23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was affected by hurricane in XX/XX/XXXX, my mortgage company gave me a forbearance for the months of XXXX, XXXX and XX/XX/XXXX. At the end of that forbearance they told me they will work with me thru there loss mitigation Department on options so that I can repay those 3 months. I continue to call and make my payments every month thru the loss mitigation department they told me not to worry that this would not be reported to my credit report that I had to wait cause they had over 10,000 people in my situation. I submitted all documents they required twice and in XXXX of XXXX with out any notice they reported my account to credit bureau as 90 days past due this caused my creditors to close my active accounts, reduce my credit lines and lower my credit score to poor. I complied with everything and they refuse to correct the situation I didnt hear on a repayment plan from loss mitigation as hurricane affected victim til XXXX of XXXX, I turned it down and paid the months that where in forbearance. But Dovenmuehle mortgage still refuses to correct the information they submitted to my credit report after several times I have reached out to them to do so.
Product: Mortgage

I contacted XXXX regarding my escrow monthly payment increase of {$250.00} per month as of XX/XX/XXXX. I spoke with 3 representatives on XX/XX/XXXX- XXXX, XXXX and XXXX. I wanted to know why there is no option for me to spread the escrow shortage of approx. {$2000.00} over a period of more than 12 months, which is the maximum term the escrow shortage can be amortized according to XXXX. According to XXXX, the investor - XXXX, instructed XXXX to only allow escrow shortages to be spread over 12 months. I was told that I would have to modify my loan if I want a lower payment. I would like XXXX to respond to the following questions : 1. My loan is an Agency Loan - XXXX XXXX . Per agency guidelines, a servicer must allow the borrower to amortize escrow shortage for up to 60 months. How is XXXX and the investor allowed to only spread the shortage over 12 months and not allow a longer term. What law/regulation or agency guideline is being followed by the investor and SPS as the services. 
2. My taxes went up by a substantial amount in XXXX, yet XXXX waited an entire year to adjust the payment causing a larger shortage and a higher escrow payment.
Product: Debt collection

GLA COLLECTIONS : last reported against me on XX/XX/XXXX. They opened a fraudulent account against me over a year ago for {$1500.00} CALLED XXXX which theyre already tried to collect from as an existing account. 

GLA COLLECTIONS : LAST REPORTED AGAINST ME ON XX/XX/XXXX for an additional fraudulent account CALLED XXXX FOR THE AMOUNT OF {$1100.00} GLA COLLECTIONS : CHARGED ME {$1000.00} opened XX/XX/XXXX again CALLED XXXX - THEY DUPLICATED THUS AMOUNT TWICE TO DAMAGE MY CREDIT AFTER THREATENING IT ON HARASSMENT PHONE CALLS DAILY. Its mental abuse. 

THIS COMPANY CAN NEVER PROVIDE THE CORRECT INFORMATION OR CAN EVEN TELL ME WHERE THIS DEBT CANE FROM. 

GLA COLLECTIONS IS DESTROYING MY ENTIRE LIFE AND IM ONLY XXXX! Please help me.
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 XXXXXXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXXXXXX XXXX  {$15000.00} XXXX XXXX XXXX XXXX  {$23000.00} XXXX XXXX XXXX XXXX  {$800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$2100.00} TEXAS XXXX XXXX XXXX BALANCED {$28000.00} WC / XXXX  XXXX BALANCED {$3500.00} XXXX XXXX BALANCED {$1200.00} XXXX/XXXX XXXX BALANCED {$520.00} XXXXXXXX XXXX XXXX {$0.00}
Product: Debt collection

I have filed a FTC report letting companies know that I was a victim of identity theft. The company KANSAS COUNSELORS INC., have not removed their account from my credit, which is linked to the identity theft. After multiple attempts, they are still reporting and are violating the Fair Credit Reporting Act.
Product: Debt collection

I am filing a complaint against a credit card debt collector who has repeatedly sent me emails regarding a debt that has been reported on my credit for over four years. Due to their failure to properly communicate my rights, particularly my right to dispute the debt, I was not made aware of the option to dispute this claim until now. This lack of clear communication is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically sections prohibiting harassment, misleading practices, and failure to provide proper notice of dispute rights. Additionally, this situation may violate the Fair Credit Reporting Act ( FCRA ), as the debt was reported without providing adequate opportunity for dispute or verification. As a result, I feel my financial rights have been severely violated. I request immediate action to resolve this matter and ensure that my rights are protected moving forward.
Product: Debt collection

This debt was from a Workman Comp Injury. This agency keeps putting this on my credit reports damaging my credit. The validation letter they sent CLEARLY states insurancer XXXX XXXX ) Workman Compensation.This has been settled and signed by a judge. Any and all medical debt is the debt of the DEFENDANT. I have attached a copy of the collection and a part of the settlement that clearly states who the debt would belong too.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were NOT authorized : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to XXXX requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, XXXX sent me an email stating their investigation did not fix the error on my credit report because XXXX and Equifax companies that reported the information to them was certified. No other explanation was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

XXXX charge for XXXX was not reversed in my favor when I reported my phone and wallet were stolen. 

There was another charges for XXXX for a hotel that once again i have never used. These charges need to be reversed in my favor. 

This account is with the App Cash App
Product: Debt collection

Apartment complex stated I move out after my lease was up turned my info over to a collection agency agent asked for me to send documentation they were requesting. I was not in the state at the time they said I was sent them all proof
Product: Payday loan, title loan, personal loan, or advance loan

I received a settlement Offer on a loan that I did not take out. It is fraud. 
Balance Credit current loan balance XXXX Balance credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX They keep calling me and Harassing me about this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

While there was an active fraud investigation occurring on my credit card account, Capital One allowed an unauthorized phone payment of $ XXXX to be made from my XXXX checking account. My account was enrolled in auto pay to pay the balance in full on the XXXX of each month. This payment occurred on XXXX and was clearly done to increase the open to buy on the account so the criminals could continue using the card. 

While the fraudulent transactions were reversed, Capital One had been obstructive in resolving the unauthorized payment. We have followed all their directions. Most recently, who have been run around in circles trying to send a form from XXXX that Cap One requested. Theyve rejected or said the cant find the form several times. I finally found a supervisor whos been somewhat helpful. He says I have to wait till XXXX to follow up with him to see if theyve received the form. When asked about next steps after the form is acknowledged by Cap One he didnt seem to know. 

Ive requested a refund of the $ XXXX credit balance currently on my account which was created through my own funds. Cap One says they cant do this. 

Im in despair. $ XXXX is a lot to be out
Product: Credit reporting or other personal consumer reports

account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Mortgage

We prepaid roughly $ 3k in escrow during our home refinance experience with Lenderfi.

Several months later, we learn no payments were made to our home insurance firm, XXXX XXXX and we received a threat of cancellation notice in the mail from insurer. We called Lenderfi, were told they had computer issues that had complicated payment and they had been resolved on XXXX XXXX during my phone call with customer service. 

A week later, our insurer told us that never happened, they still hadn't been paid. I called Lenderfi again on XX/XX/XXXX and was told they weren't able to make an escrow payment as someone had failed to input our insurance information into their computer system although we had been making and they had been keeping escrow payments. We were told this was elevated to manager level and would be handled within 48 hours. 

Today, XXXX XXXX, our insurer told us they still hadn't gotten anything from Lenderfi. I again called Lenderfi and again they said nothing had been done yet and asked us if we could front them the $ to avoid the cancellation notice and they would " pay us back. '' Three days before XXXX. As I sat in a parking lot with a XXXX year old and was bounced between one customer care person to another.
Product: Debt collection

I received a copy of my credit report today and there is an account on there from this company. I contacted the company and spoke to someone named XXXX ( I believe. He said his name really fast one time and would not repeat it after that ). He advised that they account is from XXXX in the amount of over {$1500.00}! I have NEVER done any business with XXXX nor have I signed any contract the XXXX  XXXX. I have been a customer of XXXX XXXX XXXX since 2005. I told the rep that the account does not belong to me and I need verification of the debt and which he proceeded to ask for payment. I declined the payment and the rep disconnected the call while I was still speaking. The account does NOT belong to me and I demand that it is removed from my credit report immediately!!!
Product: Credit reporting or other personal consumer reports

I am formally requesting an investigation into Equifax for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these hard inquiries to be made. Despite multiple requests, Equifax has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid drivers license. These unauthorized hard inquiries have raised serious concerns regarding XXXX compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information. These actions have negatively impacted my credit score and financial standing, causing significant hardship. 
XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XX/XX/year> I have not provided any entity with the authority to access or pull my credit, and XXXX failure to comply with FCRA regulations has caused undue harm to my credit standing. I respectfully request that the CFPB investigate Equifax practices, hold them accountable for their failure to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. Additionally, I have repeatedly communicated my concerns to Equifax, including sending notarized documents via first-class mail, yet they continue to ignore my requests and subject me to psychological harassment through these unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.
Product: Consumer Loan

I decided to do business with CarHop located in XXXX, IL. They financed a XXXX Chevrolet XXXX on XXXX XXXX, XXXX through Universal Acceptance Corporation. Within a month I began to experience troubles with the car and it became unsafe to drive. I took the XXXX Cavalier to CarHop on XXXX XXXX, XXXX and they took the car back and put me into a XXXX Dodge Stratus. I was not required to pay anything for them to put me into another car. Here I am XXXX XXXX, XXXX and my credit report has a derogatory mark on it from Universal Acceptance for an unpaid balance for {$52.00}. I have contacted the company and they stated they can not tell me why I have the balance and all they know is that their records show I have a balance of {$52.00} remaining on the XXXX Chevrolet XXXX. This is ridiculous. For an amount that small if there was a balance on the car at the time of the trade-in the sales representative at CarHop should 've informed me about it. I should not be held responsible for an error on CarHops end. The sales rep failed to mention anything about a remaining balance. And ultimately why should I pay a balance on a car that broke down, had car troubles, and was unsafe to drive all in a months time span.
Product: Debt collection

After pulling my credit report have reported this matter to Credit Acceptance numerous times and the XXXX Credit Bureaus, I must add that there employees are very condescending and rude. When I would call to make a payment they ask me what made me fall behind ( I am not behind. I am making a payment today i would inform them I have never missed a payment. ) This company reported late payments my whole duration as a customer.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report from Equifax, XXXX and XXXX and noticed collections that need to be immediately DELETED. They are as follows : XXXX XXXX XXXX XXXX XXXX PLEASE DO NOT SEND ME A COMPUTER-GENERATED RESPONSE LETTER AS THAT WOULD BE YET ANOTHER DIRECT VIOLATION OF THE FCRA. 



EQUIFAX has violated my consumer rights and violated federal law and violated MY RIGHT TO PRIVACY which is clearly outlined in 15 USC 1681A ( 4 ) of the Fair Credit Reporting Act.

I ALSO have proof of violations in 15 USC 1681B ( 2 ), which is noted below, 15 USC 1681B ( 2 ) - PERMISSABLE PURPOSE of consumer reports, THE LAW CLEARY STATES : ( 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 INSTRUCTIONS OF THE CONSUMER to whom it relates.

I DID NOT give your agency written authorization or written instructions to report this information.

YOU have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated IDENTITY THEFT In using my information illegally/without consent and I've sustained defamation of character just to name a couple damages should this matter escalate to court. 

XXXX XXXX AND XXXX that is reporting the collection, has violated my consumer right as well, noted within 15 USC 6802, as you are both liable for a lawsuit in conspiring against me if this matter doesn't get resolved privately now.

Continuing to report these erroneous accounts would constitute willful noncompliance and a direct violation of 15 USC 1681n as well.

You have 14 days to respond to upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from my credit reports and also mail me a new copy of my report or I will be seeking legal counsel against your agency for these damages. 
Please note that this is an attempt to settle this matter privately
Product: Credit reporting or other personal consumer reports

I am writing to express serious concerns about inaccuracies in my credit report. Upon reviewing it, I discovered multiple errors, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These inaccuracies are affecting my financial stability, and I urgently require your assistance in resolving them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of this year and every month until now Ive been writing complaints about the incorrect information that's reporting on my credit report. The information reporting is inaccurate.
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Date opened : XX/XX/XXXX  Balance : {$5200.00} XXXX XXXX Opened : XXXX. XXXX XXXX  Balance : {$4900.00} XXXX XXXX XXXX Opened : XXXX. XXXXXXXX XXXX  Balance : {$3300.00}
Product: Checking or savings account

A check {$8700.00} was issued to me by my insurance company ( XXXX XXXX XXXX ) against a home insurance claim. Per the issuer, the check has been processed by my bank ( Citibank ). However, I still don't see the money in my account. 

Repeatedly tried to reach Citibank and see no rep addressing the issue. Only see reps interested in closing the tickets on false grounds. Saying I am disappointed with Citi is an understatement. Lack of empathy. 

So where did the money go? Has a fraud occurred here? What are my rights as a consumer of Citi banking services?
Product: Credit card

On XXXX XXXX, I was charged the annual fee of {$95.00} for my Citibank XXXX XXXX Mastercard. On XXXX XXXX, I was informed by Citibank that they were closing all of my credit card accounts against my wishes. The only reason that they gave for closing my accounts was that they no longer wished to do business with me. I contacted Citibank to have the annual fee refunded and they refused. If my account had not been closed by Citibank, I would have had XXXX days after the posting of the annual fee in which to close the account myself and not pay the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number :XXXX  Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}