23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I placed my FHA mortgage on forbearance in XX/XX/2020 while it was still current as we are XXXX and had major financial setbacks due to XXXX. Navy Federal Credit Union has consistently added interest and LATE fee 's and reported those amounts to the credit bureaus which has effectively made my credit scores go much lower. It appears that I am over my credit " limit '' on my mortgage account over {$4000.00}. I also am aware that NFCU has suspended doing FHA loans at all so I feel like this is a way to eliminate existing FHA loan customers. I recently requested to come out of forbearance last week and have heard nothing from NFCU until last night when my account was placed on restriction due to having a delinquent debt ( mortgage ) and have attached screen shots showing that. I also had to answer questions last night about my mortgage before I could do anything else or access any other checking accounts confirming the amount that was now due ( {$4200.00} ) and how I intended on paying that balance and nothing about a stand alone claim which I thought I had applied for. Access to my mortgage online is and has been restricted for quite some time. I was then informed that I needed to contact them to seek other options as my past due amount from forbearance was due by the end of the month giving me 2-3 weeks. I also inquired this morning to 2 representatives on the phone as to why my account privileges were restricted now and no one I spoke to could answer that question. I am being treated like I have done something wrong. Additionally, I applied for a secured credit card that was recommended after being pre qualified for a credit card and had several hard pulls on my credit report only to be denied because I was delinquent on my mortgage! I just checked my credit score and because I have done everything I could to offset the negative additions to my loan balance by NFCU, it is now up to XXXX. I thought NFCU was trying to help its members financially when all they have done is try and punish me even though i have never been late on any of my loan accounts since being a member. If I can not get this resolved I will start contacting some legal resources and have them assist me since this should not be happening to those of us who have had XXXX and have struggled with this pandemic for over a year.
Product: Debt collection

I XXXX XXXX date on XX/XX/22 am demanding Wakefield and Associates to provide me a validation of debt pursuant to 15 U.S. code 1692g, and also, who gave you the rights to violate my rights to privacy?
Product: Credit card

I got an email in XX/XX/XXXX stating that I made a charge to a XXXX company. I never used the card for that charge, it was fraudulent {$73.00}, there were no other charges because I never used the card. I called Citicard customer service, and they agreed that the charge was a fraud, I said I wanted to cancel the card. I had been with them since XXXX but rarely used the card anymore. Instead of simply cancelling my account I was kept on the phone, transferred from and to many different reps for close to if not over an hour. I was getting on-going stalling about ending my account which actually had a {$20.00} credit. I said I didn't care about the credit. The reps said they could not cancel my account but finally did so well after an hour. This call I made was XX/XX/XXXX in the evening. For the past several weeks XXXX  XXXX, I have been getting robo-calls from Citicard saying I owed {$40.00}. I ignored them knowing I did not owe and I cancelled my card XX/XX/XXXX. Today I got an email saying I owed a minimum of {$20.00} on a {$40.00} balance. I called citicard XXXX today XX/XX/XXXX and again they would not resolve the issue after being passed on to 5 different reps within the 2 calls with no resolution. The final # I called that the rep gave me was their collection department! It was another runaround. I got very frustrated as they passed me around from rep to rep. I said my account was cancelled and I did not make any charges and I do not owe any money to citicard. They just kept feeding me that I owed {$40.00}. I asked what the charged was for, as I didn't use the cancelled card and their answer was convoluted about the previous fraud charges.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX is the statements date The fraud happen on XXXX XXXX XX/XX/XXXX the amount is XXXX I have contacting all companies involving I have filed police report. The last time I used the credit card was XX/XX/XXXX Someone fraud it through some type of online fraud.. I was part of identity theft.
Product: Mortgage

On XXXX XXXX, Fay Servicing issued a check for escrow overage. Since my father co-signed on the mortgage, the check was in both our names. He passed away over a year ago. I contacted Fay Servicing in XXXX and explained he had passed away and I need the check reissued in my name. I had to send death certificate, birth certificate, driver 's license and I even sent a copy of his will. I was informed to send the check back and I did. XX/XX/XXXX the check was returned requesting signatures. I call confused. I was informed a new check was issued XX/XX/XXXX. On XXXX I called because I still had not received the check. I was told to call back on XXXX. When I called back I was informed that the escrow check would not be issued until I paid XXXX payment. I still have not received a payment and I am unable to reach my point of contact at the mortgage company. 
Also, my monthly payments went up due to escrow shortages but they still sent a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft my personal information was used without my permission to open a fraudulent account and XXXX credit inquiries. I have filed a police report with the XXXX Texas police department, contacted the furnishers of this data and submitted a federal trade commission Identity theft affadavit in attempt to get this inaccurate information deleted from my XXXX credit report! I demand that action be taken immediately to move forward with deletion of fraudulent data from my credit report! 

Fraudulent account Ic system opened XX/XX/2021 XXXX : {$1100.00} account number : XXXX fraudulent inquiries XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXe XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021
Product: Student loan

The repayment options do not take Into consideration living expenses just gross income. I barely have income left after monthly bills and my son. I 've had years of issues paying the loan back and there has to be an option to help. Other people get help. I could have had assistance with school payment when I signed up for school. I did n't even have a stable home or live with parents. I feel the forebarences put me way in over my head with Intrest and I will always be stuck and I should have never be signed up for the route I was given. I was young and misinformed and could have had way more help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses on my credit report that are not mine. Please remove the following address as they do not belong to be. I dont even understand how someone elses address could even come on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX  My current address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit card

I continue to be denied by any and all Syncrony banka and from any of their existing partners. My credit although not the best this consumer continues to deny me due to a previous bankruptcy that included their company. They are directly discrimainting and not allowing access to any of there product Including care credit, and will not explain in detail reason for denial besides bankrurptcy. 

SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a CFBP Complaint to all 3 Credit Reporting Agencies ( XXXX, XXXX, and Experian ) regarding this hellacious over a year long battle with all three agencies in trying to get fraudulent bankruptcies removed. Recently, XXXX, responded back stating they would block the bankruptcies provided, that I provide the supporting documents required for Identity Theft. I've provided a multitude of supporting documentation regarding the I.D.Theft /fraudulent bankruptcies I never filed in XXXX. This past week, I got results back from my dispute of the bankruptcies filed in XXXX from all three XXXX 's states - Experian ( XX/XX/XXXX ), said that the bankruptcies will remain on my credit file, and XXXX has certified the bankruptcies filed were confirmed as being accurate. XXXX  the same day ( XX/XX/XXXX ), also completed their investigation of the dispute saying XXXX the furnisher of information has verified bankruptcies are accurately reporting an will remain on my credit file until XXXX. XXXX  sent me their investigation resolution via mail around ( XX/XX/XXXX ), indicating XXXX has confirmed and verified the two bankruptcies as accurate. The issue is not the validity of the bankruptcies being filed ( XXXX, XXXX ), however, it was my personal information used, without my knowledge or consent. Now, the furnisher of information XXXX, in XX/XX/XXXX confirmed to me verbally that the two bankruptcy cases ( XXXX, XXXX ) were removed from my file. XXXX had gone even further, by providing to me a secure passcode that I could view/print the information they show in there system. 
I printed a copy of my XXXX file, and the bankruptcies were removed I provided a letter from XXXX dated XXXX XXXX, stating the two bankruptcies have been deleted from their files due to i.d.theft. In this last dispute with all three CRA 's, I sent certified mail to each CRA 's disputing these two bankruptcies on my credit file, however, all CRA 's responded saying missing identifying information therefore they have disposed on my documents. How are ( XXXX, XXXX, and TransUnion ) verifying information with XXXX the furnisher of information that doesn't exist according to XXXX. Unless each CRA can provide to me a copy of their investigation via XXXX, that will show a valid and confirmed investigation report with XXXX confirming the reporting of bankruptcy cases ( XXXX & XXXX ) as accurate. Either the CRA 's or XXXX is attempting to misled the consumer, and /or providing false information to the consumer, denying method of their investigations, witholding accurate reporting information, conspiracy in defauding the consumer of rights and liberty, which violates The FCRA/FTC Rights and Rules. Lastly, I am disputing these bankruptcies with all three CRA 's and XXXX. Also, the inaccurate reporting of the filed date in bankruptcy case XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to report a fraudulent activity that has severely impacted my credit standing. On XX/XX/2023, a credit card was opened under my name with THE XXXX XXXX XXXX XXXX the account number XXXX. I wish to categorically state that I did not open this account, nor have I authorized anyone to do so on my behalf. 

I recently became aware of this situation when I noticed an unfamiliar and unpaid balance on my credit report linked to the aforementioned card. This unauthorized debt has unfortunately affected my credit score negatively, a score which I have meticulously built over the years.

I have taken the following immediate step on my end : Alerted the credit bureaus and placed a fraud alert on my credit reports. 

I request the Federal Trade Commission 's assistance in investigating this matter further and taking appropriate action to prevent such incidents in the future. I understand the FTC plays a vital role in guiding victims of identity theft, and I look forward to any support and recommendations you can offer. 

The emotional and mental strain of knowing one 's identity can be so easily compromised is deeply unsettling. 


I would be grateful for any assistance you can provide in helping me resolve this issue and safeguard my identity and credit. If you require any additional information or documents, please feel free to contact me at XXXX XXXX XXXX or XXXX Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit card

I hope this letter finds you well. I am writing to inform you that I disagree with all debts you are collecting on or are placed with your company, in my name. This is under the Fair Debt Collection Practices Act only. Please note that this is not a request for further verification or documentation of debt ( s ). I simply wanted to make you aware of my disagreement regarding the debt in question. 
I have no knowledge of this account!
Product: Debt collection

On XX/XX/XXXX, I sent a letter to the collection company informing them of my correct address and for more information about the debt they were claiming I owe. 

Negative marks have shown up on my credit score and need to be removed ASAP because I am trying to purchase a home. 

On XX/XX/XXXX, I sent an additional letter stating that the negative marks are still on my credit report and they have not provided any proof or evidence that this is owed by me. 

I sent my letters with tracking and will attached that information to show that they have received both letters.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the fair credit reporting act, 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.
Product: Mortgage

I previously submitted a CFPB complaint back in XXXX, however it still is unresolved. 

I submitted an assumption package via email XX/XX/year> to the XXXX email address that is on the application stating i can email the package to this email. 

I never heard back, submitted multiple more emails on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX With no response to any email sent. 

I received a phone call in early XXXX, stating they needed additional documents that i submitted on XX/XX/XXXX, however i have not heard back at all, and in the CFPB complaint the response from XXXX care they stated that they have yet to receive any application at all however i submitted it twice to them, once on XX/XX/XXXX and another time on XX/XX/XXXX. The date on the CFPB complaint says XX/XX/XXXX, which means they did receive my application twice before responding. 

I have called numerous times with no response from Loan care, and responded to the CFPB complain letter trying to call the XXXX XXXX XXXX XXXX at XXXX and the message says i should get a call back within XXXX hours, however i called twice and have not heard back and this was over XXXX hours ago. 

I am court ordered to complete this assumption, which i submitted in XX/XX/year> and i have yet to get any communication with any underwriter in this matter. 

It is completely unacceptable for phone calls and emails to go un responded to, when i have the right to assume my mortgage into just my name. 

I have done all things needed and requested thus far, however i have not heard back at all from Loan Care to assist me with resolving this matter, nor a representative letting me know if there is anything left for me to submit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX breach caused my ftc violation XXXX XXXX 2 accounts XXXX XXXX sent the police report with all ftc violation j
Product: Debt collection

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of identity theft. Please help me with the removal of the following fraudulent inquiries from my Equifax credit report : XXXXXXXX XXXX- XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX I have already sent a request to Equifax asking to remove the inquiries. However, they declined my request. 

I have no connection to these companies and have never sought any form of credit or financial services from them. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate or fraudulent information on my credit report. 

I have submitted FTC report. Please find it in the attachments, along with other documents. 

Sincerely, XXXX XXXX
Product: Credit reporting

I 've submitted several certified letters to all  XXXX  credit Bureaus about inquiries that I was unaware of listed on my Credit Report as of today I still have n't gotten a response. This situation is affecting my process of purchasing a home. Please instruct me on what I should do next. I 'm looking forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

I went to Kohls website to ask them if they would remove the penalty for a late charge since I paid my balance in full. They said that they would but its yet to be reflected on my credit report. Several times Ive opened a dispute with XXXX but no one ever reached out to ask me for proof nor was I given clear instructions on how to submit proof to support my claim.
Product: Credit reporting or other personal consumer reports

I have requested to XXXX XXXX to validate and verify the negative account they arereporting on my personal credit profile, including providing an acknowledged agreementand transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.
Product: Credit reporting

Last month I sent a certified letter to Experian to dispute an Account # XXXX currently being serviced by XXXX XXXX XXXX XXXX company. I filed a complaint with the Consumer Financial Protection Bureau against this company back in XXXX of 2015 complaint # XXXX. CFPB sent my complaint to XXXX XXXX XXXX on XXXX XXXX, 2015, and was suppose to get a response from this company within 15 days. Today is XXXX XXXX, 2015 and still no response. I filed a complaint with Experian Credit reporting agency and received their findings concluded that this account was validated by the collection company, but yet in still they have not responded to me or the CFPB. I am sure that Experian did not validate this account but from what I have read are friends with the owner of this collection company and are protecting this company interest. I want Experian to provide me and the CFPB with the validation information received from this company. And I want this account removed immediately from my credit records and confirmation of this sent to me immediately.
Product: Mortgage

PHH has been preventing me from my phone appointments on purpose. I have a scheduled appointment for XXXX. No one called me and I recorded all my calls that proved Im being treated poorly and lied to. I am suppose to be offered a repayment plan today after emailing over my profit and loss statement. No one is helping me.
Product: Credit reporting or other personal consumer reports

This my Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies 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 information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXXXXXX 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 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
Product: Checking or savings account

XXXX months ago, my bank notified me of questionable & fraudulent activity in my accounts at Capital One. Since then, my accounts are locked down and when I call, I'm routed to the Consumer fraud division 's section & my only option is to leave a voicemail. 

The voicemails aren't responded to and I'm unable to verify if or when my XXXX has been deposited or any news of when I can retrieve any funds. 

I'm going to continue to open these complaint until I recieve all the funds, Capital On doesn't need my funds to invistigate