23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I put my loan in forbearance offered under cares act during the pandemic and the bank has jacked up the amount to high than it was before. 
I need an explanation because I understood that under the cares act there should not be any interest charges for the loan during the forbearance period. 
The bank has charged me XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I filed a complaint here at CFPB ( complaint ID XXXX ) about this and received a letter from the other party. My claim was about National Credit Adjusters appearing on my credit report for collecting on an alleged debt with XXXX XXXX. On the letter I received from National Credit Adjusters as a response to my first CFPB complaint, they noted that, " Our records indicate that NCA has been reporting accurately to teh credit bureaus on your XXXX  account. '' WHAT IS MY RISE ACCOUNT? MYCREDIT REPORT WITH XXXX SHOWS A COLLECTION ACCOUNT FOR XXXX XXXX UNDER NATIONAL CREDIT ADJUSTERS ' NAME. What NCA wrote on the letter does not answer the question I posted on my first CFPB claim. ALso, they did not provide me with proof I owed the original creditor anything ( e.g copy of contract, billing statement, etc ). AND NOW THEY MENTIONED " RISE '' WHICH I DO NOT RECOGNIZE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$420.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

This debt collector continues to try and use area codes the same as mine to make it seem like a local caller. There are thousands of complaints online just in my rural Nevada area code of XXXX. If you block the number they just call the next day with a different number. I have no debt after losing my paid off home during XXXX lockdown. Unable to collect back rent from tenants made it difficult to pay taxes while waiting for unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$760.00}
Product: Money transfers

I 'm selling a Minivan on XXXX, and guy text and says he will take it, but can only use XXXX. Get email from XXXX to wire fee thru XXXX XXXX and then I would receive payment. Called XXXX this morning and they said they would never ask for fees and to call police to file a report, plus contact XXXX to file fraud charges with them.
Product: Debt collection

There is an account on my credit report, I have never done business with this company and they are now attempting to collect an alleged {$570.00} I have no contract with this company please remove this item from my consumer report RASH CURTIS & ASSOCIATES
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly.

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Product: Debt collection

On XX/XX/2020, I reviewed my credit report because I am preparing to purchase a home. Upon review, I have a collection account from Midland Funding LLC. I have never received any notification from Midland Funding LLC, notifying me of a debt. Nor did I ever receive any written notification from Midland Funding LLC regarding my right to dispute debt within 30 days or given any documentation proving that I have any obligation to pay any debt. I don't owe any money to Midland Funding LLC, nor do I owe money to any third party Midland Funding LLC claims to represent. Midland Funding LLC has damaged my credit and violated FCRA and FDCPA. This account should be removed immediately, and if it is not, I will plan to sue to the fullest extent the law allows.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to the Credit Bureaus to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance : {$6400.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Product: Student loan

My student loan payments started again in XXXX, after the payment pause. My bill was due on the XXXX, and I submitted payment on the XXXX. It was not credited to my account until after the XXXX and my account was showing past due. I attempted to call Mohela multiple times on the XXXX, XXXX and XXXX of XXXX to follow up and ask why my payment had not been credited. I was on hold for more than 2 hours each time I called, and was never able to get through. I then sent them a message regarding the issue and never received a response.
Product: Credit reporting or other personal consumer reports

CCS COLLECTIONS {$430.00} and COMPLETE CREDIT SOLU {$560.00} Original creditor XXXX  It seems like they are selling this from one collection company to another. I never had an account with Complete credit solutions or XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : On XX/XX/year> my identity was stolen. My social security number, personal cell phone number, email, and bank accounts were all compromised -- including my XXXX ID. They used my XXXX XXXX to make numerous fraudulent charges on my Goldman XXXX XXXX credit card. I reported this to Goldman XXXX. 
We disputed all the fraudulent charges, cancelled the card, and the charges were appropriately removed. 
Then a month later, the charges were made again. They had made more purchases on a virtual card through my XXXX ID. The hackers then paid off the amount to charge more. I called and reported this to Goldman XXXX. They again disputed the charges and closed the virtual card. 
THEN a month later I received a statement with the fraudulent balance back on my account. I called to report this to Goldman XXXX again, and they told me they could not find my account. After some digging by the agent, they were able to find my account under a different number and email. The hackers called Goldman XXXX using my stolen information and changed my account information. I was told by the agent this was being taken care of and apologized. 
Then three months ago, I received a letter from the credit bureau saying my credit was being critically damaged by Goldman XXXX attempting to collect the fraudulent balance. Every month you further damage my credit. This needs to be rectified immediately. 
I have called Goldman XXXX XXXX ( XXXX ) different times to resolve this issue. Multiple customer representatives have assured me that I am not responsible for these fraudulent charges and that they will be removed. Still to this date, there has been no resolution. 
Still till this day, you have the identity theft individuals email on my statements instead of mine. Never once has an agent reached out to me via email or phone. 

My credit is ruined and they could not care less.
Product: Student loan

I contacted America Education Services in XX/XX/XXXX about not being able to pay my monthly payments in full. However, I was told to pay {$270.00} to be able to go through a questionnaire for possible forbearance. Later, I was told I had let time pass and needed to pay again and wait for the payment to post. I paid {$300.00} this time and after the questionnaire was told I qualified for a 2 month forbearance. In XX/XX/XXXX without further I received a letter from XXXX stating I was in default. XXXX agrees that something is wrong, but says its up to the AES, who denies they were wrong. They refuse to answer the question of my giving away {$570.00} at their request for me not to interested in the forbearance as noted by their agent. They will only say mistakes happen and we apologize. I have never defaulted on a loan before and due to this can no longer attend school to pursue my dream as a school administrator. I am only asking to be reinstated from default so that I may consolidate this loan. AES misrepresented themselves and provided information that was not true. They refuse to try and work with me.
Product: Debt collection

I disputed it. They say i owe this company but i never had electric with this company. I only used XXXX XXXX XXXX XXXX. My identity was stolen. I have no idea of who they are. I live in ohio only. Never got electric anywhere else. My gas was XXXX. This is fraud.
Product: Credit card or prepaid card

Jared account was opened using my information. This is fraud. See attached FTC Affidavit.
Product: Credit card

I called City Bank on XX/XX/year> and spoke to them on the condition if I made a large payment paying off my card if they would credit me XXXX  months of interest charged which equalled about {$1300.00}. The agent said she was only able to go back XXXX months and would credit me if I was paying off the card at this time, which is how we got to that amount. I then made a payment on this agreement for {$25000.00} over the phone that would be the balance after the adjustment for the XXXX months as agreed. She informed me it could take XXXX days for the adjustment to process which was fine. About a week later I received a letter by mail stating they were not going to give me the credits as they original agreed to while taking a payment. I then called and asked to speak to a manager who said that they decided not to approve that, they said they would help file a complaint. It has now been an additional XXXX weeks. I made the payment in good faith based on the agreement their employee made with me and then took my payment. I would like to Citi XXXX it's promise it made while they accepted money on that pretense.
Product: Mortgage

This complaint is formally made against Bank of America ( " B of A '' ). B of A has committed UDAAP violations, did not properly apply my mortgage payment, may have damaged my credit, improperly charged late fees, and misrepresented what will happen with my loan after the Cares Act forbearance has ended. 

Here are the facts. My wife was laid off as a result of the Covid-19 pandemic and I asked B of A to provide me with a forbearance. I specifically informed B of A at the time that I did not want a balloon payment at the end of the forbearance and wanted my maturity date to be extended the same length as the forbearance. I was informed by B of A that I will obtain a modification after the forbearance terminates that will extend the maturity date. 

In XX/XX/XXXX, instead of a loan modification agreement, I received a balloon loan agreement from B of A. I called B of A because my forbearance was ending in XX/XX/XXXX and I did not want the forbearance period to be placed at the end of the loan as a balloon payment ; I wanted a loan modification. B of A 's representative informed me that she will send me the loan modification paper work. 

I never received the paperwork and I paid XXXX 's mortgage payment on time. 
My mortgage statement showed that I have not paid for the XX/XX/XXXX mortgage payment. 

On XX/XX/XXXX I called B of A and the representative told me that the payment was applied to the XX/XX/XXXX periodic payment and not the XX/XX/XXXX periodic payment! She also informed that that she will send the loan modification paperwork but I will also have to provide financials. At no time did B of A mentioned that I had to provide financials to see if I qualify for a loan modification! 

On XX/XX/XXXX, I received another Balloon agreement and not a loan modification! 

I want the CFPB to investigate the unfair and deceptive practices of B of A because they are harming me and thousands of other borrowers who obtained a forbearance during the Covid-19 pandemic and are forced to sign balloon agreements or face dire consequences ( applying payments to the XXXX periodic payments and effectively harming credit scores ). 

I also want what B of A promised and provide me with a loan modification ( without financials ) which extends the maturity date the same amount of time as the forbearance, reverse the late charges, and ensure my credit report is not harmed by not applying payments appropriately.
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 168b permissible purposes of consumer reports. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Mortgage

Hello, Im not sure if you are aware about the unfair practices going on with banks and mortgage services, where their lenders are in forbearance, due to the COVID-19 pandemic. I would like to shed some light on this. 

I was on the phone with my current mortgage lender ( Flagstar ) for over an hour. Flagstar took over the original mortgage loan I had with ( XXXX ), in XXXX. Flagstars loss mitigation task force, is offering me a loan modification agreement, that would add the missed months of payments ( approx. {$28000.00} ) to my current principle. This would make my principle more than it was when the original loan was taken out to purchase my home.

Flagstar is doing a very good, creative, and in my opinion, deceiving job of making this option sound good. They are doing this to make people sign up and agree to the modification terms, which do have a lower interest rate and does lower the monthly payment, but adds a significant amount of money to the principle. Flagstar is also saying that this is the only option that the VA approved. This is a flat out lie. The VA is an insurance provider, not a bank. They dont have a say in how the lenders lend, the VA just guarantees the loan. The bank could extend the months missed to the original loan and make everything right, but the banks are looking to make an unfair amount money and they are trying to benefit from a world pandemic. 

My original loan servicer ( XXXX  ) offered me a deferment option while I missed payments from XXXX to XX/XX/2020. XXXX  informed me that I could add the missed months to the end of my mortgage agreement, but since FLAGSTAR took over my loan in XXXX, they will not uphold the same agreement. FLAGSTAR is allowing all other loans ( like FHA loans ) to add the months to the end of their mortgage, but FLAGSTAR says they can't do it on VA loans, because the VA doesn't allow it. This appears to be very coincidental timing on FLAGSTAR and XXXX XXXX  part and appears to be investment fraud, given the perimeters and financial gains FLAGSTAR will obtain due to these unfair loan modifications. 

I am very concerned that my fellow veterans are going to come to the realization that they were just mistreated / misled and agreed to something that makes them worse off. In my experience, with my fellow Vets, we dont take it so well when we feel like someone, some organization, or XXXX forbid our own government wrongs us. Veterans do the right thing for the right reasons, even when no one is watching. 

Please assist me and my fellow veterans in this matter. 

Respectfully sent, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

HI THD/CBNA ; I was shocked when I reviewed my credit report and found late payment on XXXX TO XX/XX/year>. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I neverauthorized. I have heard of companys pulling your credit without permission and Iknow that it is not allowed. Please remove the following unauthorized inquiryXXXX, XXXX, and TransUnion, of the removal of these fraudulent inquiriestoensure theaccuracy of my credit file. I am also seeking written confirmation of theinvestigation results and any actions taken to rectify this matter. According totheFCRA, you areobligated to provide me with a written response within 30 daysofreceiving thisdispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please beadvisedthat any failureto comply with the FCRA 's provisions may result in legal actionandreporting of yournon-compliance to the appropriate regulatory authorities.