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

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have the responsibility to report Consumer information to the best of their ability and with Maximum Accuracy. I have never been late on payments on the account : XXXX  XXXX ACCOUNT NUMBER XXXX. Please investigate and provide bank account statements showing that these payments were late. If proof can not be provided, I demand that these payments be updated on a timely basis as they should be as I have NEVER been late. Thanks
Product: Debt collection

On Thursday XX/XX/2020 A company called me and stated that they were hired by the XXXX XXXX XXXX XXXX firm and that it was important for me to call the Law firm at XXXX back and give them the reference number XXXX. I asked the representative repeatedly why and what was it about, she refused to tell me, so I called the number the person who answered the phone rudely told me after I gave her the reference number that I owed {$6000.00} on a loan I was paying on for 5 years and stopped, I told her I haven't taken out a loan and I asked her where was this loan taken from, and that the only loan I had taken was from the SBA and it was paid off in full and they owed me money because I had overpaid. She said the US Bank I tried to assure her that I did not or ever take out a loan from that bank, she said it was taken out from me and I used the name, XXXX XXXX, I told her that was my married name in which I never changed it to legally so how could I take a loan out under that name. She started yelling at me I started yelling back she told me that they were going to send me litigation papers to sue me she called out my current address and said they were going to garnish my check and put it on my credit report. I asked her for the US bank and her law firm address, she refused to give it to me and hung up. I immediately called the agency that called me to contact the law firm at XXXX to get their address and the law frim address they refused to give it to me I called them repeatedly they kept hanging up finally I got through to someone who claimed to be the supervisor she said her last name was XXXX I asked her for the addresses she would not give it to me but stated that the office was located in California yet the phone number on my phone shows that their number is from XXXX North Carolina she hung up after I told her I will call every day until I get the names to call and the address of the law firm, then a XXXX man called me asked if I was XXXX when I said yes he proceeded to use racial slurs calling me repeatedly the XXXX, ugly, and a XXXX needless to say I cursed him out to the point that he had to hang up the phone then I tried to call Ms. XXXX back to let her know I knew she had that man call me I learned that my phone number was blocked by them and the law firm. I do not owe any money, my credit score is over 700 that they are trying to destroy by putting a bogus delinquent loan on my credit report and, they plan to put me in financial ruin by garnishing my check also they threatened to sue me and damage my credit. Please help me I am an elderly person who is constantly dealing with stuff like this every time I turn around. Immediately after I got off the phone with them, I got a call from these foreigners who sound like they are from XXXX telling me I am going to be arrested for owing over {$20000.00} to the Social Security department, you would think they would get enough of me cursing them out for three years which is the amount of time they have been calling me
Product: Mortgage

JPMOrganChase told us in XX/XX/XXXX we had an escrow shortage of {$360.00} and we could pay it off by XXXX/XXXX/16 to keep our mortgage payment the same. By the time XXXX XXXX came, we had changed our homeowners insurance policy to renters and it should have produced a lower mortgage payment. I called 1st thing in XX/XX/XXXX to find that it had n't. The chaos started on XXXX XXXX with the 1st person I spoke to ( for which I have names/dates/times ) saying she would put a hold on the XX/XX/XXXX payment so I would n't incur a late fee while she conducted an investigation including another escrow analysis. She also said that back in XX/XX/XXXX they paid homeowners insurance, then renters last month, so that they paid twice and that was the reason for the high payment/shortage. That turned out to be false. They were reimbursed for paying the homeowners insurance in XX/XX/XXXX. She also changed her mind in the same conversation stating we could pay the old amount in the meantime rather than the " hold ''. The new result sent to us a couple of days later showed an almost tripled escrow shortage and we have to pay that by XXXX/XXXX/16 to get a lower payment. This next pair of reps said this was because more time elapsed between the 1st escrow analysis and 2nd leaving the shortage unpaid. The last rep said I could pay the last mortgage payment amount for up to 2 months. I did and added {$150.00} toward the escrow shortage. Tuesday I received a call that she was mistaken and we were not permitted to make the lower payment, we had to make the higher one reflecting that we did n't pay towards the shortage and the money we paid towards the shortage was applied to the principal! I had to call yesterday to fix that and they said it was being fixed " as we speak ''. Each representative apologizing for the last 's " mistake '' and saying that they " should n't have said that, I do n't know why they did ''. Sounds to us that they are either highly under-trained or making it up as they go along! As of today, the now {$98.00} ( taken from the {$150.00} to make up the difference to pay the higher mortgage payment ) has NOT been applied to the escrow shortage. Please help CFPB, for whom do we turn to when a big corporate enterprise such as JPMOrganChase takes over our hard-earned cash like this? I 'm a low-paid teacher and my husband a blue-collar worker employed by a town municipality.
Product: Mortgage

The reality is that the intent of the Federal Loan Modification Program is to provide an alternative to foreclosure for millions of struggling homeowners. Furthermore, these homeowners are supposed to be able to secure a loan modification without the assistance of a competent advisor. 
Unfortunately, the lenders and servicers do not play by the rules. Consequently, average homeowners are taken advantage of and face the prospect of losing their homes by falling short of bank 's loan modification hoops. This is why there is a massive amount of litigation in the state and federal courts seeking relief for victimized homeowners. You need to work with specialists who know the programs and can make the lenders adhere to the federal laws and guidelines. I did not have this specialist when I started this loan. In letters from the servicers they state that they are proud to service your loan. We are committed to protecting the rights of our customers who are service members. 
I did not know all of the hoops there would be to go thru to obtain this type of a loan. Every time I called in for help or to have my questions answered I would get a different answer to my question. I was assigned to have this one person his title was a Legation Specialty to help me with my questions. I had another person who whose title was Customer Advocate specialist. I was told that if I had questions I was to call them. Every time I would call I could never get a hold them. I was told to leave a message and they would return my call. I never did hear back from them many times. 
At the beginning of the loan modification they told me I would have a four month trail to prove that I could make the payments of {$720.00} for four months. Starting date would be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX would be the last payment of the trail period. It was not explained to me that I should have been making the full payment of {$840.00} for these four months. The difference between the payment {$720.00} and XXXX is {$110.00}. They claimed this as a missed payment and reported this to the credit bureau. This gives me a bad credit rating with XXXX, XXXX, XXXX. I would like to have my bad credit rating restored and disputed. They are telling me now that I have missed 3 months of payments and want late fees too. I have bank statements proving that the payments were made. This a debt collecting agency which may report about your Mortgage account to the Credit Bureau. 
So now that has happened and my credit is no good. I have never had this happen before. 
When I have tried to contact this company I have had to wait so long for them to get back to me and then I always get someone different that does n't know what is going on. This has been very frustrating. 
Now if I do n't make this payment by a certain date they will foreclose on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting yet another CFPB complaint to you today to request that the remaining items be completely deleted from my Credit Report. I have been sending multiple written letters addressed to the Credit Reporting Agencies that they remove the disputed fraudulent items completely from my Credit Report. the most recent letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my personal identifying documents as well as the IDTHEFT REPORT I received from the FTC. These attached documents are requirements to remove any fraudulent accounts and information from my Credit File under the FCRA section 605b. Despite all the letters I have been sending, The Credit Bureaus have become negligent of their responsibility with the FCRA. Under the FCRA section 605b, I am requesting that the remaining fraudulent items be COMPLETELY DELETED from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXXXXXX Balance - Date opened XX/XX/XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX stating that I owed a debt for XXXX. I mailed them a letter via certified mail on XXXX XXXX, 2015 for a request for Validation of Account. As of XXXX XXXX, 2015 I have not received a response for validation. 

Stellar Recovery called me on XXXX XXXX 2015, in an attempt to collect debt concerning XXXX XXXX. I verbally requested that they contact me through writing in the mail. To this date I have not receive any correspondence from Stellar Recovery, yesterday I received an alert from my credit monitoring and Stellar Recovery has placed a flatulent account on my credit report without sending me ANY notification prior to placing this alleged collection on my credit report. XXXX company stating that I owe for the alledged same account with different amounts owed, without sending me any validation of account that was requested has violated my rights by not sending me any written notice as requested and required under FCRA and FDCA.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX Freedom Mortgage reported my account XXXX days past due in the amount of {$28000.00}. We are currently in Loss mitigation, with Freedom Mortgage and they were not to report this to credit bureaus. This is the second time Freedom Mortgage made this mistake and has cost us over XXXX points on both of our credit report scores. With them reporting to credit bureaus, my credit score with XXXX XXXX and XXXX went down XXXX points.
Product: Debt collection

Request for Debt Validation to Help Dear XXXX, I am writing to request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Please provide me with the following information : XXXX. The full amount of the debt, including any interest, fees, or charges. XXXX. The name of the original creditor and their contact information. XXXX. A copy of the original signed contract or agreement that created this debt. XXXX. A detailed statement outlining the dates and amounts of all payments made, and the remaining balance on the account. XXXX. Documentation verifying that you are authorized to collect this debt on behalf of the original creditor. In accordance with the FDCPA, I ask that all collection efforts cease until you provide the requested documentation. If you can not provide the necessary validation, I request that you cease all further collection actions and remove any negative reports related to this account from my credit file. Please send the requested documentation within XXXX  days of receipt of this letter. If you fail to provide the validation, I will consider the debt invalid and take appropriate action. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

Hello this is in reference to the account from Discover Financial Services. I contacted the creditor by phone on XX/XX/XXXX and they stated in order to settle this debt that I will need to send a letter agreeing to pay the amount. They will then delete the account upon payment. I sent a letter ( attached ) on XX/XX/XXXX stating I will pay money owned on the debt and that I need an agreement letter from them. I then Paid the collection acount on XX/XX/XXXX in full through the collection agency. The collection agency, XXXX XXXX deleted the account but Discover refused to do so. I sent them another letter asking to remove the account as promised on XX/XX/XXXX but nothing has happened. This account is paid and they must follow through with their promise.
Product: Mortgage

-I contacted 5/3 about a major increase in my monthly mortgage payment. ( {$2200.00} increases to {$2800.00} ) -I was told false information by multiple 5/3 employees ( ie : mortgage account never received escrow payment at closing, big increase in my property tax and homeowners insurance ) -There was a slight increase that year in property tax and homeowners insurance but nothing that would cause a {$5000.00} dollar escrow shortage. 
-Spoke with my original lender and was told & XXXX was put into my escrow account at closing and that the summer property tax for that year had already been paid by the previous owner. 
-My previous escrow analysis stated that I had a surplus and 5/3 actually sent me a check for {$120.00} -So how did I go from a surplus to a {$5000.00} dollar shortage the very next year? I asked 5/3 this and they continued to try and point the finger and feed me false information.

-They did not do a proper analysis the year of the surplus even though my property tax information came out on XX/XX/XXXX and my analysis was dated XX/XX/XXXX. So they had to time to access the right information. 
-If they had done so they would have realized there was actually a shortage already than ( rather than a surplus ), but the shortage would have been much more manageable and not nearly as detrimental as what it currently is. It would seem that the error is with 5/3 and this should have been caught before my mortgage skyrocketed to an unsustainable amount.
Product: Credit card

My identity was stolen some time in late XXXX. However, I was not made aware of this until my credit score went down some time in XXXX and I began to receive payment notices for cell phones I never had as well as non-payment notices for a Bank of America credit card. I immediately filed a complaint with the FTC and the local police department. Additionally, I put a credit freeze on my file. The people who stole my identity opened a XXXX XXXX account with Bank of America and stopped making payments on this account. Bank of America reported non-payment to the credit authorities which negatively affected my credit- they also attempted to get payment from me. I called Bank of America numerous times but they would not give me any information because they said that the account was now closed. They refused to transfer me to the Fraud Department since I could not provide them with a full account number since I never opened the account to begin with. On XX/XX/XXXX I went in person to the branch in XXXX XXXX ( Exact Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) where I spoke to a XXXX XXXX ( XXXX XXXX at the XXXX XXXX in XXXX XXXX ). I gave him all my identification and he said it was obvious they account was fraudulent given that they had also opened a checking account where they tried to cash stolen checks. He provided me with account statements from the fraudulent card. He called the Fraud Department at Bank of America with me in his office. They refused to resolve this over the phone and send they would send me paper work so that I could send them my police and FTC report. Instead, I received notice that they had investigated and closed the investigation. I then sent them certified mail using the FTC form with copies of my police report, FTC report and proof of my identity. This was sent on XX/XX/XXXX and though I have proof that it was delivered I have received no response from them. They do not want to record the loan as a loss which they would if they reported it as one opened due to identity theft.
Product: Checking or savings account

I have not received my paycheck. I get early pay on Thursdays, with a payday of every other XXXX. Well, when I log into my account, I saw a message that the bank had a technical error and it would be fixed by XXXX  morning. Its after XXXX XXXX  & I have not received my paycheck. My light bill was due yesterday on the XXXX they are now saying I could be disconnected. Car insurance due on the XXXX, car payment due on the XXXX, court payment due on the XXXX, and I need gas for my car. There hasnt been any communication regarding when this issue will be fixed. The wait times are over XXXX minutes & I need my money! This is not ok one bit. Also, I think they have stolen interest from my savings account as well. Capital one bank is the one Im having issues with..
Product: Credit card

On XX/XX/XXXX, I discovered that a fraudulent credit card had been opened by Capital One in my name. This was the result of identity theft. The credit card was opened on XX/XX/XXXX. At the time, I had a lock on my credit through XXXX, but Capital One still opened the account.
Product: Credit reporting or other personal consumer reports

My name is XXXX and have worked on fixiing my credit. as the months passed my score has increased and has got better.I also called them and they told me that its better and a copy was sent Recently I have applied to several apartments and have been denied with a letter and a XXXX LOW credit score. I need help with this
Product: Credit reporting or other personal consumer reports

I disagree with the address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX which still appears on my credit report, even after I have dispute the address both electronically and verbally over a phone call. I don't know this address, I don't live at this address, I don't recognize this address.
Product: Mortgage

On Monday XX/XX/XXXX of 2021, XXXX XXXX NMLS # XXXX a representative of Rocket Mortgage ran my credit report without my expressed consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax ( https : //www.equifaxsecurity2017.com ), substantial amounts of personal information was leaked, including names, Social Security numbers, birth dates, addresses, drivers license numbers, and credit card numbers. Furthermore, Equifax claims that the hack occurred somewhere in XX/XX/XXXX through XX/XX/XXXX, but failed to inform consumers until early XXXX. The irresponsible handling of this information is criminally negligent and will certainly lead to widespread fraudulent activity. Equifax is a company that has massive amounts of my very sensitive information, which I never provided to the company. They must be more proactive about security or face consequences. 

Furthermore, the remedial offer to provide free credit monitoring is a total scam. Others have shown that random, nonsense inputs can cause the " Potential Impact '' form ( https : //www.equifaxsecurity2017.com/potential-impact/ ) to tell consumers that their information may have been compromised. Signing up for this service also limits a consumers ability to seek legal reparations for this leak. Finally, Equifax is highly disingenuous with the signup procedure, as clicking " Enroll '' provides the user with a " Signup Date ''. The user must then return to the site on the prescribed date in order to complete registration, while receiving no reminders or other direction to do so. There is absolutely no reason Equifax should be allowed to be so intentionally circuitous in remediating this disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a dispute on my credit for a numerous of charges and accounts Im not familiar with such as and In accordance with the fair credit reporting act has violated my rights an XXXX XXXX account for the amount of {$2100.00} opened XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$790.00} opened XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of {$570.00} opened XX/XX/XXXX, XXXX XXXX XXXX XXXX for the amount of {$240.00} opened XX/XX/XXXX and Bankruptcy XXXX XXXX-dismissed opened XXXX XXXX XXXX I also have 11 inquiries Im not familiar with such as XXXX XXXXInquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX and DEPT OF ED/XXXX Total balance : {$21000.00} XXXX I am unfamiliar with all of the following transactions and would like for all of these to be examined and removed. 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 a account without my written instructions
Product: Credit reporting

Experian keeps putting Fraud Alerts on my file when I did not ask them to. They are saying that I am disputing information in my file which is not True. I have challenged the inaccuracies in my report and have asked them to supply physical verification of each negative item per section XXXX or to remove the items. They refuse to do so. Instead they keep putting fraud alerts on my file to avoid obeying the law
Product: Money transfer, virtual currency, or money service

coinbase are asking for a sms code but my phone is not receiving a code since they updated my number but the wrong number was updated so i want it to be reupdate to the System as XXXX im only XXXX that 's why my account was shut down i want to acsess my fund to another adress please update the number i want to acsess to my bitcoins i left and they are not responding or helping in any way
Product: Mortgage

I received and attached XXXX separate letters from NationsDirect Mortgage credit research department ( dated : XXXX/XXXX/2016 & XXXX/XXXX/2016 ) verifying that my mortgage account was never late throughout the entire period my loan was serviced with them, however Nations Direct is wrongfully reporting to your credit bureau initially XXXX 30 day late on credit report submitted ( dated : XXXX/XXXX/2016 ), and since submitting the dispute with the credit bureaus my new XXXX report & XXXX report # XXXX ( dated : XXXX/XXXX/2016 ) is now inaccurately reporting XXXX 30 day late remarks by NationsDirect Mortgage, XXXX has corrected the error in derogatory information. I have requested to both XXXX and XXXX to correct all of the inaccurate derogatory remarks from their reports, as NationsDirect Mortgage has verified completely that my mortgage account was never late during entire servicing period.