXXX. 

In XX/XX/XXXX, I learned that my Economic Hardship application was denied and I would have a {$750.00} payment due that month. I could not pay that amount because my net income is $ XXXXmonth. I called again and was told I should apply for the Income Driven Repayment Plan, which I did the same day. I was also told I would get another 90 day forbearance because I said my repayment problems were still related to COVID. 

On XX/XX/XXXX, I learned that Nelnet did not give me a COVID forbearance that would not capitalize interest and instead gave me a " general forbearance '' whereby accrued interest would be capitalized into the principal. 

I feel like Nelnet engaged in a " bait and switch '' as to the forbearance. During my call on XX/XX/XXXX with Nelnet, I learned it was not possible to obtain a COVID forbearance via their website and that anyone with my type of student loans ( Federal Direct that were consolidated ) had to call Nelnet to obtain the COVID forbearance. This was incredibly misleading and I believe that this is an illegal " bait and switch ''. 

To a lesser extent, I am also complaining the IBR program was not fully explained and I believe I was pressured into it because Nelnet did not want to give me another COVID forbearance despite the fact I had to remind the Nelnet rep I knew that the COVID forbearance was extended to XX/XX/XXXX. XXXX Knowing now that I never had a COVID forbearance and instead got a " general forbearance '' makes me even madder because the rep on my initial call in XXXX should have realized the mistake and brought to my attention. ) I have already been paying on my student loans for 20 years. Why would I want to move to a plan that is based on " forgiveness '' instead of repayment? Today I learned that this plan calls for me to make payments for 25 more years. I will be XXXX years old. I think I would be better off waiting for my income to return and utilizing the COVID forbearance in the meantime to avoid default. And they would not let me " undo '' the IBR program once I learned the additional facts. In fact, there was no undo option even though I was just advised I was accepted today and have not made any payments under the plan. Again, another " bait and switch '' tactic by Nelnet..
Product: Credit card

I had good score then are you get to XXXX relationship? Then I tried hard to fix my credit score and I did great to run away from my XXXX relationship. I traveled out of US and I went to a country has no Internet and I couldnt access to my bank online account to pay the payment for the credit card I have money in my saving account which credit card allowance so I couldnt pay the payment. They charge me interest over interest over interest over interest and I couldnt contact them whatsoever because there is no Internet. There was nothing there when I came back. I went to the bank. I talked to them. I told them that situation and I paid off the credit card, but they never back me on the credit card. I applied again they rejected my application. It was the bank fault not my fault because I called them before I go to my country and told them Im gon na travel and that was back on XXXX or XXXX. Im not remembering they closed my account and this was not my fault at all, and I have at the same bank saving account covering, three times the credit card allowance while I was owing like nothing money you can mention.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX  XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX  XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit  reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement. 

Also I general revenue told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.
Product: Checking or savings account

My bank is Bethpage Federal Credit Union. My account was hacked into where my XXXX  was used to purchase thousands of dollars worth of goods. There were attempts on my debit card as well that were declined. My checking account was hacked into also in which the thief XXXX  themselves {$1900.00} from my account. This was not authorized by me. Even though my entire account was hacked into and they've reimbursed the mastercard charges, they declined to reimburse the XXXX payments.