23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband, who is the sole provider of my household, owns a travel agency which has been directly impacted by the covid-19 pandemic, resulting in financial hardship for our family. I have communicated this information to my mortgage lender - Rushmore Loan Management Services - both verbally and in writing, asking for a forbearance plan for our mortgage payments. They provided us with a payment deferral plan from XXXX ; however, when I asked for an extension of the existing payment plan or to be put into a forbearance plan due to our pandemic-related financial hardship, they mailed me a multi-page package requesting detailed information about my monthly income and expenses, as well as a copy of paystubs, bank statement from all my accounts, signed and dated tax returns, and last 3 months of Profit and Loss Statement signed and dated, among other things, in order to review and determine my qualification. 
I would like to know my rights in this situation and if I am indeed required to provide the information requested on this packet in order to receive a forbearance from my lender, because according to CFPB 's website " Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, and guidance from federal agencies and the GSEs, there are two protections for homeowners with federally or GSE-backed ( XXXX XXXX or XXXX XXXX ) or funded mortgages : First, your lender or loan servicer may not foreclose on you until at least XX/XX/2020. Specifically, the CARES Act and the guidance from the GSEs, the FHA, the VA, and the USDA, prohibit lenders and servicers from beginning a judicial or non-judicial foreclosure against you, or from finalizing a foreclosure judgment or sale. This protection began on XX/XX/2020, and extends through at least XX/XX/2020. 
Second, *****if you experience financial hardship due to the coronavirus pandemic, you have a right to request and obtain a forbearance for up to 180 days. You also have the right to request and obtain an extension for up to another 180 days ( for a total of up to 360 days ). ***** You must contact your loan servicer to request this forbearance. There will be no additional fees, penalties or additional interest ( beyond scheduled amounts ) added to your account. *****You do not need to submit additional documentation to qualify other than your claim to have a pandemic-related financial hardship. ****** '' Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is fraud i reported it to them multiple times and stiil have not gotten a response and they have not fixed it yet its been 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraud on my credit report due to inquires unauthorized by me. I contacted all 3 credit bureaus and they would not remove the unauthorized inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

SunTrust Bank placed a negative hit on my credit report. My former husband illegally obtained a equity line of credit on a rental property that we owned with out my permission. He did this with the bank employee who was also the notary. The property eventually went to foreclosure and I was not able to make the payments due to the 2 mortgages on our primary home. My former husband abandoned me and left me with all the debt. All I am asking is for SunTrust to remove the negative credit hit so that I may move forward with a refinance on my home. They refuse to comply. I have sent them documents to support my case but they still refuse. I have sent them the following : a police report, an identity theft report, a deposition excerpt from the notary who admits she never saw me sign the equity line of credit. The property after a year went to foreclosure and then auction. SunTrust was fully paid the amount that was due on the loan. I have the letter of satisfaction. I also have a letter explaining my situation that I sent to SunTrust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, disputed errors with Equifax that werent in metro 2 compliance and is in violation of the FCRA also pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates Equifax Never got my express written consent to report anything and now they must correct all the errors disputed in attachment so that they dont violate the FCRA
Product: Credit reporting

There are HARD inquiries being reported from the following companies on my credit and Experian is refusing to remove them even after I called the companies and they advised they had no information on me or any inquiries. My information was used without my authorization. 
Companies : The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Product: Payday loan, title loan, personal loan, or advance loan

I took out a " Credit Builder '' Loan with Moneylion in the amount of {$1000.00}. I received {$600.00} of that money up front and the other {$400.00} was put into a escrow account until I paid the loan in full. I paid the loan in full XX/XX/year>. I was told I would receive the credit reserve funds upon successfully paying off the credit builder loan, which I have. I was told it could take up to XXXX business days. Now I'm being told the money was deposited into an account that is not my bank account. Not sure where they sent the money I am owed. I not only want this resolved, but I want to leave the complaint up even after the company makes it right. They earned the reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered only through social media and the general news on or around XX/XX/XXXX, that Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, DL, and credit history, if not more. This was the result of a data breach in XX/XX/XXXX th
at they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I have good credit. I will now need to monitor and pay out the nose for protection for the next 50+ years because of negligence, greed and neglect. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. 

They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Checking or savings account

in XXXX  a 9 month cd was taken out for collateral the collateral no longer is needed, but Bank of America refuses to close my CD. the amount is {$200000.00} XXXX i hasve spent numerous hours at the local bank and on the phone and no one has the knowledge to close the CD and transfer to checking
Product: Credit reporting or other personal consumer reports

The following debts below are not mine. Please note my name is XXXX XXXX XXXX and my phone number is XXXX as verified by this CFPB account to file this complaint. 

Experian REMOVE THE FOLLOWING INFO FROM MY CREDIT REPORTS THAT IS NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

See evidence of my id enclosed
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation
response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies from this credit agency as well as XXXX XXXX XXXX XXXX Account number XXXX XXXX
are violation of several laws. 15 U.S.Code  1666b - Timing of payments (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 required by section 1637(b) of this title is mailed or delivered to the consumer not later than
21 days before the payment due date. (b)Grace period If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Since this credit agency has stated they have verified that these late payments.
Problem with personal statement of dispute payments is validate this means they have the certified mail green label receipts to show the company 
has followed the law of 15 U.S. Code  1666b
- Timing of payments in order to report late payments on my credit report without this proof from the credit agency and reporting creditor these late payments are fraudulent and against the law to be on my report. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the
CFPB, FTC and my state attorney general. As well as the following Please provide: 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual furnishers information. 3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

I have recently filed for a validation of debt from Transunion and XXXX XXXX XXXX for a debt that was placed on my credit report. I received a letter from Transunion today stating the debt was verified without the validation documents deeming what was used to verify this debt. This debt was opened per Transunion on XX/XX/XXXX. This debt was also posted to my credit file on XX/XX/XXXX per Transunion report. At what valid time did this agency contacted the consumer to validate rather the debt is theirs or not. This agency just inserted information on a report the same day the account was opened so there is no way this agency or the collection agency contacted me the consumer which is a CLEAR violation of FCRA LAWS. Secondly, the collection agency posted the debt owed was {$600.00} XX/XX/XXXX. Today, the collection agency posted debt owed {$540.00}. There is no documentation of myself making ANY payment to this company. There is no documentation of payment received on this report even though the balance decreased. There are so many RED FLAGS of discrepancies yet Transunion validated this item. HOW? I do not owe XXXX XXXX XXXX and will NOT pay someone without a binding contract of debt owed. This is the reason i asked for validation because i know i do not owe this company. I have NO contract or any relationship with this company. I also still of today received NO VALIDATION OF DEBT ater involving this company CFPB on XXXX XXXX, XXXX. It is now XX/XX/XXXX and still neither Transunion or XXXX XXXX XXXX provided this information 60 days later upon asking. Please delete this account as i will NOT pay it. 

XXXX. XX/XX/XXXX i filed a complaint with the CPFB against Transunion and XXXX XXXX XXXX. CPFB gave the companies 60 days to respond. XXXX XXXX XXXX did NOT respond. Transunion responded today XX/XX/XXXX that the account with XXXX XXXX XXXX was verified as accurate without providing validation of debt as asked. 

XXXX. 30 days later after my dispute, XXXX XXXX XXXX was deleted from my transunion credit file on XX/XX/XXXX. XXXX weeks later On XX/XX/XXXX XXXX XXXX XXXX  was re-inserted on my credit report without any notice from this bureau or XXXX XXXX XXXX. When re-inserting data back onto someone credit report you have 5 days to give notice as to why this re-insertion appeared back on the consumer report. I have yet to even received validation of debt, and i for sure didn't receive a notice of re-insertion of debt back onto credit profile. 

XXXX The timeframe given by the CFPB to provide validation has passed. I have yet to receive ANY information at ALL from TransUnion validating this debt. I ONLY received a secure message that the account was verified. I have received NO notice of re-insertion of debt. NOTHING,,,,,,,, I have pulled this account and have attached my rebuttal for review. Now i think it's time to move forward with legals because i am not receiving validation as i can legally ask and it should have already been provided. 60 days is a long time to give someone for validation. Yet, i have not received it.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX CARD XX/XX/year>XXXX XXXX HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This debt was paid through my insurance and I have called United Revenue Corp several times to explain this to no avail. I have disputed this with all XXXX credit bureaus with no success because URC keeps reporting this as accurate data when it is not even owed to them. I also sent URC a debt validation letter and they never responded to my request but they signed the green card showing that the received the validation request over 60 days ago.
Product: Debt collection

XXXX is trying to collect this amount of money once again after I paid them back on XXXX. I havent had cable with them since XXXX or phone services. They are reporting fraudulently to my credit report and its messing up my purchase power.
Product: Credit card

I took out a Wells Fargo " Home Rebate '' credit card to help supplement the payments to my mortgage with Wells Fargo. Their product description can be summarized in this way : Purchasing goods/services with the credit card will automatically add " points '' and said points will be converted into dollars that are deducted automatically from the principle of your mortgage. The product worked as described. HOWEVER : In less than 6 months, Wells Fargo sold my mortgage, rendering the card useless to me. 

Then, without consulting me or without gaining my permission - they simply changed the type of credit card I had. I went to a local branch and was told " There is nothing you can do about it '' - Basically the company scammed me by letting me take out the card and then as soon as I had a significant balance on it sold my mortgage to avoid me saving hundreds if not thousands of dollars through use of the card over time.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This complaint addresses several unauthorized hard credit inquiries on my credit report, with THREE ( 3 ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. I am deeply disappointed by your inaction. When will EQUIFAX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX opened XX/XX/2017. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Shellpoint Mortgage Servicing regarding Loan, a home equity loan that was fully paid off on XX/XX/year>. 

Despite the loan being satisfied in full and Shellpoint having full documentation of this payoff in their system, my credit reports with all three major credit bureaus still show the full outstanding balance as if the loan remains unpaid. This is inaccurate and a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and timely reporting of account information. 

I have contacted Shellpoint multiple times, and they now claim that they have reported the account correctly. However, they are asking me to provide proof that the credit bureaus are showing incorrect balanceseven though Shellpoint is the furnisher of that information. This makes no logical sense and demonstrates a failure to take responsibility for the accuracy of the data they report. 

This incorrect reporting has already caused harm to my credit standing, and is actively affecting my ability to secure rental housing and access financial services. I am requesting that your office investigate this matter and require Shellpoint to take immediate action to update the account to show a Paid in Full status and a {$0.00} balance with XXXX, XXXX, and XXXX. 

Thank you for your assistance and time. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Hello, Thank you for giving time reading this. 

I have paid off my entire debt with Chase Bank but at the end they have charged me an interest fees which they shouldnt as I hav paid off my credit on or even before the due date. 

I have called them and they said we can not remove this. 

Its an abuse and please help me. 
I paid on the due date of XX/XX/XXXX ( they posted it on that date ) And the due date is XX/XX/XXXX amount of {$87.00} I called them today as I have received the statement with this amount XX/XX/XXXX. 

Thank you for your help
Product: Bank account or service

I live paycheck to paycheck. I check my bank account balance daily if not XXXX a day. The bank I use, Wells Fargo offers online and text banking so it makes it very convenient. The problem is they do not match up. Some of the dates that transaction posts change. For example on XXXX night, the XXXX, I checked my balance through text banking. I had {$380.00} in my account. The next morning, XXXX the XXXX, when I got to work at XXXX I went online and checked my balance and transactions. It still said I had a balance of {$380.00}. At this point I realized I still had XXXX checks outstanding and I needed to transfer money from my savings. I transferred {$1200.00}. That would cover the {$1500.00} in outstanding checks. XXXX hours later I received and email saying my account was over withdrawn. Again, I went online and I see that both those absent checks had cleared but XXXX of those had a date of XXXX the XXXX. That transaction was not on my statement in the morning. They hit me with XXXX overdraft fees. They did it after I transferred the {$1200.00}. I 've noticed some variances in my account before. I noticed that checks and withdrawals move around on the statement. For example, I wrote XXXX checks, XXXX for {$100.00} and XXXX for {$160.00}. According to my text banking the {$100.00} check was posted on the XXXX. But according to my online banking that check was cashed on the XXXX and the check for {$160.00} was cashed on the XXXX. Not to mention that I can not verify what the balance of my account was after each transaction because their online banking is formatted in such a way that it wont allow. It is simply a list of debits and credits and a total at the top. I really feel that Wells Fargo is choosing what dates they want things to post to get more money in fees. I went to the manager and he was unwilling to do anything to help me. I would really appreciate it if someone would look into this. This is predatory, greedy behavior. I should not have lost {$70.00}. I only bring home {$XXXX} a week and I 'm a single parent of XXXX. Thank you.