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

In XX/XX/year>, I applied for a modification to my mortgage with Flagstar Bank. My business had experienced a fire and insurance was taking longer than expected to pay on the loss of use claim on my policy. 

When my single point of contact reached out to discuss my request and to tell me that I was approved for a partial claim, I was promised that my credit report would be updated to reflect no missed payments. After all, I had done my part before I was late and Flagstar was taking 60 days to process the claims. At that time I was also advised NOT to make any payments to my mortgage, even if I had the means to, as it would negatively impact my ability to get a loan modification and I would have to start the process all over. 

I took the advice of my single point of contact thinking this was the protocol for the loan modification, per Flagstat policies, and trusted that my credit report would be noted as such. It was not. When I was later told that I was approved for the trial period and that I needed to make three payments in order to be granted a modification, I was informed that the advisor was wrong. That if I couldve made the payments, I should have and that flagstar would not update my credit report once the trial and subsequent modification were completed. I was ill-advised by my single point of contact. 

As a result, my scores have dropped over XXXX points and with a 60 day late on my mortgage, I am unable to obtain any financing and also unable to get a job in my field as a mortgage underwriter. 

I made a formal request to Flagstar via fax, which they confirmed theyd received, to review the phone calls and please update the reporting as I was taking the advice of my single point of contact who made it seem as though making a payment wasnt an option, at all. Flagstar denied my request. I then requested copies of the recordings from the phone calls. It has been 10 days and my request has not been acknowledged
Product: Consumer Loan

RE : LOANME. These predatory loans should be illegal. I borrowed {$10000.00} in XXXX XXXX making payments {$840.00} per month. In XXXX, XXXX my outstanding balance was XXXX. I paid over XXXX in interest and fees to borrow XXXX for 8 months? How is this legal in California? When I received a monthly statement, there was no information regarding my balance and how much of my payments are going to principal. Apparently XXXX of my payments went towards my principal and interest acccrued daily. This is a rip off and preys on people who are in a challenging time.
Product: Credit card or prepaid card

I closed an account through Comenity Bank that I opened through an Ulta store in XXXX of XXXX. I had never received a card or any other info on the card after I opened it XXXX of XXXX, I believe it was. I only used it on the date I opened it. I finally received a bill from them about the time I closed the account. On XX/XX/XXXX, I paid the balance of {$64.00}. They have been contacting me about late fees on this account after I closed it. I think theyre saying now I owe over {$300.00} on an account with a balance of XXXX when I closed it. For a period of about two weeks, I was getting calls from an unknown number multiple times per day, which I didnt answer or couldnt block because the number wasnt displayed. Finally they called and left a message so I knew it was them constantly calling. The unknown calls still came several times per day. Then I got another call with a message on XX/XX/XXXX and I talked to someone on that day. They said I was two days late paying my final bill so thats why I owe this money. They kept charging me fees when I didnt have an account! I said on this call that I would pay the late fee, but they said that wasnt enough. Now its on my credit report as delinquent. The same thing is going on with a XXXX card I got through Synchrony.I closed the account, asked what the balance was, paid it and theyve been charging me fees while I dont have an account and that is now on my credit too.I always had good credit before I opened two accounts to save a little money. Is this legal? Can you help me with these two matters?
Product: Vehicle loan or lease

CARMAX AUTO FINANCE ACCOUNT XXXX AMT OWING {$2900.00} THEY REPORTED ME LATE XX/XX/XXXX AND XX/XX/XXXX. I LOOKED INTO BOTH PAYMENTS AND THEY WERE PAID BEFORE THE 30 DAY MARK. CARMAX WAS NOT POSTING MY PAYMENTS AND GIVING ME CREDIT ON THE DAYS I PAID, THERE WAS MULTIPLE DELAYS FROM THEM POSTING PAYMENTS FROM THE DAY THE ACTUALLY RECEIVED WHICH LEAD TO THESE 2 PAYMENTS BEING LATE. THEY INVESTIGATED A FEW OTHERS FOR ME THAT WAS LATE AND CORRECTED THEM BUT THESE 2 HAVE YET TO BE CORRECTED
Product: Credit reporting

Transunion has allowed XXXX to do hard inquires without my permission. I researched this company and it went out of business some time ago. 
XX/XX/2015, XXXX/XXXX/15 and XXXX/XXXX/15 hard inquires
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX OF XX/XX/2022 i did not apply with XXXX
Product: Mortgage

In XX/XX/XXXX I obtained a home equity loan through the XXXX XXXX XXXX. Due to economic circumstances I was in default of both my XXXX and XXXX mortgages. The XXXX and XXXX were eventually modified. The XXXX apparently set aside but did not write off a portion of the debt. The XXXX involved a balloon payment that came due XX/XX/XXXX. I had made all post modification payments as required. Now the XXXX mortgage servicer, Nationstar refuses to offer any reasonable reasonable restructuring of the loan and is demanding payment in full. I have received a letter from an attorney stating they will initiate foreclosure if I do not pay the balance in full. I am also aware they may sue to collect if they so choose. 
It is unreasonable for Nationstar to make such a demand and not offer a rescheduling of the loan balance. I request assistance dealing with Nationstar and hope they will offer a reasonable rescheduling so I can keep making payments.
Product: Debt collection

Received debt collect bill from Account Resolution Services a debt collection agency, on XX/XX/XXXX about charges from XXXX. The provider makes no sense, I called ars twice to get more details, but they refuse to disclose info, was told i need a lawyer. I also requested in writing via snail mail who sent them this debt, no answer. I believe it is an attempt at a fraudulent collection, as i had insurance in all of XXXX, and my insurance company never received any bill from provider shown in ars collection attempt. I am asking consumer finance, to please retrieve relevant specific information about original debt, or request ars remove collection attempt, or i will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are currently in deferment yet nelnet is still reporting my payment status as late and it is severely affecting my score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contacted XXXX and Equifax on multiple occasion to investigate an account with XXXX XXXX XXXX in the amount of {$2300.00} which is reporting on my credit report as a collection account. I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above mobile services company. I am a XXXX-year-old retired woman who do not use these services, nor have I given authorization to anyone to use my person information for these services, this account was obtained fraudulently, and which is appearing on my credit files severely damaging my credit rating., After many failed attempts to alert XXXX , XXXX and Equifax I am overwhelmed and do not know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account for a JPMCB Credit card in late XXXX ( XXXX I think ). Credit limit was {$8000.00}. In XXXX " XXXX, I was diagnosed with XXXX XXXX. I had to go to XXXX XXXX XXXX for best treatment. 

Being away from my residence in XXXX, Wa,. it was easy to forget I even had this card, as, I normally rely on mailed bills. 

I fully admit the oversight, of less than {$100.00} in XXXX of XXXX. If you would care to examine the rest of my payment activity, it is unblemished. 

It been over XXXX since these, XXXX of a kind, occurrences and my XXXX score is still about XXXX below its typical value. 

This event needs to be removed from my record post haste as the XXXX score should be much more holistic and not allow a single event out of XXXX decrease my score by XXXX points. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity fraud and Im just trying to clear up my credit so I can move on and flourish with my life
Product: Debt collection

Ad Astra at number XXXX repeatedly called my cell phone and my work phone between XXXX and XXXX on X/XX/2017. They do not disclose who they are and was very rude when asked to call after work hours. I asked if there was a call back number and was told " we need an account number from you to settle this debt or we would have to pursue you in court and file criminal charges. '' The agent was very degrading and belligerent. When they called my employer and was placed on hold they immediately hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting me as authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Money transfer, virtual currency, or money service

The company affirm has my information being used by someone who isnt me. I have no access to this account. My social is being used and because I cant verify my identity through the email the fraud is being committed under or phone number they arent resolving it. I want the account closed. First attempt they ran me in circles providing my email and phone number over and over and hung up when I asked for a supervisor. Someone is using my social security number within their system and they will do NOTHING. SECOND ATTEMPT I was placed on hold and left ignored.
Product: Credit card or prepaid card

I have used a Capital One for Business card for many years, always paying off the monthly balance, averaging {$10000.00}, on time. 
In the past 2 years there have been multiple instances of fraudulent activity, often caught while charges were still pending, even tho my card was never out of my possession. Capital One has always replaced my card. 
The most recent replacement card was sent to me early XXXX. I activated it. When I needed to use it for a purchase XX/XX/XXXX it was declined. I logged in and couldnt access my account information. Weird. 
I called Capital One and was informed my account had been charged off. 
Why? And why wasnt I notified? Eventually I was told it was because I was deemed high risk because fraud had occurred 5 times. OK. I can accept being dropped for being the victim. But I was never notified. Shutting down my card also left me without cell phone activation. And to take away my online access to my account also made it so I couldnt see my statement, pay my bill, and use my reward points. 
Capital One cut me off without notification. This put me at risk. I feel it is an outrageous way to treat a solid customer. I was informed in XXXX my SS # and other personal information was stolen in a security breach at Capital One. Great.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian due to an ongoing issue with incorrect address information on my credit report, which is likely linked to identity theft. This inaccuracy, along with other potential fraudulent information, poses a significant risk to my credit standing and has already caused confusion with creditors. 

XXXX. Nature of the XXXX Experian has reported my address with an apartment designation ( APTD ) that does not apply to my actual residence, which has no apartment number. This incorrect information appears to be part of an identity theft issue, as I have previously placed a fraud alert on my account to mitigate unauthorized activity. 

XXXX. Impact of the Inaccuracy and Identity Theft Concerns Inaccurate address information can lead to misidentification, verification issues, and potential delays in my interactions with creditors. Given that this discrepancy likely stems from identity theft, there is also a risk of further unauthorized activity associated with my identity, causing ongoing harm to my credit and personal finances. 

XXXX. Legal Basis for My Complaint Under the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ( b ) ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. In addition, the FCRA mandates that credit bureaus respond appropriately to fraud alerts and take necessary steps to protect consumers affected by identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is improperly reporting credit history to lenders when making a loan inquiry. This has happened with two lenders showing a blank, or zero credit history. I spent a collective 4 hours on the phone with them while they denied the problem, and refused to help or investigate. I have a decade of loan history with 7 account all paid properly and need this rectified asap so I can complete my purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to the CFPB in direct complaint as I am a I have tried to deal directly with the credit reporting agencies, yet to no avail. This is my third attempt as the credit reporting agencies have not adhered to FCRA 605b which specifically states that all accounts identified through law enforcement in an Identity Theft occurance are to be blocked. These are the accounts that this Reporting Agency has failed to address : XXXX XXXX XXXX XXXX XXXXn XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX   Credit Card - XXXX XXXX XXXX Card - XXXX XXXX XXXX XXXX Credit Card - XXXX
Product: Credit card

IN BRIEF : Can a Credit card company issue you an UNSOLICITED credit card and begin issuing you bills? 
A few years ago I joined XXXX. At that time they issued me a XXXX credit card. In late XX/XX/XXXX I received my last XXXX bill of {$82.00}, which I paid on XXXX ( XXXX. # 5663 ). 
Throughout most of XX/XX/XXXX I received all sorts of mail offers for a Citibank/Costco credit card, which I did NOT respond to. Late in that year I received an UNSOLICITED " XXXX Anywhere XXXX Card by CITI, '' WHICH I DESTROYED. Late in XX/XX/XXXX I began being harassed by daily phone calls -- which continue to this day. 
In XX/XX/XXXX I SPOKE WITH A CITIBANK REPRESENTATIVE ( at XXXX ) AND MADE CLEAR THAT I DID NOT WANT THEIR CREDIT CARD as my ( non ) actions of the preceding months indicated. At that time the agent I spoke with connected me with XXXX ( at XXXX XXXX so I could cancel my membership with XXXX. 
Below is a summary of the bills I have received ( and not paid ) for a bogus credit card. 
Due date : XX/XX/XXXX for {$80.00} ( includes late fee of {$25.00} late fee ) Due date XX/XX/XXXX for {$110.00} ( includes {$37.00} late fee ) Due date XX/XX/XXXX for {$100.00} ( includes {$37.00} late fee ) IF THIS HAPPENDED TO ME THERE MUST BE MANY OTHERS SIMILARLY SCAMMED.
Product: Credit card

I had XXXX credit cards opened in my name with predatory credit card companies that will not fix the problem. 

First one is FEB Destiny and the other is Indigo Celtic bank. 

Neither company chooses to help and they are now illegally damaging my credit
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX  and account # XXXX  also with XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States i have the right to privacy. 

15 U.S.C 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

again XXXX XXXX XXXX Account # XXXX  And Account # XXXX
Product: Credit reporting or other personal consumer reports

Statement Regarding Fraudulent Loans Opened in My Name To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute two fraudulent loans that were opened in my name with MoneyLion. These loans were taken out without my knowledge or consent and remain unpaid. As a result, MoneyLion has continued to report negative and inaccurate information to the credit bureaus, significantly damaging my credit. 

Background of the Fraudulent Activity : 1. Incident of Identity Theft : My phone, banking information, and personal identifying details were stolen in XXXX, XXXX. The individual responsible used my stolen information to fraudulently open accounts and loans in my name at the same time. 

2. Police Report Filed : I immediately filed a police report and resolved any fraudulent charges that I was aware at that time in XXXXXXXX XXXX. 

XXXX. Unauthorized MoneyLion Loans : I was unaware that loans had been opened with MoneyLion until I noticed the negative impact on my credit report. I did not apply for, authorize, or receive any funds from these loans. 

4. Ongoing Negative Reporting : Despite multiple attempts to dispute these fraudulent accounts, MoneyLion has continued to report delinquent payments, harming my credit for over three years. 

5. Attempts to Resolve : I have contacted MoneyLion directly to dispute these fraudulent accounts, but they have been uncooperative in addressing the issue. 


Requested Action : I respectfully request the following : Immediate removal of the fraudulent loans from my credit report. 
Cessation of any negative reporting related to these fraudulent accounts. 
Confirmation in writing that these accounts have been removed and that no further action will be taken against me regarding them. 

Attached to this statement are supporting documents, including a police report, Federal Trade Commission ( FTC ) identity theft report, and any previous dispute communications. 

I urge MoneyLion and the credit bureaus to act in accordance with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this injustice. I appreciate your prompt attention to this matter and look forward to a resolution. 


Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

-I was billed {$27.00} fee. It was not denoted for what it was. ( they said it was a late fee. I always pay my bills on time and IN FULL. but they waived it stating it was from XXXX. I paid on time. ) -I was charged {$52.00} for interest on XXXX bill. I paid my XXXX bill on time. 
-it also denoted I had interest charges for all of 2017 at {$100.00}. As I already stated, I pay my bills in full, and on time. I do n't pay interest and I avoid late fees. 


So it is my view that Citibank is charging these fees INCORRECTLY and therefore FRAUDULENTLY to see if their customers are " monitoring '' their statements, to see if they can obtain additional fees. ( The representative actually said to me when I called, " thank you for monitoring your statement. '' ) It certainly is not unheard of in the wake of the XXXX XXXX Bogus Account & Fee Scam, which they were just fined a record amount for their wrong doing ... 
so, if you could please investigate this and see if there are any other Citibank Customers whom have had this occur, it could be a great boon to the common person, the working person whom is getting taken advantage of, once again. 

Much thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my continued frustration and concern regarding the ongoing issue of late account openings, despite our repeated attempts to address this matter. Despite our best endeavors to streamline processes and implement corrective measures, it is disheartening to witness the persistence of this issue, which reflects negatively on our organization 's reputation for reliability and customer service excellence. I urge you to escalate our engagement and collaborate closely with regulatory authorities to identify the root causes of these delays comprehensively. In conclusion, I urge you to prioritize this matter with the utmost urgency and dedication, recognizing its significant implications for our organization 's reputation and regulatory compliance. I trust that through collaborative efforts and decisive actions, we can finally resolve the issue of late account openings and uphold the highest standards of service excellence and regulatory compliance. With this, I am asking for your assistance to correct these accounts in my credit file XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is reporting a collection account that does not belong to me. I reached out to the reporting company, got them to close the account out and ask for the barrels to remove the information for my credit report in which they still will not do. Current Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Client Account Number : XXXX XXXX  Account Number : XXXX XXXX Default Password ( for website ) : XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

entered into a 24 month contra ct ( in terest free ) that was paid in full in 21 months. Because a payment was n't made during the period they accessed a late fee only because a payment was made to early and was recorded the prior month. when contacted they failed to adjust. they then continued adding late fees to the account and finally filed with a collection agency to collect several  XXXX  dollars as a settlement. This was charged off per   XXXX   credit report.   My name is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  this transaction was with   XXXX   XXXX   XXXX   thru SYNC in the amount of {$390.00} dated entered into  XXXX  and filed  XXXX , I sent them a payment schedule which they never acknowledged or dispute listing the dates of payments.   This is an example of how free interest for x time functions and is not my first experience. Why action has not been taken against these kinds of activities is hard for this person to understand. It is attempted extortion!
Product: Mortgage

My mortgage was sold to RoundPoint Mortgage Servicing LLC by XXXX XXXX in XX/XX/2023. I've had multiple issues trying to process payments with the new company. 

I have multiple complaints : - It is very difficult to reach a live person via their telephone automated system. 
- No one responds to email inquiries. 
- Online payment system is very unreliable with frequent maintenance - Bill payments are being reversed No one has reached out to me regarding any of the issues above. I've reached out to them multiple times via emails and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was included in the recent Equifax data breach and accessed by malicious people. This puts my personal information at risk ( social security number, previous addresses, possibly credit card information ). Equifax did a poor job at securing this information.