23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a XXXX at my residence in XXXX XXXX, the property was deemed a total gut, by the insurance company. I 've started the process of repairs after being paid by the insurance company. The mortgage company is in possession of the funds. After a mortgage ordered inspection, which was deemed to be XXXX % of the work completed, it was lowered to XXXX %, after review by their inspection team. " According to the mortgage company the pictures do n't justify the percentage. I have still been paying the mortgage monthly, I 'm in XXXX XXXXg the policy limits will be reached next mo th, then I will be responsible for the rent which is XXXX and my mortgage which is XXXX per month. I need the .mortgage company to cooperate and release the remaining funds, so I can compleye the need repairs so I may return to my home by next montj
Product: Debt collection

My medical debt, which I had a payment plan set up with the facility then they switched to XXXX and sent it to collections, I was trying to set up a payment plan on XX/XX/2019. I wanted to continue paying what I was paying with XXXX XXXX, {$100.00} every other week. I spoke with XXXX XXXX at Professional Service Bureau , INC in Minnesota. First of all, she was very difficult to understand and she clearly did not always understand me. She told me I had no choice but to pay in 10 installments and that was all they would accept. I informed her I could not afford that and that I could afford less. I offered first {$50.00} every two weeks. She then offered me a settlement and told me I needed to take out a loan or ask others for the money. She told me " you can just borrow against your 401K! '' She was very rude and condescending. She then told me the minimum was {$400.00} and I had to pay {$100.00} per week. I again said, no and offered {$200.00} per month. She threatened that my debt was going to a lawyer if I did not pay the full amount. I told her I couldn't. She then said I could pay {$200.00} per month. I said OK, where do I send it. She said, well it won't be a payment agreement and it will still be going to a lawyer. I said you said it would be, she then again changed her mind and said well it would be. She then said in a threatening voice, " YOU BETTER MAKE ALL THE PAYMENTS!! AND NOT MISS EVEN ONE! '' I asked if she was threatening me, she then said, WELL JUST MAKE EVERY PAYMENT. I felt very threatened by her tone and words.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to report a serious matter of identity theft that has recently come to my attention. It has come to my knowledge that my ex-husband, has unlawfully stolen my identity and opened fraudulent accounts without my consent or knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am providing this information to you with the intention of taking immediate action to rectify this situation and to investigate the identity theft incident thoroughly. I did not authorize or have any knowledge of these accounts, and I have never conducted any business with the aforementioned institutions or individuals on these accounts. I believe my personal information was used fraudulently to establish these accounts, which is a criminal offense.
Product: Mortgage

I have tried on several occasions to get extra payments made applied to principal. The last time I spoke to XXXX XXXX on XX/XX/XXXX and the problem is still not resolved. They are applying it to future payments and charging me interest on the principal balance with out the extra payments applied. I currently don't owe a payment until XX/XX/XXXX. I believe they are doing this to get more interest applied to my account.
Product: Mortgage

Loan Servicer withheld information from Escrow and Title Company that they paid the taxes. Therefore, Escrow and Title Company withheld {$4700.00}. Loan Servicer needs to provide copy of cancelled check or issue stop payment and reissue funds to me. Included is proof escrow withheld the property taxes and paid them. Even with a release they refused to work with the Title Company and Escrow company to clarify payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX Balance : {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported 5 accounts 150 days late on my Transunion report. I have reported the accounts false and disputed them. Transunion has said that the account has been verified with the account having several pieces of inaccurate information. They have not verified anything with the accounts. This violates the laws with the Fair Credit Reporting Act. Transunion can not verify these accounts and they must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

Portfolio says that I owe them {$2600.00}, but Portfolio has never sent a Regulation F letter, only letters with payment plans and threatening to send to litigation department.
Product: Credit reporting or other personal consumer reports

Consumer Name : [ XXXX XXXX XXXX ] Consumer DOB : [ XXXX ] Consumer SSN : [ XXXX ] This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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, inaccurate, and false information consists of : XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXXXXXX {$490.00} XXXX XXXX {$8800.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX XXXXXXXX {$430.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX {$280.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$26000.00}
Product: Debt collection

The lady at foster and Monroe threatened to garnish my paycheck if I didnt pay by 12 am that day. Also has called me over and over and over again. She also tried to tell me my mom doesnt care about me. She gave me false information about my mom. Shes been very harassing thats why I thought it was a scam and didnt trust paying the debt because Ive never had a collection agency use scare tactics like telling me she would garnish my wages if I didnt pay by midnight and telling me it would hurt my credit. And telling me my mom doesnt care that I will have to pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX that has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. The company in question has failed to provide me with the right to opt out of reporting information on my consumer report, which is a direct violation of 15 USC 6802.

Furthermore, the company is using my information for their own benefit and has inaccurately reported information on my consumer report with Experian and XXXX XXXX. The last verified section is inaccurate, the date opened is inaccurate, and the date of last activity is also inaccurate. This is a clear violation of 1681n, which states that any person who willfully fails to comply with any requirement of the FCRA with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure. 
In addition, I have sent multiple correspondences to the company regarding their violation of 1681a ( d ) ( 2 ) ( A ) ( i ), stating that my consumer report excluded information solely as to transactions or experiences. However, the company has failed to respond to any of my inquiries, which has caused significant harm to my financial standing and creditworthiness. 
I am requesting that the Consumer Financial protection Bureau investigate this matter and take appropriate legal action against the company for their violations of my rights under the FCRA and the Privacy Act of 1974. I also request that the inaccurate information on my consumer report be corrected immediately.
Product: Credit reporting or other personal consumer reports

These hard inquiries are frandulent and does not belong to me. I did not authorize this inquiries and have no record of requesting or applying for any credit or services from these companies. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In my credit initially appears a debt of a car that I made with XXXX. 

This debt was transferred to XXXX XXXX for the month of XXXX and XX/XX/year> they reported a delay that is not correct. I even went personally to XXXX and they do not know how to confirm these arrears. 

Then I have made multiple steps with TransUnion medinate call or letters and they write me that the information is correct. 

When XXXX XXXX itself can not confirm these arrears. 

Who is lying? TransUnion or XXXX XXXX? 

So who here is protecting us as customers? 

I am therefore demanding that this XXXX XXXX account be corrected or removed from my credit. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of refinancing my mortgage and need all three credit reports. I had frozen all three of my credit reports and had no trouble unfreezing them except for Experian. Not sure what the problem is, but every time I try to unfreeze my account, I get the response " unable to process as our records show you have already requested that your freeze be temporarily removed. '' This started on XX/XX/22 and that has been the response I have been getting all week. Except that the account has not been unfrozen and my mortgage company has not been able to access my credit report. 

I have called all the numbers I could find for Experian, but none of them put you in touch with a live human being who can help with this problem. In fact, the numbers run you through several phone trees and then hang up on you. Also there is nowhere on their website where you can contact them and ask for assistance. 

I pushed so many buttons on the phone, I ended putting a fraud alert on my account which I did not want to do. But I could not find a way to remove the fraud alert either. 

This is not just a problem for me, but a systematic problem for consumers. I hope your agency will look into this and help me reach someone at Experian or have someone contact me. I am praying that my refinance efforts do not fall through. Thank you. 
XXXX XXXX
Product: Mortgage

We refinanced last fall with XXXX, and our mortgage was being serviced by XXXX XXXX XXXX. We then learned that our mortgage was being transferred to Mr. Cooper. It took a very long time - nearly two months from when we received notification that our loan was being transferred - before we were able to access our information on the Mr Cooper site. ( We got the transfer letter XX/XX/XXXX, and it was XX/XX/XXXX before I was able to set up my account with Mr Cooper and make payments. It's possible that I could have set the account up a few days before then - I was trying at least once/week, but wasn't trying every day. ) During the long period when we weren't able to access any information about our loan on the new servicer 's web site, I had extended conversations on the phone with representatives from both XXXX XXXX XXXX and Mr Cooper in which I was assured that everything was fine, not to worry, there's a 60 day grace period in which there aren't any late payment fees or negative credit effects or anything in order to allow time for everything to transfer over. 

After setting up our Mr Cooper account and making payments, and it seeming as if everything had finally been resolved, we received a letter dated XX/XX/XXXX stating that our loan was in default. I was pretty sure this was some kind of clerical error, and talking to representatives from Mr Cooper on the phone today it sounds as if that's correct, but still - it's absolutely terrifying to get a letter saying that we're in default on our mortgage, after getting repeated assurances that everything is fine and we have a 60 day grace period and it's all going to go smoothly and not to worry. 

So I want to ( a ) make sure that it's really true that there aren't going to be any negative effects - that the only mistake was sending out the letter to us, and that there weren't also negative reports erroneously sent out to credit agencies, ( b ) ensure that if there were any additional erroneous reports, they're corrected, and ( c ) register a complaint about the sending of such a terrifying document when our loan was not in fact in default. Even if it turns out that there aren't any tangible negative financial consequences for us, it's still not ok to send out letters that are going to scare the daylights out of people when in fact all that's happening is that the mortgage servicers are taking a long time to sort out the exchange of information ( or whatever it is that makes it take so long for the transfer to complete ). I've also now lost much of a work day on the phone trying to sort this out and make sure that we actually aren't facing a total, life-altering financial catastrophe. So another motivation for filing this complaint is to provide some impetus for Mr Cooper to change their practices around sending these " you're in default '' letters in order to prevent other people from having to go through this sort of terrifying experience.
Product: Credit reporting or other personal consumer reports

Once again Experian refuses to acknowledge letters written for which i provided power of attorney documents for. Additionally Ive submitted the same documentation via this medium ( CFPB ).
Product: Checking or savings account

I have been a victim of identity theft and i have been trying t obtain my report with you all. I recently applied for a XXXX account and there was a denial. I have never defaulted on a bank account and someone have opened accounts in my name. I need you to take this fraudulent accounts out of my name and I am not responsible for someone elses crime and stealing my identity.
Product: Debt collection

I signed as a lease guarantor for my grandson to rent an apartment on XX/XX/XXXX. On XX/XX/XXXX, I received a voicemail message from the leasing agent that she needed to talk to me about some issues that had experienced with my grandson but she would be sending an email with more details. I received the email along with a letter from an attorney dated XX/XX/XXXX alleging that XXXX 's behavior on the premise had violated the lease agreement. On XX/XX/XXXX, XXXX was served a 3 day notice to quit. His rent was paid thru XX/XX/XXXX, he never paid late and there was no damage to the building. I contacted the leasing office to request protocol for paying the rent for XX/XX/XXXX and requested additional time for XXXX to vacate given it was holiday season. I was told that the XXXX XXXX would not accept additional payments from me because the eviction notice had been served. XXXX returned his key and vacated the premises on XX/XX/XXXX. IQ Data reported a collection account against me in XX/XX/XXXX. I was never contacted by XXXX XXXX or IQ Data regarding an unpaid debt until after I called them. When I contacted IQ Data I was told to pay or the collection information would remain on my credit. They say if I pay, " we can make it go away. In believe that if XXXX XXXX believed that I owed any money they would have contacted me since my contact information never changed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies found on my credit report. After conducting a thorough review of my credit file, I have identified several accounts that do not belong to me and were fraudulently opened using my personal information. I believe I am the victim of identity theft, and I am requesting the immediate removal of these items from my credit report. 
The following accounts were fraudulently opened and are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts were opened by an individual or individuals who used my stolen identity. I have never provided my personal information for the purpose of opening accounts with any of these institutions. Therefore, I do not recognize these accounts, nor do I have any knowledge of their origin.
Product: Mortgage

I applied to get a loan through Freedom Mortgage. Freedom declined my loan because they weren't able to verify my CPA which isn't my fault. I offered to have my old CPA write a letter but they weren't taking it which seems odd to me. Im at risk of losing $ XXXX earnest money deposit and Freedom doesn't seem to want to help in any which way. Please Pleaase Help!
Product: Mortgage

My wife and I XXXX XXXX in XXXX of XXXX, During that time we were unable to make mortgage payments, During that time our mortgage company changed and we found we were very behind on the and were unable to make payments. At this point we are completely under water. 
There was a XX/XX/XXXX foreclosure date set. We asked the judge to adjourn and that was granted. The foreclosure was postponed until XX/XX/XXXX. 
The issue is we submitted a complete short sale packet on XX/XX/XXXX. The lender denied the offer due to not a sufficient offer. They did not counter or anything. 

The adjournment was granted and a new foreclosure date was set for XX/XX/XXXX BUT the issue is Fay Servicing says they are requiring 37 days prior to the foreclosure sale in order to review for a short sale. 
They didn't postpone for enough time. Can you please postpone longer than 37 days so we can properly get the short sale review opened up?
Product: Credit card or prepaid card

Received an invitation from APPLE for the Goldman Sacks/Apple credit card and I unlocked my credit fill out the application which was denied. When I tried to ask why was denied it seemed that APPLE had no idea and was told that Goldman Sacks denied it. They told me that will receive a detailed explanation, but instead I received a general not applicable document in a pdf form with a generic application troubleshoot. ( ATTACHED ).

I followed all the steps and instructions to the letter.

Tried to reach Goldman Sacks but was not able to do it, and although I was told that I will receive a detailed explanation probably in mail by APPLE support nothing came!

As you heard by now, Goldman Sacks is using illegal techniques to discriminate and other people have complaint about it publicly too.

I need a detailed explanation from Goldman Sacks, about the Denial of my application for the APPLE card. I am entitled to it.
Product: Mortgage

I had appealed my property tax value and was expecting to receive a refund from the county tax assessor for {$1500.00} from my XXXX property taxes. However, because my property taxes were paid through my mortgage payment the county erroneously sent the refund to Wells Fargo on XX/XX/XXXX. When I requested that they put the refund in my Wells Fargo checking account, they denied my request and kept the refund as a credit towards my future property tax payments. Which were also going to be reduced and would create an excessive credit balance going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on my Experian credit report regarding an account with XXXX XXXX XXXX XXXX account number # XXXX. I have requested that this account be removed from my file. It was recently added to my Experian credit file without me being notified of its existence and therefore I was not able to dispute this article in timely manner. I also requested of Experian to send me any and all information regarding this occurrence such as when its was added to my file, a copy of the notification sent to me to notify me of this action, who authorized this filing and why was I never notified of the filing originally. I have also repeatedly asked Experian to update personal information on my file that is incorrect such as places of employment, places of residences, phone numbers and persons associated with me. I have never received notification of their investigation into my personal information and unless I purchase an upgrade to their company, im not allowed to see this information further. 

thank you for your time and support XXXX XXXX