23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, My mother, passed away. XXXX, XXXX, I went to City Hall to file the paperwork to become the Executor of her Estate because I was her only child. Going through mail I found statements from the mortgage company, Green Tree Mortgage, stating that she was behind in her payments on the $ XXXX loan that she had taken against the house that was already paid for. She tool out the loan to get repairs done on the house. I called them to make arrangements on the delinquent payments. The agent said that they needed the death certificate and the estate paperwork to discuss the loan with me. I did send, fax, the necessary documents needed to so that I could assume responsibility on this loan. I did make payments XXXX and XXXX, XXXX towards the billing. The payments were accepted. I called several times, XXXX - XXXX to see what I needed to do to assume the mortgage in my name. During the several attempts to get this done I would get a different agent and they would look up the account and say that they did not have the death certificate or the estate paperwork. I am not sure if it was lost because of the loan being transferred to Ditech Mortgage. I went through the process on several occasions of getting the documents to the company so that I can get a resolution. I would give the agent the fax number that I sent the information along with the information that I had from the receipt that I had from the fax confirmation sheets. In XXXX, I received a notice to contact the City of XXXX because the house was now in foreclosure. I attended the court date and was assigned to a housing counselor. I went through the necessary finance classes and completed them and worked with the housing counselor with a financial packet to the mortgage company. I also was able to change the deed to the house in my name with the assistance of Community Legal Services in XXXX. During XXXX, we submitted Act 91 and I was denied. We sent several completed packages getting responses back as we need updated banks statements or other documents that were submitted with the assistance of the housing counselor. I never received a response from them regarding the modification on the loan. In XXXX, I received another letter from the City of XXXX about the property again. I went through going to the necessary classes again with the assistance of the housing counselor. We submitted a completed application and financial packet for the modification. The letters from the mortgage company were addressed to my deceased mother asking for her income and her information. I was the one submitting the information in my name with my documents. We addressed this issue with the mortgage company 's attorneys. I received a denial letter stating that my income wasn't sufficient so we submitted a new application adding my son 's income since he is living with me while going to XXXX College. I received a letter XXXX, XXXX saying the my income is sufficient but I am not eligible for the modification. This has been an ongoing stressful process. I want to assume the payments so that I can keep my home and pay the loan off.
Product: Debt collection

I was called by Contact information : Mid-America Accounts Control Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX, Missouri United States Phone : XXXX saying they had a hostiapl bill from XXXX hospitals that they were turning over to a lawyer unless I paid the debt. I told them I had a credit lawyer taking care of everything. They then told me they would be turning it over to a lawyer. They then hung up the phone
Product: Credit reporting or other personal consumer reports

I`m requesting under the Cares Act Law that was enacted by Congress that seven of my late payments on my credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed as they were reported 30 days late during the XXXX Coronavirus Pandemic. I would like all credit reporting agencies Experian, XXXX, XXXX as well as my bank XXXX to remove these as it a poor reflection on my credit history. The CARES Act prevents lenders from reporting late payments to credit reporting companies during the COVID-19 crisis. I was unaware that lenders were supposed to do this and my accounts have been current for a five years. This negative reporting has affected me financially in my borrowing and payments.
Product: Credit reporting or other personal consumer reports

On about XXXX XXXX XXXX  XXXX XXXX XXXX ) reported my credit card as delinquent in error, after disputing the matter directly the company then agreed to correct the issue. According to 2 representatives XXXX  and XXXX  they have updated my record as well as sent letters to all credit bureaus. I also received the letter. The only credit bureau to consistently not correct and update my file is Equifax. I have made multiple disputes and each time the information reappears on my credit causing irreparable damage to my credit status. The balance is incorrect. Payment history incorrect and the account is not and has never been past due. I made a complaint with Equifax supervisor XXXX XX/XX/year> and she advised no follow up on complaints but provided case # XXXX
Product: Consumer Loan

This regards a car loan financed by First Hawaiian Bank. My girlfriend and I have been making over the amount of payments to pay down the debts. We made inquiries about why their records do not reflect the payments. They have not gotten back to me as why. On XXXX/XXXX/2015 the loan was for XXXX. I have applied at least XXXX or more not sure it could be more because my girlfriend made payments from her FHB first line in which the bank had ceased her account, without good reason. She has never been late for any of her personal line payments. But, XXXX from the car loan department was supplied with her first line account information requesting her to please cross reference payments that were applied to my car loan. This is almost a year and FHB car loan does not reflect all the payments made towards the vehicle.
Product: Debt collection

I sent a Cease and Desist to Firstmark XXXX Services via email to XXXX XXXX on XXXX XXXX, 2016, I was then contacted by XXXX XXXX with Firstmark on XXXX XXXX, 2016 trying to collect a payment that only a few days late. I reiterated I sent a Cease and Desist and she replied there was no record of it. I sent another Cease and Desist on XXXX XXXX, 2016 to XXXX XXXX via email. They are still sending me emails other than my monthly and also sending harassing letters to my father. I need this harassment to cease immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX XXXX XXXX TransUnion XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a validation of debt. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! 

Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from TransUnion and {$400000.00} from XXXX  and {$400000.00} from XXXX XXXX  for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting an account incorrectly. I've disputed account with them ; I keep getting automated responses saying that the account was verified as accurate. 

I've contacted the furnisher, and they informed me that they are no longer reporting it as the account is closed and paid. 

XXXX removed the account due to no response. Equifax and XXXX claim that they are getting responses but their credit reports suggest that reporting has stopped. 

How can something be verified as accurate if the company is no longer reporting to the account, and the account is no longer open? Equifax and XXXX, aren't investigating disputes. They are merely verifying user information such as name and address. 

It is an FCRA violation to report inaccurate information. It is also a violation to ignore consumer dispute requests. Penalties for FCRA violations are up to $ XXXX per violation. 

With the help of CFPB, I would like to start or join a class action lawsuit in regard to this behavior.
Product: Student loan

Dear CFPB, I obtained a private student loan through Wells Fargo in XXXX, account number XXXX XXXX in the amount of {$8500.00}. In addition, I had a co-signer, XXXX XXXX. 

In XXXX I filed for bankruptcy and this loan was listed. My bankruptcy was granted. Somehow, the loan was put into XXXX 's name. XXXX was a senior citizen and I feel she was pressured with unethical collection tactics by Wells Fargo when they contacted her during my bankruptcy process. 

The student loan payments have been debited from my checking account for years despite the loan being discharged. Irrespective of that, Wells Fargo will not put the loan back in my name even though they are being paid by me. This is causing XXXX a significant amount of upset as a senior citizen. 

To date, I have paid well over {$19000.00} on this loan and possibly already paid in full. Yet, apparently there is {$5000.00} owed which if the loan is even valid is an incorrect amount since the total loan amount is {$21000.00}. 

I feel that Wells Fargo should have written off this loan due to my bankruptcy. I am requesting your assistance in having the remainder of this loan waived, or seek recovery for money paid from XXXX to the present. I am attaching the Wells Fargo file, and my latest payment to Wells Fargo from my XXXX  XXXX XXXX checking account. 

I appreciate your time and assistance. I hope you can help me and XXXX. 

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

I've sent a ftc report in regards to unauthorized fraudulent inquiries that equifax refuses to remove under the FDCPA laws I request to have these inquiries removed immediately. I mailed certified Mail in which equifax received all requested documents on XXXX/XXXX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Mortgage

I was behind in mortgage in XXXX because of XXXX I was offer a modification in XXXX. They gave me amount to pay which {$430.00} ( might not be actually amount ) so when I get my paper for my modification 6 months later they made a mistake on the amount I was supposed to pay which was {$510.00} so they told me I didnt have enough to close on my modification. So I continued to pay that amount and they giving me the run around that I was denied because I was short because they gave me the wrong monthly payment amount. So I then applied for homeowner assistance program which I was approved for {$24000.00} that would brought my mortgage current. When XXXX sent my payment my mortgage push my modification thru after me waiting for a year to get approved and I know longer needed. They gave me a modification with no paperwork didnt explain anything and change my loan and sent my payment back to XXXX. I called numerous times and they told me they would have someone call me and nobody knew why the modification went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a number of accounts with all three of the major bureaus in XXXX of this year. I requested a number of things to be corrected or deleted and I have still received nothing and it is now XXXX which is 4 months later. This is completely unacceptable and I will be attaching every letter that i sent as well as proof of delivery to each bureau as i sent my letters certified mail. Under the FCRA this is a major violation and I demand all items removed immediately.
Product: Credit reporting or other personal consumer reports

After several complaints against XXXX XXXX XXXX for reporting inaccurate information on my credit report. I am submitting another complaint of this company blatantly breaking the law at this point. My rights under the fair credit reporting act are being disregarded by the credit reporting agencies as well! Specifically Experian! Month after month they continue to break the law by not removing inaccurate information. There was an auto loan that was charged off. They sent the account to XXXX XXXX XXXX collection agency. Account number XXXX. On XX/XX/23 I settled the account in full for {$4300.00}. XXXX is reporting the account to Experian that I only paid {$1700.00} as of XX/XX/23. Ive spoken on the phone to XXXX XXXX and they even have it in their system as being settled for less in the amount of {$4300.00}. So why are they reporting inaccurate information to Experian, XXXX, and XXXX? I want the XXXX  to hold them accountable and remove this information immediately. All the proof is there and at this point its clear to see there is something not right happening behind the scenes that needs to be corrected immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

car was involved in an accident XX/XX/21. The car was deemed totaled by the insurance company on XX/XX/21. The insurance company contact Bridgecrest and myself contacted Bridgecrest to inform them of the situation. I have GAP insurance on the car. Bridge crest did not closed the account even when they received the check issued from the insurance company. Leaving the account passed due. I was also told by one of the representatives that I would be reported the Credit bureau because I was pass due which would lower my credit score and make it difficult for to get another car. I have all my paper work from when I first purchase the car, a record of all my payment and when the check was issued to Bridgecrest. Ive been waiting to speak with some about the this issue from Bridgecrest. I was told that XXXX XXXX was working on this account. His has yet to return my call.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Repeated Harassment over the Telephone even though my number is on the DO NOT CALL registry and I've been receiving calls at abnormal hours such as during work, in the morning, and night as well as more than 7 calls in a week and even trying to use a different phone number. This is in violation of my Consumer rights and the FDCPA codes listed below. 

FDCPA section 806 ( 15 U.S.C.1692 ) Refer below to 15 USC 1692c ( a ) " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt '' Refer below to 15 USC 1692c ( 1 ) " at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location '' Refer below to 15 USC 1692d ( 5 ) " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ''
Product: Credit reporting or other personal consumer reports

I noticed wrong address in. My report XXXX XXXX XXXX XXXX XXXX XXXX The right address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I am working on XXXX  since XX/XX/2023 but my status still seems unemployed Please update my information if possible Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This problem began in the year of XX/XX/XXXX when I was not able to make payments on my account with XXXX ( XXXX Credit Card ) because of hardship. XXXX sent account to XXXX, NC XXXX in which XXXX filed a Judgement against me. Went to court and it was determined that I owed {$16000.00}, plus costs in the amount of {$190.00}, total judgement of {$16000.00}. 

Beginning in XX/XX/XXXX to XX/XX/XXXX I was making payments of {$20.00} to {$25.00} consecutive. I stopped making payments because I was faced with another hardship -- I had XXXX XXXX in XX/XX/XXXX -- had XXXX XX/XX/XXXX. XX/XX/XXXX I had XXXX. 

The big problem now is that I 'm been harassed by Parnell & Crum, PA, Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX, AL XXXX who says that I owe {$18000.00} and will settle with the amount of {$9100.00}. Since XX/XX/XXXX I have asked Parnell & Crum not to contact me because I will pay XXXX directly and have sent payments directly to XXXX Processing Center. How Parnell & Crum got this account I do n't know. I want Parnell & Crum to stop contacting because the Judgement is in Court and in the Credit Bureaus. I think that Parnell & Crum is trying to get {$9100.00} and then might try to get the other half. 

If you need any documents -- I will send them to you. 

Debt is not fully paid
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX  XXXX XXXX, Account name : XXXX # XXXX, Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.