23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/XXXX
Product: Mortgage

I applied online yesterday ( XXXX XXXX ) to get preapproval for a mortgage or loan to buy a foreclosure. I can not remember exactly which website this one was connected with, but I received an email this morning stating that they could help me, and to call their number. I called, and they actually agreed to increase the loan amount to be able to cover the whole price of the house I wanted to buy. We were disconnected because of issues on their end, so I emailed them back. After a few minutes, " XXXX '' called back and asked for my bank login information so that they could " link with their system to deposit the funds ''. I hung up on them, and Ive called the company they were reporting to be from. OneMain didnt even have my application on file. The email the messages were sent from is  XXX  XXXX and the telephone number used to get into contact with them is XXXX XXXX XXXX XXXX XXXX. 
My email is XXXX and my cell phone is ( XXXX ) XXXX. My name is XXXX XXXX, if you have need to contact me, I will save the emails for 2 weeks, if you need/ want them.
Product: Debt collection

Collection agency garnished my wages in XXXX. The original debt was about {$2400.00}. Every two weeks my employer takes {$480.00} from my paycheck. They have never sent me a statement until I asked on XX/XX/XXXX. After review it appeared they are taking about XXXX  % in " fees '' payable to them. I've asked three times for an accounting of how and where my payments were applied. They offered to reduce my remaining balance by half but still won't provide an itemized accounting. Also, they are charging me duplicate fees for various items such as " garnishment fees ( 4 times ), " small claims fees ( 3 times ), and man other repeat fees. The last fee on the statement is {$15.00} for Notary Fee and added to my account on XX/XX/XXXX. Their failure to provide an accounting, and offer to reduce my remaining debt by XXXX  % tells me something is not right. They've been in business since XXXX. I have their emails to me if needed. I am attaching a copy of the statement they sent me on XX/XX/XXXX. 

I hope you can help resolve this matter and get them to return the overcharge of fees. 

Many thanks, XXXX XXXX
Product: Mortgage

I completed a Loan Forbearance agreement with Flagstar Bank beginning on XX/XX/XXXX I expected the Forbearance to last 3 months and that the best option for me would be to add the missing payments to the end of the loan period. 

During the Forbearance agreement time period I was subject to harrassment ( in the form of system phone calls asking me to call their 800 number immediately ). 

In XXXXXXXX, during one of those return calls, I agreed to end the Forbearance in XXXX, XXXX with an extension of payments of 3 months at the end of the loan period. I was told I would receive a letter documenting this conversation and agreement and it was never received. 

I continued to receive the same phone calls and repeated myself to the customer service rep each time, that I had agreed to end the Forbearance in XXXX with the 3 months of payments added to the end of the loan. Each time I was told that a letter would be sent with this explanation but none was ever received. 

Finally, on XX/XX/XXXX, during another phone call and return to Flagstar, I was told that a letter had been sent on XX/XX/XXXX ( I had not received it ) detailing the terms. Since a payment was going to be due on XX/XX/XXXX and my online account did not reflect the agreement the Flagstar rep told me that I could pay the amounts online and it would be resolved as part of the agreement. 

On XX/XX/XXXX I paid the total amount 'due ', representing 4 months of payments as I assumed that it would all get worked our per the rep 's input. 

On XX/XX/XXXX I received the letter dated XX/XX/XXXX with a phone number to reply, I called the phone number and the rep was unable to resolve the issue with applying the payments forward per the agreement. I was also told that these payments should have been made 'by phone ' for 3 months, something that had never been mentioned before. If that was the case then the Flagstar portal should not have accepted the payments. The rep said he would research all of this and reply with an hour by phone, I have not received a return phone call. 

All I want is for Flagstar to live up to its agreement to move the payments due during the 3 month Forbearance to the end of the loan and apply the 4 payments they received on XX/XX/XXXX to the months XXXX, XXXX, XXXX, and XXXX of XXXX. I also don't want them making any claims against my credit ( per the law ). They seem far more interested in harrassment and not providing the truth than anything else ( certainly not a fair resolution of my situation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint is a follow up of my recent CFPB complaint I submitted to the Credit Reporting Agencies requesting the removal of the fraudulent accounts and information completely from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint ot protect and execute my rights under the Fair Credit Reporting Act. I aso sent dispute letter to the Credit Bureuas dated XX/XX/XXXX, and I will be waiting for the Credit Bureaus respoonse. In the event the Credit Bureuas do not comply with my requests under the provisions of the FCRA, please udnerstand that I will be filing a lawsuit. Once again, I am requesting that the Credit Bureaus remove the following accounts from my Credit File as soon as possible : 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 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 Inquired on XX/XX/XXXX. If the Credit Bureaus claim that the disputed items belong to me, I request that the Credit Bureaus remove the disputed accounts completely from my Credit file as soon as possible. In the event that the XXXX XXXX are unable to send me copies of documents I seel, please remove the disputed items as soon as possible.
Product: Mortgage

My mortgage was sold to Select portfolio servicing early in XXXX. Everything was fine untill XXXX XXXX  when they did ACH payment from two accounts instead of one and I called them to request one account to be refunded. They refunded one of the payments but now they claim I missed my XX/XX/XXXX payment and put me on default and my property on pre foreclosure. At this point they adjusted my rate at 20 % and they wont let me make payments until i came up with XXXX so i can catch up. I called millions of times to ask for help and audit but no one helps. We did pay our payments on time until XX/XX/XXXX when they stop letting us make regular payments and purposely putting us on default for the incoming months. Customer service is not helpful and rude and the managers can clearly see that they got our XXXX.payment but miss to include it in the payment history. Its an accounting error on their side but they dont fix it. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have someone else name on my credit report from Experian. I have reached out to them via Mail with documentation and received back that I have changed my name and they will do nothing about it. I have not changed my name and that this person is on my credit report and has the same last 4 numbers of social security as mine. This is clearly Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1618 section 604A it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act convergent account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1618 section 604A it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX to the beginning of XXXX XXXX I have mail 9 disputes to TransUnions related to the following accounts : 1. XXXXXXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance {$2000.00}, Credit Limit {$2300.00} ) 2. XXXXXXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance {$3300.00}, Credit Limit {$3200.00} ) 3. XXXX ( XXXX, Date Opened XX/XX/XXXX, Balance {$130000.00} ) 4. XXXX XXXX XXXX ( XXXX, Date Opened XX/XX/XXXX, Balance {$7500.00}, Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) 5. XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$8400.00} ) 6. XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$2500.00} ) 7. XXXX XXXX XXXX ( XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$10000.00} ) The accounts are not mine and they have fail to provide any verification which I request multiple times. 

Attached are the letters I sent to TransUnion
Product: Debt collection

XXXX  had sold this dept that was deemed not to be mine to another company. I disputed and it was removed immediately but it seems it was sold again for the exact amount that was never owned by me. I have prove of the the dispute that was already resolved and now is showing on my report again. Please help.
Product: Mortgage

Midland Mortgage acquired our mortgage in XXXX of XXXX. We were already in a loan modification process with our previous servicer, XXXX. We immediately started over with that process with Midland. 

In XXXX of XXXX, as part of the loan modification process, we were asked to make a payment to begin finalizing the process. 

We then made three trial payments in XXXX, XXXX and XXXX of XXXX as part of the loan modification process. 

In XX/XX/XXXX, we completed the loan modification process. We have made on-time, regular mortgage payments ever since the loan modification was completed. 

In XX/XX/XXXX, we tried to refinance our mortgage through another lender. The lender said we had four months of 120 days late on mortgage payments on our credit reporting. When we looked at our most recent credit report from XXXX, we saw that the four months reported as late were the months where we paid Midland as requested by the servicer. 

We reached out to Midland to get this corrected. We were told by a supervisor that it was Midland 's policy to report loan modification borrowers as late when those borrowers made the trial payments and fees as requested by Midland. We were told we were " not meeting our contractual obligations '' and therefore Midland would not remove the negative reporting from our credit. 

This is entirely unfair. We followed every step of the process as requested by Midland. We did what we were supposed to do. Now our mortgage servicer wants to punish us for doing the right thing. 

Outside of our personal situation, we are horrified that Midland would do this same thing to the many homeowners who may be struggling due to the COVID-19 pandemic and seeking a loan modification. The choice should not be, follow the process set out by Midland, keep your home but have your credit punished for following those rules, OR lose your home in foreclosure. 

That's what Midland told us. " You didn't have to take the loan modification '' The supervisor set up that stark contrast for us when we asked them to take the negative report off our credit. 
At no point did Midland tell us it would be negatively reporting us to the credit bureaus for following the loan modification process set out by the company.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 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 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 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: Debt collection

This is a collection scam. I believe XXXX is probably doing this on a massive scale and involves XXXX contacts in XXXX. I sold a computer on XXXX and was never paid. I file a claim with XXXX which was never honored. Now XXXX comes up with this mysterious charge and refers it to a collection agency destroying my credit rating unless I pay this extortion money.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : CITIZENS ONE XXXX
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"
Product: Debt collection

I have 2 Capital One Bank and XXXX XXXX XXXX reporting on my credit report and these accounts do not belong to me. I have written both companies several times and they both fail to send me any type of agreement between me and Capital One Bank. I have been contacting them both for over a year. One account credit limit say XXXX, previous balance is XXXX and new balance is XXXX the other account from Capital One Bank sent two different invoices with the amounts of previous balance XXXX XXXX with a new balance of XXXX with fees and interest charges of XXXX the other invoice that is associated with the same account has a credit limit of XXXX, previous balance of XXXX and new balance of XXXX interest charged XXXX. I have security alerts with the 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  Lied and is Retaliating against me as a XXXX XXXXXXXX XXXX XXXX  and did not update my Equifax Credit Report " Payment Status '' ... The Balance only showed XXXX because you Sold it to be collected on. My Credit Reports are not showing that the Account was Paid based on the documentation provided to XXXX XXXX and Equifax. XXXX XXXX knows that the Algorithm is located in the " Payment Status '' not the Balance being XXXX only ... My XXXX Report showed a XXXX Balance last month but XXXX XXXX still did not update the " PAYMENT STATUS '' Section which is Reflected on My XXXX Report. They are still Retaliating and Discriminating and Undermining my Intelligence as a XXXX XXXX XXXX and U.S. Veteran. My Scores are still being Negatively impacted by XXXX XXXX based on how they are reporting to the Equifax Credit Bureaus ... They need to update all Credit Reports to show that the Payment Status as " Settled and Paid in Full '' I paid # XXXX on an account which as only {$2000.00} owed. but when they turned it over to XXXX XXXX XXXX, after XXXX XXXX in Bankruptcy, they still attempted to collect through XXXX & XXXX! I paid the Account, and my Credit Reports need to be updated in the " PAYMENT STATUS '' Section and NOT Only in the Balance section of the Credit Reports.
Product: Debt collection

Since XXXX of I have been receiving calls from a company called Northwood Asset Management Group or NAM on a payday loan I owe with XXXX XXXX XXXX. I contacted XXXX XXXX and they said the loan had been discharged to NAM. I agreed to an agreement with NAM for a payment plan and NAM withdrew the funds from my account on XX/XX/XXXX. When I went to find a web address for NAM I could not find one at all. All I found was complaints about this company and that they may be fraudulent. I placed a stop payment on further withdrawals until I could receive a letter in writing from this company. I have since been repeatedly contacted by a man named XXXX XXXX who has contacted me at work and threatened legal action and wage garnishment. He has also contacted my parents as well trying to get a hold of me. He did send me a PDF file which I have attached but has never sent me anything in the mail and always calls from different numbers. I want to get this debt resolved but I want to make sure the money day I am paying is actually going to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$590.00}, XXXX XXXX Inquired on XX/XX/2021, FACTUAL DATA Inquired on XXXX XXXX, XXXX, T2 FINANCIAL Inquired on XX/XX/2021 are reporting on my personal credit file with ( XXXXTransUnion XXXX credit reporting agency. These items was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Credit card or prepaid card

I made a purchase using my USAA Cash Rewards Credit Card of {$630.00} on XX/XX/2019. I had a promotional balance of {$3000.00} with an APR of 0 % at the time of the purchase. On XX/XX/2019 I made a payment of {$870.00}. This payment was applied to the promotional balance, and only {$69.00} was applied to the purchase, with the remainder being subject to a 15.15 % APR. This appears to be in violation of Section 104 of the CARD Act of 2009. The payment should have been applied fully to the amount subject to the higher interest rate, and then to the balance with the 0 % interest rate. The company responded that payment allocation can not be changed, and that the balance will continue to accrue interest.
Product: Consumer Loan

I have been sending " overage '' payments above my monthly financed contract to Kia Motors Finance USA. I have written them several times to indicate how my payments should be applied and requested that all payment amounts above my monthly finance statement should be applied to Principal Balance Only. I asked this company to confirm my request, and they continue to send me the same thing instead of confirming that my payments will be applied as instructed. In addition, they are reducing my next scheduled payment amount and using my over-payment to apply to future interest instead of as instructed.