23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Regarding XXXX, XXXX PHH Mortgage Services, Mtg. Loan No. XXXX. I applied for and received an initial COVID19 forebearance, although I never got behind on my mortgage during this initial period of 3 month XXXX or XX/XX/XXXX. After the first period expired, because we were still under pandemic and few people had gotten shots in XX/XX/XXXX a representative of PHH Mortgage Services called me and extended the courtesy of extending another 90 day period of Covid19 forebearance of which I went through the steps and accepted. I paid XXXX 's payment late because knowing I had the forebearance and nothing would report negatively on my credit bureau, I was about 45 days instead of under 30 days paying this payment. I got caught up on outstanding debts in XXXX and paid XXXX 's payment around XX/XX/XXXX or XXXX and then paid XX/XX/XXXX payment around XX/XX/XXXX which my account reflects this and show a due dated of XX/XX/XXXX. When I checked my credit PHH has reported my mortgage payment delinquent for XX/XX/XXXX. I called them and advised them they offered and I accepted the COVID19 forbearance for new 90 day period and they were not supposed to show my account delinquent. They then advised me I was NOT under XXXX forbearance. I asked them " how could this be? '' when they called me and we took care of putting the forbearance on my account per their discretion. They were rude and put me on hold and never came back to the phone. I am very upset about this reporting especially because they extended the " olive branch '' and offered me another forbearance just in case I needed it and now they have not put it on my file and have wrecked my credit bureau file. I need this fixed and I also need a complete payment history of this loan form XXXX through current because something is wrong. This loan is over 18 years old and the balance is up not down. the principle balance started at {$52000.00}. and is currently {$54000.00}. I don't understand. I know I had a medical hardship, and I struggled for a while, but payments were being made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXXXXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/2021 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$5500.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX THE BANK OF XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$190.00} XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX XXXX XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested Transunion remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner.
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 : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account Name : XXXX  XXXX Account XXXX 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: Student loan

I have student loan with XXXX ( XXXX XXXX XXXX earlier ). 
I am making regular scheduled payments or auto draft from my bank account. I noticed that all the payments goes toward the interest and nothing toward the loan principle. 
Contacted the company for explanation and the agent but was not able to give straight answer and stated later will see reduction on my principle. 
There is no explanation or monthly bill from them and on their web site just have the payment history. 
Recently, after being frustrated with their practice, I re-finance my loan. But I was charged more interest again could not get any answer either by trying to call the company or getting on their web site
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Ive worked tirelessly disputing incorrect information on my credit report with Capital One. They are reporting four inaccurate late payments from 2014. Ive never paid late. Ive always paid the full balance off on time every month. We are in the process of refinancing our home and this is causing a significant Challenge. We are needing to have this resolved so we can refinance our home before our son is born. 

This is causing both my wife and I a great deal of stress. My job is to do what is right and also keep her stress levels down while XXXX 

I want to keep my account with Capital One open. I just want my credit reporting statutes enforced by having the correct information reported on my credit reports.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reporting inaccurately on my credit reports, Ive tried to speak with the creditors directly & they have not removed this information from my credit can you please assist me with getting these inaccurately reporting accounts removed from my credit reports.
Product: Credit card or prepaid card

I purchased an American Express Serve card. I never received the permanent card because I moved two days later. I have tried numerous times to call them, but NOBODY EVER ANSWERS. I just want my money back.
Product: Credit reporting or other personal consumer reports

I demand that the collection agency Ideal Collection service immediately stop reporting to the credit bureaus on a completely fraudulent debt. I am attaching the FTC report. The company can prove that the debt belongs to me only by the fact that they know my name and date of birth, they do not have any other supporting information, as well as my signature on the contract does not match my signature. I have never lived in Florida.
Product: Credit reporting or other personal consumer reports

I am formally requesting a investigation15U.S.C 1681i of inaccuractly credit reporting entries that are Afecting my ability to get Credit 15U.S.C 1681 S-2 Items are showing Repeating C/O daily Unlawful changes in Deliquency Dates Misreported active payment history Reading Debt can havevstatue of Limitation dates to be further out which is illegal I Demand Deletion of the items below due to constant inaccurate Reporting : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched onhow to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : XXXX to file a report and Per FCRA section 605b Credit ReportingAgencies are required to remove/block any items listed on an id theft report. Please find theATTACHED documents to assist in the blocking of the erroneous information which is being posted tomy report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX BANK XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$7100.00} XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX BANK XXXX Balance {$7900.00} XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX  XXXX XXXX Balance {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute an incorrect address that is listed on my credit report with Experian in writing and via telephone with customer service agent. Experian " verifies '' this address as correct and refuses to remove this incorrect information. I was the victim of fraud, as indicated by the fraud indicator on my credit report with Experian. I am aware that companies may report my address incorrectly and that there may be multiple individuals with the same or similar name as mine and incorrect information may be incorrectly added, but it is Experian 's responsibility to conduct a complete and accurate investigation and to ensure that only correct information is included on the report they provide. The address XXXX XXXX XXXX XXXX XXXX, CA XXXX is not mine and inaccurate and needs to be deleted from my credit report immediately to avert further fraudulent activities.
Product: Credit reporting or other personal consumer reports

All companies that are reporting to my consumer report are continuing to report nonpublic information to my credit report. I have already sent each company opt out letters which stated that I am opting out of anything being reported to my credit report that I do not agree to have reported. According to the FCRA and the Privacy of 1974, I have the right to make sure my PRIVATE information isn't shared with any credit reporting agency or its affiliates. I have never given them written, non-verbal, verbal or implied consent to report any of my nonpublic information to the Consumer Reporting agencies. 15 UCS 6802 states that A financial institution may not disclose nonpublic information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never informed of my right to exercise my nondisclosure option. I've also sent letters to XXXX, XXXX and Transunion and revoked any consent to furnish any information to my consumer report that I do not agree to have furnished. According to 12 CFR 1022.3, the definition of Identity theft, which means a fraud committed or attempted by using the identifying information of another person without their AUTHORITY, this matter could also be identified as IDENTITY THEFT because i never gave them any authority to do so. There reporting has severely impacted my credit score and I would like to be fully compensated for this.
Product: Credit reporting or other personal consumer reports

I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and false information consists of the following auto loan account XXXX XXXX, XXXX / XXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the US federal trade commission that the mention account and collection are the results of identity, death and fraud.
Product: Debt collection

I paid this debt off in the amount of XXXX on the XX/XX/XXXX this year. The debt was removed from my credit report on the XX/XX/XXXX of the same month ; today the debt reappeared on my credit report in the amount of XXXX. It has been more than thirty days and this should be reported as paid. I have yet to be sent my initial promissory note, last bill statement, and receipt for payment.
Product: Checking or savings account

XXXX XX/XX/XXXX, me and my business partner decided to start a company he invested {$31000.00} in the form of a check made from his company. we decided to keep funds in my account until our new company 's filing was done and company account was opened- I opened a Chase savings account attached to my Chase checking account and deposited the check - The check was deposited in pending status and showed the funds would be available on XX/XX/XXXX - On XX/XX/XXXX chase restricted my account citing, suspected fraudulent activity and to call them urgently - I called chase and they stated they need to verify that the check was issued by the creator to me. I gave them the number of the check issuer chase declined to use that number. Chase stated they can only call the number in their system, at the same time chase they do not have any phone number in the system of the check issuer and thus can not call anyone. Chase basically stated we can not take their office number, and stated at the same time they do not have any number to contact ; therefore permanently freezing the matter. 

- Chase stated to tell the issuer to put a stop payment on the check have the check returned. and re deposit as cashier 's check. this will also remove the restriction. 

- I contacted the check issuer to do so. their bank informed that the funds have already left their account therefore they can not do a stop payment - the check issuer went to their nearby chase branch with the receipt of the check to verify ; they indeed wrote the check to me and that it was legitimate. chase denied to accept that as a resolution- Around XX/XX/XXXX, chase closed my checking and savings account. We were waiting for the funds to be returned to the issuer but almost XXXX weeks has passed and there ar eno funds -The issuer contacted their bank ( truist ). XXXX stated they can not do stop payment they can only dispute the check with chase as if it was a fradulant check and therefore have it on my record that i deposited a fraudulent check
Product: Checking or savings account

I received an email from my financial institution Capital one stating theyre having an issue with a third party in regard to deposits and early deposits. I have no received either of my two direct deposits I should have gotten yesterday XX/XX/year>. Im attempting communication with them and Ill sit on hold for 2 hours and my call will drop.
Product: Debt collection

I have a inaccurate debt in my credit reports that does not obtain to me. They refuse to remove or proof ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple items in my credit inquiry history that I did not make.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 card or prepaid card

This is in response to complaint XXXX. This has been picked up by the FBI a detective from XXXX XXXX XXXX. There are 20 people that the man that had me do this has taken advantage of. They are working with I formation on this. They know that he is from XXXX. Here is the detective on the case. 
Det. XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Phone- XXXX Desk- XXXX Also in response to the person that worked on my case. She would not listen to all the calls I made on this. She had me pick a time and only listened to those. I know she heard what I said. She told me in a phone call that since I gave him my log in that she would not consider it fraud. However this man knows how to get around their policy to take large amounts of money from people. They do nothing to protect their customers.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2200.00}
Product: Payday loan, title loan, personal loan, or advance loan

I got a title loan for someone else. He stopped paying on it and now I can not afford to pay on it. I did call and speak to them about it and they refused to come up with a payment plan. In fact they added more interest rate on my loan. It's been almost three years now and they sent me a letter about a judgment. I have no money to pay this all back. I was being harassed for this and I had to change my number also move away. I need help with this and I am tired of getting these letters from this company. On this letter it states I owe {$17000.00} and the car isn't even worth {$1000.00}. They never took the car back for collateral so it just sits parked at my dad 's house. I am very stressed out from this. I am barely making it as it is. This company will haunt you and it's not fair to honest people like me.