23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XXXX of XXXX XXXX Louisiana had a flood and at the time I was employed at a car dealership the flood made it difficult to sale cars and I got in a bind with paying my mortgage. I reached out to freedom Mortgage to see what could be done to help with the situation and they asked all about the flood and whether or not i was affected by it. I answered all the questions and was given the opportunity to take a forbearance on the loan. It was explained to me that for 3 months I would have no payments due but would still acquire interest. The 3 payments would be put on the back end of the loan and I would assume regular payments at the end of that. At the end of the 3 months freedom mortgage told me the I had to pay all 3 of the months at the moment. I have been trying to get this fixed for over a year now and its making it very hard to catch up on my payments with late fees and all. please look into this all I'm asking for is to be allowed to opportunity to catch up like they told me I would be able to.
Product: Debt collection

This company has violated and continues to violate me and use manipulative tactics. I have called and mailed them and they have continued to do illegal activities and have not shown no remorse for their illegal tactics. I recently invoked my rights as a consumer and sent a cease and desist to Affirm to desist all illegal activity and stop all communication with me Pursuant to 15 USC 1692c ( c ) and the company has continued to communicate to me, even through third parties. This company also has violated federal law by saying that I owe an alleged debt and I as the consumer have demanded to stop illegally reporting on my credit report and they denied to stop reporting negative information when I the consumer have the right to what is furnished on my reports. I, the consumer have said a MULTIPLE of times that I DO NOT OWE THIS ALLEGED DEBT, they then emailed me and accused me again of this alleged debt violating 15 USC 1692b ( 2 ) while even saying that sometimes they miss information Which I can prove with exhibits.
Product: Debt collection

Home Depot Credit Services, XXXX. XXXX  XXXX XXXX XXXX, MO XXXX Re : XXXX XXXX Commercial Payment Stub Request for Charged Off Account I am requesting a last statement printout to be mailed to me in order to pay off the total remaining balance on my charged off HD Commercial Account # XXXX XXXX XXXX XXXX. 

I have multiple times attempted to pay off my balance over the phone or through online retailservicescommercial.citi.com ; no one is able to tell me how to pay off what I owe because my account has been charged off they told me. When I had very little money coming in during COVID crisis, Citi bank guys called every week to squeeze out of me any dollar bills I had ; and I paid whatever I could! Now that I got paid by others and business is picking up slowly and have the means to pay you back ; you locked me out of the account and charged me off! I could pay over the phone by giving you a debit card just as I did when I couldnt afford to pay ; but this option is no longer available ; and my online account which I could pay is also blocked. In addition, no bills, no statements and no more letter are coming in or phone calls ; I wish you would call once more so I can pay off my debt. All what I need is a statement with the amount I owe you and I can pay right away ; all the fees up to XXXX XXXXand everything I owe you. So simple. I sent two letters to Home Depot Credit Card services asking for a statement to be mailed and no response. 

Please send me a statement with the total outstanding balance of my Home Depot Commercial account # XXXX XXXX XXXX XXXX of what I owe you.
Product: Credit reporting or other personal consumer reports

I have a collection on my credit on my account that I was never notified about. The apartment complex sent a fee to collections that they never notified me about. The company XXXX also never contacted me. I am XXXX XXXX XXXX  currently XXXX and this is completely unfair. I moved out of the apartment due to XXXX orders but I gave the company a forwarding address, 6 months later I have a collection account on my credit that I was never even told about I had no idea what it was for. I disputed this account with Experian and it was not removed. I told them I had no knowledge of this account and it needs to be removed. I should not be punished like this when no one even attempted to contact me about this fee but now it is on my credit. I cleaned the apartment, they are charging me for dog pee in the carpet that was there when I moved in. I have attached documentation showing that this was an issue when I moved in and that I notified them about this. I have contacted the apartment complex, the investment company that ones the complex, the collections agency and Experian to have this removed. This is unfair and unbelievable treatment all due to having to move so that I can serve this country, only to be taken advantage of and unfairly charged while I am XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has Federally violated me as a consumer by reporting information on my consumer report without consent from me XXXX XXXX the consumer, Federal law states a consumer report does not report transactions or experiences between the Consumer or Person making the report Per 15 USC 1681a., Federal law also states any nonpublic information pertaining to the consumer must be protected with privacy unless consumer gives consent, I never gave Equifax consent to report defamatory and false statements on my consumer report. Furthermore, XXXX has never contacted me to investigate any information on my consumer report which means they are in violation of Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XX/XX/2022.
Product: Credit card

I have a car loan with Capital one. They charged me 12 % interest on the loan. I have been making my payments as required with additional principal. The bank is posting my additional principal payments to interest. That means they are recording my account payoff to the credit bureau wrong and falsely reporting their revenue and AR balance to the Treasury and SEC. False reporting of your financial statements is a violation of XXXX XXXX. Who corrects this because the bank is just going along like nothing is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX violated permissable purpose of consumer reports a direct violation of FCRA 15 USC 1681 on my transunion credit file XXXX XXXX XXXX XXXX XXXX is reporting a late on XX/XX/21 on account XXXX which is a direct violation of the law under FCRA 15 USC 1681
Product: Credit reporting or other personal consumer reports

My credit report is frozen I never froze it. I have no credit and only first received an ID XXXX weeks ago. So XXXX not sure why TransUnion has my credit file frozen. I cant apply for an apartment, car or even cell phone. I created a TransUnion consumer account but when I click on freeze it gives me an error. I sent in a request XXXX weeks ago to unfreeze my Transunion file certified mail and I still have a freeze on my credit report. I never requested a freeze, I have no disputes or anything that would cause a freeze. This freeze is causing a domino effect with XXXX and XXXX also.
Product: Credit reporting, credit repair services, 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 listed below : XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX Balance : {$4000.00}, XXXX  XXXX XXXX Balance : {$660.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$450.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

I was approved for Federal Mortgage assistance through Keep Your Home California. My loan servicer offered a loan modification but refused to accept the federal assistance funds. By declining the federal funds Wells Fargo Home Mortgage is rolling my delinquent balance back into principal and resetting my repayment at 360 months which ultimately makes a greater profit for the investor over the long term at my expense, in this case about {$80000.00} in additional interest. Wells Fargo Home Mortgage accepted a XXXX dollar bailout package from taxpayers, I find it completely unbelievable that they can decline accepting funds from a federal program that was created to help individuals in distress ... Especially those of use who are XXXX XXXX veterans from recent XXXX!
Product: Credit reporting or other personal consumer reports

I previously disputed the following inquiries from my XXXX credit report. I received correspondence that they would delete the information from my report but theyre still reporting on my credit report! These inquiries were not initiated by me and do not belong to me!! There are also XXXX accounts being reported that do not belong to me as well, they are XXXX XXXX Bank and First Progress Card!! 

I am a victim of identity theft and would like this information removed from my report. I have tried serval times to dispute the inaccurate information with XXXX however they have failed to resolve the issue! I am also a victim of human trafficking and may I need my credit restored as soon as possible. 

XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXXXXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Besides the Student loans all of the Items on my credit report is incorrect 1.My Name is XXXX XXXX from birth 2.my address has always been XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX.I never had any Credit Cards in my name Student loans yes but credit cards NO please remove Items ASAP
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX Balance : {$160.00} Original Creditor : XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX 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/year>
Product: Mortgage

We have a 1st mortgage and a 2nd mortgage ( HELOC ) with US Bank ( www.usbank.com ) secured by our primary residence in XXXX, MN. 

Our monthly P & I payment for the two mortgages was {$3200.00} before we entered Covid-19 forbearance. 

If we could refinance at today 's lower interest rates, our monthly P & I for both mortgages ( 30-year fixed ) would be less than {$1600.00}. 

I have called US Bank multiple times ( transferred to multiple departments ) offering this " refinance of the two mortgages '' as a resolution to the forbearance and am told that we can not refinance our mortgages until we are out of forbearance and caught up on payments due.
Product: Credit reporting or other personal consumer reports

I word as a XXXX XXXX and worked most of my career in XXXX XXXX XXXX. I enrolled in the Public Service Forgiveness Program, a program offered through the Education Department to have my loans dismissed after working for a non profit community health center which required yearly verifications. I met the criteria and in XXXX  but do to the COVID pandemic the dismissal of my student loans was delayed. During COVID my loans were transferred to XXXX. I received multiple emails and letters from XXXX stating that my loans had been forgiven and that by the end of XXXX they ( XXXX ) would be reporting to all three credit agencies that my loans were, " PAID IN FULL. '' I have been in the process of trying to buy a new home but was told due to the amount owed on my student loans that my loan amount to purchase would be lowered until it was reported that they were paid in full. I looked at all three credit bureaus, TransUnion, XXXX, and XXXX on XX/XX/XXXX and saw that XXXX did not notify them that the accounts were paid in full. We are looking at over {$250000.00}. I filed a dispute with all three agencies. On XX/XX/XXXX I woke up to multiple emails from credit card holders and from TransUnion stating that XXXX had reported that the loans were in default and that they were paid for less than owed and my credit score which I have worked a lifetime to build dropped from Exceptional to Needs Improvement. Which is not at all the truth.TransUnion had dropped my credit score a total of XXXX points from XXXX to XXXX, completely derailing my home buying ability and some of my credit card companies froze my credit use. I immediately called XXXX and was informed that they had not given that information to TransUnion and that my loans showed paid in full. I inquired as to why this wasn't reported, as stated, to the three credit bureaus and was told by the person I was talking to they would have to transfer me to a supervisor. I waited online for an hour and then was told I would be transferred only to be sent back to beginning of the que. I hung up and called TransUnion and inquired as to how they reached this decision in two days based on my dispute. Again they falsely stated that XXXX had provided the information to them. I informed them I had just spoken to XXXX and asked if they had read the letters I provided to them with my dispute to which they said an investigation was ongoing into my dispute. I requested that given an investigation was in process to drop the language on my credit report and restore my credit score. I even informed them that I am a Veteran and was in the process of trying to buy a home and my lender XXXX had just frozen that process. They refused to restore my credit score and several of my credit cards were frozen as a result of their mishandling of my dispute. I'm asking that you investigate their practices involving my dispute and help me recover what has taken a lifetime to build which was my exceptional credit rating.
Product: Mortgage

this loan was part of a bankruptcy 12 years ago. we stopped receiving any correspondence from the mortgage company concerning this debt. In XXXX we received a bill from Real Time Solutions for over {$150.00} dollars. Again, even this correspondence said it was for informational purposes only because of the bankruptcy and it was not an attempt to collect a debt. Last week, we were served with papers saying that this debt collector is filing for foreclosure. Our first trust mortage is up to date and we have been paying on it. we were blindsided with these foreclosure papers and the amount that it says we owe. the original loan was {$75000.00} dollars. Everything we have ever received said that it was not an attempt to collect any money and it was included in bankruptcy. I have read about these ghost mortgages and I need to know what I can do about this. I do not want to lose my house to a company that i feel is just trying to take advantage of the rising home values and has not made any attempt to reach us outside of sending foreclosure papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported 3 late payments on my report. I have never been late with my bills until Covid. The CARES Act, which was signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). )
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX, it's mandatory to eliminate any erroneous entries from my credit report. Would you mind verifying the documents? A few of the mentioned accounts contain inaccuracies in their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX : # XXXX - XXXX XXXXXXXX XXXX SS XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax, and XXXX have violated my FRCA rights listed below : 15 U.S.C 1681i ( 2 ) ( A ) ( B ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

15 U.S.C 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

Convergent OutSourcing is trying to collect {$1200.00} for a utility bill from Texas. I don't live in Texas. I would never co -sign for anybody. The last time I have been to Texas was at 1994. I live in Florida. I Have outstanding credit. I have been working for the XXXX XXXX as a XXXX  XXXX for XXXX. I have reported this to XXXX everything was erased because it was fraud. This happened last year with another collector it was also erased but it came back again with this Collection Agency. Convergent energy asked me to file a police report as well. This is where I'm confused? Is this necessary? Your help will be greatly appreciated. Thank You Creditor : XXXX XXXX XXXX  # XXXX Convergent Acct XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

After multiple attempts of different transactions are only information they sent me was a {$10.00} in the mail denial later on XX/XX/XXXX I deposit {$20.00} in Capital One. I want XX/XX/year> and XXXX ACH transfers all three that I initiated after XXXX XXXX fraud knew my plans and charge my account and refuse to give me my money back
Product: Credit card or prepaid card

I opened a Synchrony credit account to make purchases at Ashley furniture. The credit line includes automatic enrollment in a supposed " Card Security '' program that charges a percentage of the card 's balance each month as a fee. 
I was able to call the listed phone number and they cancelled the enrollment and say they will be refunding the fees charged. However the fact that this program is something I was automatically enrolled into makes it a hazard for the general consumer. If I hadn't taken the time to review my billing statements and investigate why I was being charged this fee, and subsequently call and go through the unenrollment and refund process, I would have been out {$100.00}. Over the life of the loan this would have amounted to {$240.00} in fees. 
The onus should not be on the consumer to have to opt of of such a XXXX  program.
Product: Credit reporting

I had an unauthorized charge made to my XXXX credit card by XXXX for a service we had discontinued last year. My credit card had a balance of zero, at least that is what I believed because I had the card stored in a safe. Today, I receive a call from XXXX saying I need to pay my card..and I said it has a zero balance!!! They say NO, a charge was made in XX/XX/2016 for {$280.00} and I have not made a single payment since the charge. I called XXXX and read them the riot act and they are reversing the charge as we speak. In the meantime, being unaware of this charge, I am being penalized on my Equifax credit report for an unauthorized charge I was not aware of existed. Please purge this from my report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX : {$600.00}