23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I informed my bank that I was having XXXX and had to pay over {$3500.00} and would not be able to make my payments until I was recovered. I called on XX/XX/2017, and after being told incorrect information several times while trying to pay {$800.00} of {$1400.00} owed, I was finally told I had to pay by XXXX which has a large fee. I asked if I could just pay the full amount on XX/XX/XXXX, they said that was fine & also said they would change my payment date from the XXXX to the XXXX. Then, they repossessed the vehicle on XX/XX/XXXX. I paid the full {$1400.00} plus {$400.00} in fees on XX/XX/XXXX - I called same day to confirm they received the XXXX. payment and to ask about the amount of fees and if my payment date was changed. On XX/XX/XXXX, I got my car back and called again because my online access to see my payment history was still cut off & I still did n't know breakdown of the repossession charges. They said payment would post soon, my payment would change to XXXX, I would get a letter with the breakdown of charges, and my online access would be restored. On XX/XX/XXXX, I got a call saying my payment was late, I said it should have been changed, they said they had no record, but the guy put in the request for the payment change on the phone, said it was granted. I asked how I would know for sure, so he gave me a confirmation number for the payment date change and said I could make the payment on the XXXX no problem. On the XXXX, they said my payment was late and I was being charged a late fee. I asked why my payment date was n't changed, they said it was only effective after I made the payment. I finally got the letter regarding the repossession fees charged in XXXX and gave a written response to the letter demanding a breakdown and receipt of the charges ( even though I had already requested one by phone ). I never received the breakdown of charges. On XX/XX/XXXX, Ally began calling me again saying my payment is late and when told about the CONFIRMATION number for the payment change, said they see nothing on file or saying that it was n't approved. My mom 's and my credit scores have dropped, I have had to pay fees that Ally Auto will not tell me what they are for or provide a breakdown despite sending me a letter quoting law which says I 'm entitled to that information. I have now paid nearly {$1000.00} in fees which Ally refuses to give an accounting for and if I do n't pay, they will repossess my vehicle again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Thank you for all that you do. 

This contact is in regards to a complaint focused on the unethical business practices used on me via " XXXX XXXX ''. I was making payments until one month ( XX/XX/2018 ) I could not due to my over-bearing car and legally forced car insurance plan requirements. I was contacted once about the first missed payment and then I was sent a letter within 30 days that my minute account had been closed by the lender. This is after I had made a {$100.00} payment within the time frame of the first paper mail communication and the last paper mail communication informing of closure. Then I received another paper mail communication for an invoice of the XX/XX/2018 payment. The debt has been purchased by " XXXX XXXX '' and is currently owned by " XXXX XXXX XXXX ''. When attempting to contact " XXXX XXXX '' I was transferred to " XXXX XXXX XXXX '' to settle the debt an spoke to XXXX, XXXX, XXXX ( XXXX ) and XXXX. We discovered that the balance I owe of {$450.00} does not reflect the balance of {$310.00} transferred from the " XXXX XXXX '' statement and I was being asked for too much money in regard to this debt originally presented in the amount of {$470.00} via " XXXX XXXX ''. 

Please feel comfortable contacting me via email/voice/text/etc. 

Happy Sunday, XXXX XXXX XXXX XXXX/XXXX
Product: Mortgage

I started the loan modification in XX/XX/XXXX, theyve misplaced several documents, asking for documents 2 or 3 times. I had to complete the application 2 times now, the underwriter seems not to understand self employment. There is still no decision. 15 years ago we were victims to Predatory lending. Weve made every payment and not decided to short sale or foreclose. But the interest on the mortgage keeps going up, which we cant afford. And now principal will become due in XX/XX/XXXX. Were just asking for the interest to be frozen for a few years until our house is worth what we paid for it.
Product: Mortgage

My mortgage is with  XXXX   XXXX   XXXX . They hired  Loan Care t o handle the escrow money up until   XXXX   XXXX   XXXX    , then  XXXX  hired  XXXX .    Loan Care pai d a real estate tax payment and withdrew the funds out of my escrow, the  City o f  XXXX  did not apply this money to my account. During this time  XXXX  noticed my RE Tax payment was late so they paid the late tax bill and withdrew the money out of my escrow account again not realizing that this is now a double payment.   I have the proof from the city that the money was never applied to my account and i have proof that the money was taken from my escrow twice.   I have tried to reach  Loan Care  and  XXXX   XXXX  has tried to reac h Loan Care. T hey are not returning my calls and they told  XXXX  that the payment was made with other tax payments in  XXXX  check but they are not going the extra step to either give me the check info so that i can research it or call the  City o f  XXXX  themselves to get this straightened out.   they owe me {$1600.00} plus late fees paid to the  City o f  XXXX  and interest to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been my third time trying to deal with this. My identity was stolen please block and remove this account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am rewriting to express my dissatisfaction with the inaccurate information present on my credit file reported by EXPERIAN. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXX XXXX, XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.this account is 7 years old its time to remove it 2.they are reporting as ( ok ) on XXXX and the last date they reported it was on XX/XX/XXXX 3. On XXXX they did not report since XXXX 4. Transunion they are not reporting at all 5. XXXX says the last payment was on XX/XX/XXXX 6.XXXX says last date of payment is XX/XX/XXXX 7. Transunion says the last payment was on XX/XX/XXXX 8. All 3 have different comment on that section This needs to be removed due to fcra Al due to date inaccuracies
Product: Credit reporting or other personal consumer reports

My disputes are with XXXX predatory collection companies. 

Portfolio Recovery XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX, KY XXXX Portfolio Recovery is reporting XXXX accounts ( {$2900.00}, {$2500.00}, {$1200.00}, {$3000.00}, {$1000.00} and {$4500.00} ) XXXX XXXX XXXX is reporting XXXX accounts ( {$2000.00}, {$2200.00} and {$970.00} ) XXXX XXXX XXXX is reporting XXXX account for {$1500.00} Lastly, XXXX XXXX  is reporting XXXX account for {$970.00}. 

Each one of these Collections companies has violated FCRA 609 ( a ) by failing to provide me with FULL and COMPLETE files on all listed collection amounts. Furthermore, after being denied this information, and per my request to cease and desist they violated FCRA 605 ( b ).

Each and every one of these companies have also violated 15 USC 1681 by violation of my Rights to privacy as well as reporting misinformation.
Product: Mortgage

My property is in XXXX, Hawaii and I am very affected by the wildfire disaster. I have not been granted any forbearance all though I have requested one, and I qualified for one as my work place was destroyed in the fires. 
I believe Bank of America and Their investor XXXX XXXX XXXX XXXX  are using the guise of a modification to gain interest income and force me to lose my home with a XXXX ballon payment. 
XXXX XXXX XXXX XXXX XXXX XXXX opened with XXXX XXXX 
XXXX Applied for an was denied HAMP Modification without giving any valid reason. 
XXXX 18 month forbearance due to loss of income from XXXX. 
XXXX Granted Forbearance for {$110000.00} added to XXXX due at end of loan ( Maturity or sale ) XX/XX/XXXX Applied for and was granted a modification due to XXXX related hardship and unaffordable payment ( interest rate was also going up XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Given incorrect information about payments, my XX/XX/XXXX payment was applied to XXXX trail modification. 
XX/XX/XXXX Made XXXX XXXX Modification payment I was never disclosed the terms of the modification until XX/XX/XXXX The terms when disclosed are PREDATORY in the guise of an instrument that should allow me to KEEP my hom, not just for a few years BUT FOR MY LIFETIME. Keeping affordable payments. 
Instead, it creates a huge debt by placing the forbared amount back into the loan. Recasting the loan at a 40 year duration, with a fixed ESCALATED interest rate that starts at XXXX and goes up a percentage each year XXXX until fixing at 8.25 % for the final 4 years, making the payments not affordable and THEN a XXXX BALLOON payment due in XXXX when I should be owning my home outright. 
In calculations this ill provide the investors with MORE interest income then my current loan that would be paid off at the same date the modification would create a XXXX balloon payment. This would mean I would loose my home if I could not produce those funds in some fashion, which is not a reasonable assumption. 

Since this offer is predatory and I was forced into partial payments before knowing the terms, nothing should be reported to agencies as I am still making partial payments as agreed, until an acceptable, ethical and non predatory modification is offered.

I am prepared to take legal action for the many times Bank of AmericaXXXX has failed to provide the relief they have agreed to give to consumers such as myself and taken XXXX of dollars to do so.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information require
d by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

An unknown hacker did a SIM swap and took over my SIM card with my cell phone number. This hacker used my phone number to call my Discover Bank pretending it was me and did 2 fradulent wire transfers of {$150000.00} to an external bank named XXXX XXXX XXXX XXXX and {$100000.00} to external bank XXXX XXXX XXXX XXXX XXXX. Both wire transfers took place on XX/XX/22 which was the time that my phone stopped working. I couldn't text or call anyone starting from the afternoon of XXXX to the evening of XX/XX/22. I changed my SIM card on the evening of XX/XX/22 where there was weird call forwarding set up. When my husband called me, an angry XXXX man with an XXXX accent picked up. We have the cell phone records proving these fraudulent phone calls were made using my phone number. I reported this grand larceny crime to the FBI and with the XXXX. Discover has submitted the 2 recalls to get these funds back. However, due to the regulations XXXX, Discover is telling me that if the recalls are unsuccessful, Discover will NOT reimburse me the funds. 

I never knew this fraudster/hacker. This fraudster hacked my SIM card and used my identity to do XXXX fraudulent wire transfers. And Discover Bank was negligent in not doing a thorough verification process to ensure my identity and negligently approved and processed XXXX outbound wire transfers of {$100000.00} and {$150000.00} to another person to XXXX external banks. 

If the wire recalls are not successful in retrieving all of the funds or only receiving the partial funds, Discover should reimburse me until I get the full {$250000.00} with fees back to my account. 

Federal Regulations e protect against unauthorized electronic funds transfers ( EFT ). And wire transfers are EFT. Therefore, I should recover the full amount of {$250000.00} even if these are domestic wire transfers. 

Discover refuses to cooperate with me in recovering the funds by refusing to give me the account numbers of the external that these funds went to. Discover has been uncooperative and are not making their best efforts to retrieving these funds.
Product: Debt collection

Repeated phone calls on my work cell phone from Debt Recovery solutions after being asked to not call me on this number. Requested information by mail and was informed I would have to settle with them on the phone or I would be subject to legal action. Told them I was not willing to communicate on my work phone and they would have to contact me by mail. Consistently harassed over multiple phone calls. Debt was removed from my credit report and then resubmitted multiple times. I've disputed and had it removed and then a couple of months later it was sold to another debt collector, consolidated the amount and resubmitted it.
Product: Credit card

On XX/XX/year>, I reported fraudulent changes of address in four of our credit cards with Synchrony Bank ( Two Sam 's Club, One XXXX, and one PayPal ). We discovered that the accounts have been hacked FROM the Bank site, and the address changed to XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. We have NEVER lived or had any business in Arizona. The bank was advised and measures taken. 
Today Saturday, XX/XX/year> XXXXET I received email notifications from PayPal in reference to the new card for my XXXX XXXX XXXX account. but the address was AGAIN changed to the AZ hacker one. 
My wife 's and my credit scores have suffered because of this, and from XXXX score we are down to XXXX today. 
We request an investigation before any fraudulent activity or transactions continue. 
We have reached out to the AZ PD and XXXX PD as well to lodge a complaint and document the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXXXXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint here and they responded and refused to remove late status. I found an old email from XXXX of last year stating to reply yes to place loans in automatic forbearance. Which I did but they still reported 90 day late payment in XX/XX/2022.
Product: Debt collection

After checking my credit report recently I began to do more investigating. I discovered several accounts that I am not familiar with. In the past, I have been a victim of identity theft, so I asked the companies to give me more information about the debt. On July 17 I sent the creditor a letter asking for additional information regarding the debt they are attempting to collect from me. They have failed to respond to my request but continue to report the information to the credit bureaus. They are in direct violation of the Fair Debt Collection Practices Act 1692 which states they are to provide this information upon my request or cease collection activity.
Product: Student loan

Navient purchased my student loans from XXXX on XX/XX/2016 ( according to them via phone today at XXXX ). I received correspondence from Navient in XXXX regarding this change & called them to remit my payment. Not only did I make my XXXX payment on time ( prior to XX/XX/XXXX ) but I also paid XXXX during this same initial phone call. Today, I receive a letter from Navient advising that my account is past due since I did n't make my XXXX payment. I immediately call in and the representative tells me I never paid XXXX. I candidly went through the timeline with her ( XXXX Agent # XXXX ) and had her confirm that it is impossible for Navient to imply they notified me in XXXX to send my XX/XX/XXXX payment to them since they actually acquired my loan on XX/XX/XXXX. She verified that I had in fact called in XXXX and made 2 payments immediately. I explained that I did this proactively since the initial rep explained that I would need to set up an online account with Navient for future payments. Since I had never used their system, I went ahead and made the XXXX payment to avoid any issues. I am most upset at the deceptive practice of reporting my account late to the credit bureaus when in fact I contacted Navient and remitted payment not only for XXXX but also XXXX. I think it is also important to note that for the entire time XXXX held my account, I was only late once when I was in between jobs. Other than that, I always paid in advance of my due date. I do n't know the laws regarding account acquisition but I would have to imagine there is some sort of grace period put in place to allow for the transition of accounts. This absolutely ridiculous to me that my account is being reflected as negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my mortgage with XXXX XXXX. I went into covid Forbearance in XXXX of XXXX. I was current with my loan prior to the forbearance. In XXXX of XXXX, I did not extend my forbearance and was ready to continue my payments. at that time, XXXXXXXX XXXX was going to do a loan modification to add the lost payments to the back end of my loan. During that period ( XX/XX/XXXX ) my mortgage was then going to be transferred to LoanCare. 
XXXXXXXX XXXX was unable to complete the loan modification prior to Loancare taking over the loan. Loancare then started the modification on their end and stated that until my modification was complete and all documents signed, I would not make a payment. I received all the modification paperwork and sent it back and resumed my payments as stated in the modification ( XX/XX/XXXX ). 

Loancare has reported my 180 days late for XXXX, which was a period i was still waiting for the modification to be complete, XXXX and XXXX. I will attach documentation to show I have made these payments. The home that this loan is for will be sold next week ( XX/XX/XXXX ). Loancare has not been able to provide information to when this will be corrected and had caused my family to become homeless as i can not get a new mortgage until the negligent reporting errors are corrected.