23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the process of applying for a loan modification I ask if I could make my payments and was told NO that it would mess up the underwriters figures. It took XXXX 1/2 months to receive the first denial answer ( which made me 4 months behind on my payments ). On the second application it took four months to receive a denial answer which made us 9 months behind, Nationstar Mortgage says for us to be re-instated it will take {$13000.00} which includes late monthly payments and legal fees. 
We did get a loan modification from Nationstar Mortgage XX/XX/XXXX and two months into XXXX I XXXX at work and was unable to work. This is when all this started, I sent Nationstar Mortgage letters from my Doctors stating my condition both the XXXX XXXX doctor and the XXXX Doctor stated I was unable to work. I was told by my loan specialist that the Underwriters did not even look at the letters because it did not fit into or with their guidelines. I told Nationstar Mortgage during the last modification that I had paid off both of my car loans and would be able to set it up with my bank to have an automatic withdrawal of {$750.00} or {$800.00} to be taken out for a house payment -- -but this was not good enough for Nationstars ' Underwriters '. 
I was also told that Nationstar Mortgage did their own underwriting and financing and did not receive any money from the Government in XXXX when the Federal Government bailed out a lot of banks, well I just so happen to have gotten a letter from Nationstar Mortgage in which it states and I quote '' you were evaluated for mortgage payment assistance based on the eligibility requirements of XXXX XXXX XXXX XXXX XXXX XXXX, the owner/guarantor/trustee of your mortgage loan. '' I talked to XXXX from Nationstar this afternoon and ask him ask the banking situation and he said he really did n't know anything about it, and this is a man that works in the lost prevention section. 
Also during the two times we tried to get a modification I would get e-mails saying that we needed to send in this or that document, some of which we sent in no less that four times. After sending in the documentation they requested we would get a letter stating that it would take them from15 to 30 days to add those documents to our application and that they would get back in touch with us within 30 days -- -which goes back to what I was saying about making payments. 
It ended up looking like a catch 22 situation, one of which I wish we could get out of. I just want to start making my payments again and be able to stay in my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion on XX/XX/2021 and on XX/XX/2021 I received the information that the investigation was complete and the 2 collection accounts are verified as accurate. I, the consumer, according to 15 USC 1681a ( c ), am the only one that can verify if the information is correct and I was not contacted for this investigation. They have violated my right to privacy according to the FCRA and VIOLATED 15 USC 1681b ( 2 ) and didn't have permissible purpose to furnish this information to my consumer report.
Product: Credit card or prepaid card

on XXXX purchased a vanilla debit visa card for XXXX at XXXX  when i went to use the card i was told the card had been used i called vanilla card they said the card was not actvided whet back to XXXX  they said the card was used at XXXX XXXX in XXXX XXXX on XXXX @ XXXX for {$100.00} also used XXXX @ XXXX for XXXX I called vanilla they were going to look in to it.has been over 62 days my case # XXXX i called yesterday they said they had no case #. i would like your help getting my money back thank you
Product: Mortgage

On XX/XX/XXXX and XX/XX/2023 PennyMac received two mortgage payments from my account totaling {$3600.00}. Upon noticing I promptly reached out to PennyMac, they claimed they processed my refund of my money. On XX/XX/XXXX I was told it was escalated and the money would show shortly. I was later told that they placed it on a " suspense '' account instead of refunding it to the account as directed. On XXXX XXXX customer service is now saying they will send a check in 14 business days because they can not put it back in my account, contradicting everything previously said by PennyMac representatives. Additionally, there is an eDisbursement account set on the account that would allow for the direct deposit of the funds back into my account. 

This were funds from my VA payment and has caused extreme hardship with PennyMac not wanting to return payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by midland credit company, if collection debit is paid in full ( Pay to delete ) will be off my credit. It is still reporting in my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, or my addresses nor have I authorized any of these companies to run my credit.
Product: Mortgage

i recently refinanced, and the mortgage was sold to Amerihome mortgage. My homeowners insurance information was in the mortgage applications, but I received a note after the sale of the mortgage directing me to a very unprofessional website with no identification saying that I needed to enter my insurance information into the website. The letter had no identification that showed it was from the new servicer. After a second notice, I called the servicer that it was valid. I entered the homeowners insurance information into the website. 

I recently got another letter saying that the final notice on the insurance information even though they had it already and if I didn't provide it, they would input their own insurance. I feel this is and attempt to fraudulently switch my insurance to provider under their control.
Product: Credit reporting

I filed for bankruptcy and it was discharged as of XXXX/XXXX/2015, my attorney XXXX XXXX sent all XXXX credit bureau 's a copy of the discharge. XXXX XXXX and XXXX has updated the information when I called to find out why Equifax was not updated on XXXX XXXX, 2015 a representative stated they did not receive my bankruptcy discharge, so I sent them a copy of mine. I called today XXXX/XXXX/2015 after looking and seeing that they still did not update my credit report the representative to me why do I want the bankruptcy on my report. I told her that it is suppose to be on my report for 10 years and all the balance dropped to XXXX. I then asked to speak with a manager and she hung up on me. I called my Attorney and she told me that what the representative told me was ridiculous. I called Equifax back and asked to speak with a manager again and the young man hung up on me. I then in turn called again and asked to speak with a manager and the young lady would not put me through to XXXX and said maybe she could help so I gave it a shot and told her what the issue was with my bankruptcy and the accounts still showing a balance and she told me that she see 's my bankruptcy paperwork and that they can not update the credit report because Delaware Bankruptcy court has to send them my discharge paperwork. Well I called the Bankruptcy court and they do not send the credit bureau 's the discharge paperwork. Though all this Equifax hung up on me XXXX while trying to speak with a manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was falling behind on my XXXX XXXX XXXX credit card. I called the company and asked what did I have to do to bring my account current. They had told me that if I had pay {$200.00} today and set up automatic payment that it would bring my account to a current state. So this is exactly what I had done, I paid {$200.00} on XX/XX/XXXX and had automatically taken out payments. The account is now a XXXX because I had paid it off. My problem is that they are reporting multiple 120 day and 90 day lates, even though I made payments for those months. I had called the company multiple times and they told me to report it with the credit reporting agencies as a dispute, which I did. Each time they came back as verified, even though I sent in my bank statements and the VS statements showing I had made payments for those months. 
Then a month ago I had called XXXX XXXX instead of XXXX XXXX customer service and the lady I spoke to told me they would remove all of the lates from my credit report, that was over 30 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom I may concern, This decision that the Capitol One has reported to the bureaus on XX/XX/2022 the day I also applied for the credit card has scared me indefinitely. I havent applied for another credit card since this inquiry. I called the social security office and the confirmed I am not deceased. As Capitol One has stated in my denied approval letter on XX/XX/2022. I also called all XXXX reporting agencys they asked me to call to remove the deceased information. When I called they all said that they dont see that I need to call Capitol One. Capitol One stated the couldnt remove it. They then insisted for me to call all XXXX numbers again on denied letter that was sent in the mail.After calling all of the agencys as well as social security office. This should have been solved this is my life were talking about. Im hoping this can be handled and I can be approved for a credit card in the future with Capital One or anywhere else.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$820.00} XXXX XXXX XXXX Balance Owed XXXX {$3300.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}
Product: Mortgage

In XXXX or so I contacted XXXX that my Mom had died and I need to do something about the loan ( the XXXX ) to get a lower payment. They granted me a modification, and then sold the loan to XXXX Mortgage Servicer. Shellpoint then started the whole process over again putting me through all the same paper work I had just been through, telling me too that all I needed to do after they got the loan was to make the 3 payments to them for the new loan, which I did and on time. But XXXX still put me through all the hoops and then started sending out statements and modifications that were incorrect, including sending out their notary, that did not sign and or stamp in the correct space. I got a Covid Forbearance and continued to speak with XXXX and had already done a Modification with SLS on the 2nd for the home. That was easy and SLS extended the loan and reduced the payment for me. Then I got paper work from XXXX, I signed the modification and had it notarized and witnessed here in XXXX and put it back in their pre paid envelope and sent it back. I never heard from XXXX. But, they accepted the modification paper work. Some time in XXXX Selene came on the seen, and I was then told that Selene had the loan, Selene took over and made me do all the paper work over for the modification again even thought I told them I had a modification with Shellpoint but none the less once again another pile of docs only this time I spend {$2000.00} with Attorney mortgage Services thinking they might help me. Only to then have Selene turn down my loan. Selene then made demands that I give them {$100000.00} to reinstate the loan of they would foreclose. I continued to try and work with Selene but they won't listen. Then I was told my home was slated for a Sale XX/XX/XXXX foreclosure. I spent XXXX; XXXX on XX/XX/XXXX with XXXX XXXX ( badge # XXXX ) on the phone and he located the modification given to me by XXXX. Selene had already admitted that they would have to honor any agreement given by XXXX to XXXX and then XXXX given to them. XXXX gave the modification to his boss, on that day and I discovered on XX/XX/XXXX that they started to work on the paper work for my modification. I tried calling and showing Selene 's Insurance department that I have insurance but they just ignore me. Same as XXXX did and the force put insurance on my home. Under the Covid forbearance law, I believe that there are not to be any added penalties etc. on loans during this period. Yet Selene and XXXX have done both. XXXX refused to give me a copy of my modification when I called them, and when I call Selene all I get is the run around.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft stemming from both the XXXX data breach and the Equifax data breach, in which my personal information was compromised and subsequently misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to Hackers, with a revised announcement in XX/XX/XXXX stating that all three ( XXXX ) XXXX of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, Equifax disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Due to these breaches, I have reason to believe that my personal data was used to open unauthorized accounts in my name.

This FTC Identity Theft Affidavit is to report fraudulent accounts showing on my consumer FICO credit report which I do not recognize and which are the result of
Identity Theft Fraud. On XXXX, XXXX publicly disclosed that on XXXX it was breached and Equifax publicly disclosed its breach on XXXX, confirming that the incident occurred between XXXX XXXX XXXX. Each exposed sensitive personal consumer data and due to these breaches my personal information was compromised and used to open unauthorized accounts in my name without my knowledge or consent. These fraudulent accounts consist of a personal credit card account with XXXX on XXXX, a personal credit card account with XXXX XXXX on XXXX, a rental lease account with XXXX XXXX XXXX on XXXX, a medical account with XXXX XXXX  XXXX XXXX, and hard inquiries with XXXX on XXXX and on XXXX, with XXXX XXXX XXXXXXXX on XXXX, with XXXXXXXX XXXX on XXXX, with XXXX XXXX XXXX XXXX XXXX on XXXX and XXXX, with XXXX XXXX XXXX on XXXX and on XXXX, with XXXX XXXX XXXX on XXXX and on XXXX, with XXXX on XXXX, and with XXXX XXXX XXXX on XXXX . These accounts have resulted in several fraudulent collections, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Debt collection

I filed my original complaint on XX/XX/XXXX, file number : XXXX. Since then, they have placed my case on internal review and will not speak to me about it. They continue to garnish my wages but offer no communication. When I ask how long I can expect this to be in the review, they said for a " justified amount of time. '' So basically, it will be on hold indefinitely, continuing to accrue interest, stacking the balanced owed and garnishing my wages. I will never get out of this debt I don't feel I owe. It's from 12 years ago and was improperly served, never notified of my ability to dispute the charges or defend myself in court against judgments that were filed without my knowledge. All this time later, I'm being garnished without any ability to defend myself. 

Copy of original complaint - still under review at MCM. 

On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. I've never heard of or from Midland Credit Management or XXXX XXXX XXXX. 
The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. I was able to contact XXXX XXXX XXXX for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by XXXX XXXX XXXX to Midland Funding LLC on XX/XX/XXXX. Then from Midland Funding to Midland Credit Management and then to XXXX XXXX XXXX. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I had filed my taxes for 2016 online and was told I owed XXXX {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on XXXX. Today, I got a notice that a public record was placed on my credit report by the NY State Country clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on my credit report.
Product: Credit reporting or other personal consumer reports

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been dealing with this medical debt for 2 years now. I had an emergency room visit on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the doctor was paid by my medical insurance on XXXX/XXXX/XXXX. I notice that the date of service on the debt collection letter is for XXXX/XXXX/XXXX and the date on my insurance claim is for XXXX/XXXX/XXXX. I did get treated at the ER on both of these dates so I think maybe the dates are mixed up on the paperwork. That may be what the problem is because I have insurance claims to different doctors on both of these dates. The original fee charged was {$1200.00}. He is a physician provider on my insurance and agreed to accept the eligible charges that were paid to him. This has been on my credit report up until a couple of months ago and the only reason it 's not there now is because I filed a dispute with XXXX XXXX. After the dispute was settled it was deleted from my credit, but this physician sent these charges to a different collection agency after the other one dropped it. The old collection agency was XXXX XXXX and the new collection agency is XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX DO ) and the current creditor is listed as Pendrick Capital Partners. A XXXX XXXX/ XXXX XXXX XXXX representative even tried to call and talk to the first collection agency ( XXXX ) and the physicians company, but was given the run around and was unsuccessful. I faxed them proof of payment from the insurance company on several occasions, but was unsuccessful until I filed the dispute with XXXX. I have not contacted the new collection agency because collection agencies only go by what the creditor claims you owe them, so I 've decided to file this complaint here.
Product: Debt collection

I the consumer original creditor and natural person am being harassed and abused by debt collection attempts by this third party debt collection. Pursuant to federal law this organization never had my consent to contact me and is using false and mis leading representations to collect a debt not owed. Article 1 section 10 of the constitution states debts can only be paid with gold and silver. Farther more attached is my affidavit of truth along with supporting facts of federal violations endured by me the consumer from this debt collection attempts. Also be advised during debt collection attempts my Fourth amendment right also has been violated. I have no contractual agreement with your organization or any parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported late payments that are false On all XXXX reports
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Accounts and Incorrect Information on My Equifax Credit Report Dear Equifax, I am writing to formally dispute multiple inaccuracies on my Equifax credit report, including fraudulent accounts, incorrect personal information, and unauthorized addresses. My personal and credit information was compromised as a result of the Equifax data breach and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to unauthorized activity and false reporting on my credit report. 
The following accounts are inaccurately reported and do not belong to me. I demand that they be permanently deleted from my credit report : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, there are variations of my name and numerous addresses listed on my credit report that I have never used or lived at. These errors further demonstrate that my personal information has been compromised and misused.

Under the Fair Credit Reporting Act ( FCRA ), 611, I request an immediate investigation into this matter. As these accounts and personal information are inaccurate and unverifiable, they must be removed from my credit file. Reporting false and unauthorized information violates my rights as a consumer under the FCRA. 

Please conduct a thorough investigation and provide written confirmation once all inaccurate accounts, name variations, and unauthorized addresses have been permanently removed from my credit report. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX