23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was not notified of the last response therefore missed the deadline to respond. The response from Nationstar is not addressing the issue. I never " said '' XXXX is requiring the my payments be backdated so please do not contact them. 

I want my payments posted or back dated to the date they were received in full by your company. Not sure why this is a difficult concept. If it takes two weeks, fine, just back date it to the date received. As a consumer I am being punished because your company is too lazy to back date when a payment is received versus when you get around to posted it. 

XXXX was made on XX/XX/XXXX was posted on XX/XX/XXXX May was made on XX/XX/XXXX posted on XX/XX/XXXX XXXX was made on XX/XX/XXXX posted on XX/XX/XXXX XXXX was made on XX/XX/XXXX and not showing a posting date XXXX  was made on XX/XX/XXXX and not showing a posting date XXXX was made on XX/XX/XXXX and not showing a posting date Not having my payments backed dated to the date you were in possession of the full payment is a regulatory violation.
Product: Credit reporting or other personal consumer reports

I have tried and tired several times to dispute and submitted docs concerning XX/XX/XXXX XXXX XXXX Account. I have sent in FTC Identity theft reports and several police reports and updated police reports and letters fromXX/XX/XXXXXXXX saying this account will be removed and no longer be reported. Experian isn't looking at the docs I sent them and allow XX/XX/XXXXXXXX to ask for the account to be unblocked without showing any proof verses me I have sent in over XXXX documents supporting my dispute and blocking of the account but Experian gets a message to unblock the fraud account by XX/XX/XXXXXXXX and they do it without showing any proof. This isn't right nor im I putting up with is mess. I talked to a special handling fraud agent today and he stated nothing I send in will get this account blocked again. So Experian is takingXX/XX/XXXXXXXX XXXX side without any proof. XX/XX/XXXXXXXX XXXX want even talk to me because I suedXX/XX/XXXXXXXX for fraud application to allow someone to use my identity to receive a auto loan with out verifying me and allowing XX/XX/XXXX XXXX to do financial Ruins on me. My police report shows I wasn't even in the country from XX/XX/XXXX through XX/XX/XXXX so how can I be in NC buying a car. Now I'm losing {$400000.00} deposit I have placed down on my new house and now I losing my house and deposit because of this matter. If Experian doesn't remove and block this account of XX/XX/XXXXXXXX I will file legal action against Experian like I didXX/XX/XXXX XXXX. I'm the victim here and im losing everything I have because Experian is being one sided in the investigations process.
Product: Debt collection

SEQUIUM ASSET SOLUTIONSXXXX XXXX collection record ( # XXXX ). {$120.00} the collection is not accurate as its time barred. I received no communication prior to it hitting my credit that would have allowed me to review the validity of the debt. Had you have received that I could have addressed it earlier.
Product: Credit reporting or other personal consumer reports

When explaining debt on a credit report to a creditor, its important to provide a clear, concise summary that reflects the individual 's financial obligations and their payment history. Heres a general template for an explanation : -- - **Subject : Explanation of Debt on Credit Report** Dear [ Creditor 's Name ], I hope this message finds you well. I am writing to provide an explanation of the debt listed on my credit report, which I understand is an important factor in the evaluation of my creditworthiness. 

The debt in question refers to [ insert specific debt type, e.g., a credit card, personal loan, auto loan, mortgage, etc. ]. Below is a brief overview of the circumstances surrounding this debt : 1. **Account History** : - The debt was incurred on [ date ] with [ name of lender/creditor ].

- The initial loan amount/credit limit was [ insert amount ], and the terms of repayment included [ mention key terms such as interest rate, repayment schedule, etc. ].

2. **Repayment Challenges** : - [ If applicable, briefly explain any circumstances that caused difficulty in repaying the debte.g., job loss, medical emergency, economic hardship, etc. ] - [ If relevant, mention if any temporary deferments, forbearance, or payment modifications were granted by the creditor. ] 3. **Current Status** : - As of [ date ], the outstanding balance is [ insert amount ], and the account is classified as [ current, delinquent, charge-off, etc. ].

- [ If the debt has been settled or partially paid off, provide details of any agreements made, including amounts paid, settlements, or payment plans. ] 4. **Efforts to Resolve the Debt** : - I have made consistent efforts to resolve this debt, including [ mention any steps taken, such as contacting the creditor, entering a payment plan, or settling the account ]. 
- [ If applicable, mention any payments made or any agreement that was reached with the creditor regarding the debt. ] 5. **Current Financial Position** : - I am actively working on improving my financial situation by [ outline steps taken to improve credit, such as budgeting, paying down other debts, or seeking credit counseling ]. 
- I am committed to clearing this debt and have made [ mention any recent positive actions taken, like timely payments, debt restructuring, etc. ]. 

Please let me know if you require any further information or documentation. I am fully committed to resolving this matter and improving my credit profile. I appreciate your understanding and consideration as I work to address my outstanding obligations. 

Thank you for your time and attention to this matter. 

Sincerely, [ Your Name ] [ Your Contact Information ] [ Account Number, if applicable ]
Product: Credit reporting or other personal consumer reports

The identified transactions on my federally protected consumer file are not transactions furnished on my consumer file by me. no consent is identity theft. these federal laws are to be followed and must not be broken and i have been violated of unlawful acts by XXXX, XXXX transunion and the furnishers of this information. 15 USC 6802 obligations with respect of disclosure of personal information B ) ( 1 ) ( a ) ( b ) ( c ) never was given OPTIONS. they do not have no disclose form i have right to privacy. i have provided necessary documentation of federal consumer protected law which the cra is govered by. 15 USC 1681B ( a ) ( c ) ( 2 ) the unlawful act they have committed needs to be changed before seeking remedy in exchanged. This is the start if an administrative process if this identity theft of my NONPUBLIC personal information is not removed off the file. SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting To Whom It May Concern, I am filing a formal complaint against Ally Financial for inaccurate and unfair reporting of late payments on my credit report. 

Details of the Issue : Creditor : XXXX XXXX XXXX XXXXr XXXX Issue : Late payments incorrectly reported as 3060 days late Credit Bureaus Affected : XXXX, XXXX, Equifax Date ( XXXX ) of Late Payments Reported : XX/XX/year>, XX/XX/year> Reason for Dispute : Inconsistent Reporting : My account has different late payment statuses across the three credit bureaus. 
Unverified Late Payments : XXXX XXXX has not provided proper documentation to confirm these late payments. 
Proof from My Credit Report : I have attached a screenshot of my credit report showing the late payments. This serves as evidence of discrepancies across the bureaus. 
Failure to Respond to Dispute : I previously disputed this with the credit bureaus and XXXX XXXX, but the issue remains unresolved. 
Requested Resolution : I request that these late payments be removed or corrected from my credit report since they appear to be inaccurately reported or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), if Ally Financial can not fully verify the accuracy of these negative marks, they must be deleted. 

Supporting Evidence : Screenshot of my credit report highlighting the disputed late payments. 
I kindly ask for a thorough investigation into this matter and expect a resolution in accordance with FCRA guidelines. Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance in correcting inaccuracies regarding late open accounts and removing late closed accounts from my credit report. Despite thirty-seven previous attempts to resolve these issues directly with the credit bureaus and creditors, the inaccuracies persist, significantly impacting my creditworthiness. This letter marks my thirty-eighth attempt to resolve these issues, and I am in dire need of your intervention. Despite my repeated attempts to dispute these errors and provide extensive documentation, the inaccuracies remain uncorrected. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must ensure the accuracy and completeness of the information they report. I am now seeking for the intervention to ensure these inaccuracies are corrected immediately. The failure to rectify these errors has caused significant harm to my financial standing, and I am prepared to take legal action if necessary. Kindly help me correct or remove the following accounts immediately XXXX XXXX XXXX XXXX XXXX  Balance : {$380.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Product: Debt collection

Dear Sir, I have a one Month past due on my credit card payment. 
The bank unilaterally withdrew {$1000.00} from my checking account and applied it to a credit card number which is no more active - but did send the money to the current the credit card. 
-There is NOT part of a scheduled / recurring payment plan -This not an E-bill 1.i went to my bank and a agent called customer care which could not justify the withdrawal or provide authorized document signed by me. 
2.I sent them a letter to my bank agent enquiring about the withdrawal and asked them the return of this amount. 

3.i received a reply letter from the bank with NO RETURN ADDRESS and NO specific person to address the mail as it was written " Speciality Claims research and Resolution '' stating the below : " what you need to know " " we are unable to return {$1000.00} at this time because your account is currently past due, over the credit limit or both
Product: Mortgage

I applied and was approved for a refinance through Quicken Loans AKA Rocket Mortgage. I had to pay the appraisal fee of XXXX and was told by XXXX who was my point of contact through the process I would receive a refund for the amount if the loan was not able to go through due the company, I was informed on Monday XX/XX/2021 that they will not be able to provide the loan at the terms we initially agreed too and the other options were not in my best interest and the cost of the appraisal would not be refunded. I spoke with 2 escalation specialists who were not able to assist as I stated they should not request an appraisal until all the other paperwork comebacks as all clear and they advised they request it right away because it can take up to 6 months for the appraisal, meanwhile Rocket mortgage advised we would be able to close within 4-6 weeks.
Product: Student loan

Applied for student loan forgiveness as Ive been working as a public school teacher for over 10 years and it was denied. Ive paid on time for over ten years but even after the Biden administration said the forgiveness program was reformed I was still denied. For some reason the company says my monthly payments do not qualify. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft AM HONDA FIN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Original Creditor XXXX XXXX XXXX  ) Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  XXXX NA Date of inquiry : XX/XX/XXXX This is not mine. 

12.Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit card

On XX/XX/XXXX or XXXXXXXX XXXX, I received a letter from Barclays informing me that they increased my credit line to {$21000.00} from {$18000.00}. I didn't request this increase. At the bottom of the letter 's signature was written in tiny text, " P.S. If you prefer to return your account to its original credit line, please contact us at the number shown above. '' I called XXXX to ask that Barclays return my credit line to it's previous amount. The person I spoke to asked me to unfreeze my credit and allow Barclays to run a credit check. I declined, at which point the person said she was unable to return my credit line to its original amount. I asked why they needed to do that since the increase was given without unfreezing my credit or doing a credit check. She didn't know and transferred me to the credit department. The person I spoke with there simply verified my name and was able to make the adjustment to my account as I asked. He didn't know why the previous person I spoke with wasn't able to do it that easily without unfreezing and credit checking. I asked him to follow up with his supervisor so the other people knew it wasn't necessary to do those steps. It appears deceitful to try to make people unfreeze credit and allow credit card companies to run unnecessary credit checks.
Product: Mortgage

FRUSTRATION SETTING IN! 
Defaulted on my mortgage due to unexpected loss in income and eventual job loss. Loanowned by XXXX XXXX and unfortunately the servicer was XXXX Bank and nothingwas no modification was achieved due to XXXX 's delays and poor servicing procedures. 
I requested Unemployment Forbearance, but my request was never acted on. All of XXXX and half of XXXX passed and then I was notified that servicing was being transferred toGreen Tree LLC. ( non bank servicer ) Again starting all over with request for creativeloan modification, extension, mortgage principal reduction, lower interest and longer terms. 
Told " Not Eligible for : Hamp ' because my account was originated after XXXX XXXX, XXXX. 
Only eligible for Freddie Mac Standard Trial Period Plan. According to the Trial Planpayments are required to be between 10 % and 55 % of our gross monthly income. Ourpayment was to be 39.93 % of our gross which was calculated to be XXXX. This wasnot manageable and was actually higher than my original mortgage payment before ourdefault. We do have income and response was " Why not 10 % of our gross which wasmanageable. My suggestion fell on deaf ears at Green Tree. This and mortgage principalreduction is what we need to remedy our situation and avoid foreclosure. I have yet tosee a Modification offer which really reduces our payments either temporarily orpermanently. I am worried about " dual tracking ' and having to many single point contactswho really have no power to solve the situation. I hope that XXXX XXXX new program '' MyCityModification '' will include mortgages with a value over {$250000.00}. Our currentprincipal balance is {$280.00} We are in XXXX XXXX. I believe each personsreasons for default differ and each should be dealt with on individual basis to helpavoid foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from identity XXXX to check the reason Iwas denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These account do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$430.00} LXXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$760.00} XXXX XXXXXXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$670.00} XXXX   XXXX {$830.00} XXXX XXXX {$93.00}
Product: Debt collection

To : Transunion, XXXX and XXXX I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and Third Party Creditor XXXX XXXX have violated several consumer laws which I will disclose what statute has been violated. Transunion, XXXX and XXXX has also violated several consumer laws. 

But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against you.
Product: Debt collection

Dont no this creditor or had any communication with this company information is wrong put a bill on my credit report that I never had fraudulent information on my Transunion credit report XXXX XXXX {$510.00} asked company to remove it fraudulent information XXXX XXXX company do not exist anymore
Product: Debt collection

Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX I have repeatedly requested information every month about this debt in writing only to be told that it is classified information that I need to pay it. They call all hours of the day, are very rude and vulgar, calling from many phone numbers. They have threatened Jail time, bodily harm, and to take out an ad in the local paper. They have demanded payment for {$5300.00} since XXXX 2012, every month I get the same letter. Every month I have sent in a written letter requesting information. Now they are calling my family members and telling them about this debt and threatening jail time for them if they do n't make me pay this debt. I have tried to work with them to get information and they refuse to give any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called XXXX IN LAST THREE DAYS, But no one seems to want to help and kept passed on to different department so at end of each called, left me on hold and nobody reply back to me. 

If anyone of you getting denial of over 20 applications for a credit cards, you would be concerned. Yes, I made mistake for not paying a few credit cards that I owe, but I had talked to the bank that I owe already and let them know already. Therefore, the next thing that came in my mailbox was debt collector asked for the money I owe, which is originally from Bank of America. 
So, I took a couple of days to scanned through all the laws, right, etc. About CFRA and study on how financial system and how it works. So, the first thing I did was checking my email and there was a statement about if you get denial of an application. You have the right to ask them which company name address and phone number. So I learned that you have the right to ask them WHAT is in my file? From there on which is thtee weeks from today. 

So I did what I had to. " Sometimes you have to do it yourself '' after I had hired two credit repair companies to help me out. One of the company is call XXXX XXXX XXXX. I had them three months and nothing but wasting my money {$120.00} a month. So I cancelled that. Few months later, I hired XXXX XXXX XXXX. Last two days. I like it short. 

However, thank you very much from the big brother, which is the CFA that distributed the statement " you can sue them if they don't have correct information in you file. 

I just want them employee to do the right thing for our consumers, because of all the mess they left in my file. For the last three weeks I'm consistently on the computer and phone trying to get this fixed. Here is two items that I had in my file from XXXX. 

1 ) Fraud alert that stated will stay on file for a year. The date for this fraud alert is XX/XX/XXXX. The phone number to call to wasn't mine. It was XXXX-XXXX-XXXX. 

2 ) I also, have a premium protection on XX/XX/XXXX. 

Both of these protections are either changed or removed. I do have documentation for these if need I will definitely send to the laws. Thanks, XXXX XXXX. PS I might get in trouble for doing all of this work ok no my job too. XX/XX/XXXX. 

I know this is happening to a lot of innecent people out there and they probably panic and would not know what to do. 

A message from XXXX, Do Not Dare To Play With The USA Laws and Regulations. XXXX
Product: Mortgage

Home damaged by hail storm XXXX/XXXX/XXXX. 
Check amounting to {$23000.00} received from XXXX XXXX on XXXX/XXXX/XXXX. Check forwarded to mortgage company RMS, XXXX XXXX XXXX, XXXX, TX XXXX, telephone # XXXX, Loan # XXXX, Date of funding XXXX/XXXX/XXXX. Property address XXXX XXXX XXXX, XXXX, TX, XXXX. Mortgage is a reverse mortgage. 
RMS acknowledges receipt of funds but will not release any funds to insured party. RMS also advises that only 50 % of funds will be released to insured party. No firm date is provided as to release of insurance funds. RMS also indicated payees on check will be Contractor authorized to perform repairs and insured parties indicated on insurance policy. 
Today is XXXX some 12 days after funds were forwarded to RMS.
Product: Debt collection

My Consumer Rights have been and continue to be violated 15 U.S Code 1681b- Permissible purposes of consumer reports States that the only way a consumer reporting agency may furnish a consumer report would be in the response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceeding before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. also, in accordance with the written instructions of the consumer to whom is relates. I have never given written instructions nor have i received the order of a court for this to report on my consumer report