23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a loan modification with flagstar back in XX/XX/2018. After reviewing it they say wasn't eligible. I never got a denial letter. Called them daily telling them I never received the denial letter. Flagstar told me to write it up and send it in and include new income. I did exactly what they told. I called 2 sometimes 3 times a week to check on my appeal. They kept saying it was being processed. They even have been rude. You can pull their phone records. They are unprofessional. Ok finally you got supervisor on the line and she told me to send in my contributor receipts I did. Ok called back something it is being processed and they have 30 days to come back with a response. They did not look at my new income at all. They automatically said it wouldn't work. So on the last day a loss mitigation representative XXXX called to say that the underwriter needed 30 days of pay stub. I have been calling 3 times a week and never was told this. On their loss mitigation package it clearly states to send in 2. I said ok I will upload them tonight. Well she assured me she will te the underwriter. But then I get a call back from the XXXX stating that I have to reapply. I said why because it is passed your 30 days. That is not my fault. I have been in communication with flagstar. I am XXXX  now because I did request to speak with a supervisor about the situation never received a phone call. It has been 3 week now. I sent back the application the next day with supporting documents. My loan is back in foreclosure with a sale date. Now everytime I call I am missing something. I uploaded everything they ask me to ... the loss mitigation XXXX stated she see the documents but the loan processor XXXX doesn't. They are trying to foreclose without helping. I need help ... please I am XXXX. They are doing the exact same thing they were made to pay for.
Product: Consumer Loan

Appalachian. Lending has harassed us by calling a place we XXXX. And falsifying. That we gave them as references when in fact we did n't. Give anyone that we worked with out there as references. They kept calling. Then sent friends on XXXX and us messages on face book. They had a deputy come out with a paper no court date on it saying they would garnish a hobby my husband does it 's not a business does n't. Clear XXXX a year and it 's doing more raising money for other people. They 've stalked ys on social media to find out he does his XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXX XXXX, DC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DC XXXX , XXXX XXXX XXXX Balance : {$24000.00}, ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX XX/XX/XXXX
Product: Debt collection

According to the XXXX  an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. Im requesting a XXXX [ cancellation of debt ] from the following charge off accounts listed below XXXX XXXX XXXX XXXX XXXX after checking my most current credit report the update information stated the account was purchased by XXXX XXXX XXXX this can not be reported a charge off twice on my credit report the account was sold to another lender. Please send me the XXXX form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a police and FTC Identity Theft report. Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 regarding your continued willful and negligent noncompliance. 

Despite numerous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have properly verified that an account listed on my credit file is mine by having copy the original credit application on file. In the results of your first investigation and subsquent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Who in your verifed these accounts are mine? How did they verify them? You still have provided me with the name of the individual, business address, and telephone number of the person or business contacted during your re-investigation. You have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verfication as required under Section 611 ( 5 ) ( A ) - 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 ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing ligation in this matter to enforce my rights under the FCRA. 

I demand that you send me copies of the documents you used to verify the following accounts listed below or your delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

ACCOUNTS : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX
Product: Mortgage

Ok ... i want the cfpb to know that ocwen loan co contacted me approx 2 or 3 weeks ago and said I could fill out another application packet bc our foreclosure is on hold..which is not true ... the judge already gave XXXX XXXX  summary judgement ... .but they did mail me a packet ... .and then called back about a week later and wanted all my attorneys info ... i gave it to them ... but I have had an attorney for 4 yrs now and this is the first time they have ever asked for his info ... .and then proceeded to tell me all communications must go through my lawyer ... .but when I received the packet I filled it out and faxed it yesterday 3 times!!!! Yes ... i faxed it 3 times ... they always have me refax..redo..resend ... well it 's complete as of yesterday and faxed 3 times ... and my lawyer has an offer in to ocwen for a short sale ... which would allow me to rent it at a much lower payment ... ..and eventually maybe someday own it ... .im letting you know this bc ocwen is plum crazy ... and they are gon na say sorry we ca n't accept your application bc your lawyer did n't fax it ... or sorry we ca n't do the short sale bc it was n't submitted on the right papers ... so we have to take it so we can sell it on XXXX ... ..bunch of garbage ... .ocwen needs to stop this insanity and you guys are the cfpb ... you are suppose to be protecting me from. Unfair ... deceptive..and abusive practices so I suggest you start doing it ... send this to your c eo XXXX it!!!! 7 yrs in enough ... i bout to tell them to take this house and XXXX XXXX ... if I did n't have children ... i would have already!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian only calls the company a debit is with. I am entitled to a full investigation, not just with company, they just get ahold off company take their word and call this verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Bankruptcy # XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX & # XXXX ; XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have a 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
Product: Debt collection

I have attempted and spoke with several people on XXXX campus in XXXX, TX. Once I decided I was not gon na attend school at their campus, I called the school within the qualifying days to cancel my classes. I spoke with a Dean and also someone in the Financial Aid Department who told me that they would make sure that I didnt accrue any charges to my account and if i did, they would take care of the charges. The school has since changed Deans so many times ... I have tried to resolve this debt with the school several times and they have recently sold the Debt to a collection agency and dropped my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2019 I traded in my XXXX XXXX XXXX in which I was going to buy a XXXX XXXX. I was under the impression that I sold the vehicle to the dealership while waiting for my custom vehicle. The dealership provided me a loaner until my custom vehicle was completed. It took longer than expected which caused 2 late payments on my credit. The dealership in fact paid the payments off and sent 2 letters to XXXX XXXX XXXX letting them know it was their fault and excuse the late payments. I received a letter from XXXX asking for documentation. The XXXX dealership again sent them documentation of the transaction and also asked to pardon the late pays again. XXXX XXXX  refused to remove the late payments after the dealership admitting FULL fault of the late payments. I am simply in need of them to remove the 2 late payments on my credit which is creating a hardship on my life. Im not able to obtain anything due to the late payments making my scores drop tremendously on all 3 credit bureaus. I have spoke to several representatives who thought that the credit bureau management team would have the decency to adjust my account. After weeks of begging them they still refused. This was my last resort in order to try to get my life back on track due to someone elses mistake that they took responsibility on.
Product: Debt collection

Aqua Finance is taking auto payments from my bank account for an account. They auto debit $ XXXX. Some promo ended which increased the payment to {$36.00}. They did not send an email to let me know of the change. They say i was sent a statement via mail, and that may be the case however all previous statements are to remind me that an auto debit is about to occur. I would have no reason to believe this would be any different.

In the past, they have called and emailed me when my auto debit failed. This time, Aqua Finance reported me late to all credit bureaus, even though they are receiving auto debits on time for the original {$24.00} amount they set up as recently as XXXX of this year. The terms changed in XXXX to {$36.00}.

I called and requested they change the amount of the auto debit to {$36.00

} and remove the late payment from the credit bureaus, since they have been receiving payments on time and that I was not emailed ( my primary method of contact ) of the change. They refuse to remove the late payments. I need help asap!!!
Product: Credit reporting or other personal consumer reports

I was a victim of Identify Theft back in XXXX. I found out when I received bills from XXXX, XXXX XXXX XXXX, and XXXX. I filed a police report immediately. I also found out fraudster opened a fake credit account with Experian, XXXX, and XXXX. My information was leaked through credit bureau data hack. Phone companies made it hard to reach human representative to report and close fraudulent account, even though account was easily made without proper check. Credit bureaus also make it difficult to reach a human representative. I had to fight and spent lots of time and energy. Eventually, I was able to get back my credit bureau accounts. No companies provided compensation for wasting my time and putting me under stress and hardship. XXXX sent fraudulent account to debt collectors and Experian allows debt collectors to instantly add collection account to my credit report, even with victim statement. All 3 credit bureaus even have police report on file but still allow collection claim for fraudulent XXXX account. While I need to wait 30 days for an investigation. This fraudulent XXXX account keeps getting passed to new debt collectors and I always need dispute and waste my time. After account is removed, Experian doesn't restore my credit score to before collection account was on my report. Leaving me to suffer and rebuild my credit score.
Product: Debt collection

I am getting daily robo calls from XXXX. I informed Carmax XX/XX/2022 to remove me from the call list. I get calls from them around the same time daily. I have attached examples of the calls from this number. 

According to 15 U.S. Code 1692d - Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

The past few weeks have been unbearable due to the constant harassing debt collector calls. Despite explaining my financial situation and requesting a payment plan, the collector continues to call multiple times a day, and threatening legal action. This has caused immense XXXX and XXXX, making it difficult to focus on work and daily activities.
Product: Credit reporting or other personal consumer reports

Have a Hard Inquirie on crdit report from Syncb/Lowes PLCC . This is not me. I moved from my home 2 years ago and the new tennant is fraudulently tyring to open crdit cards in my name. Please remove Hard Credit.
Product: Debt collection

I had XXXX XXXX XXXX through XXXX  XXXX XXXX on XX/XX/20. Apparently a XXXX XXXX PA provided some service during the operation. The bill payment was denied because the physician did not submit the claim in time. The bill was resubmitted to the Va and denied again. The doctor turn the bill over to Thunderbird Collection Specialists. They contacted me by phone several times. They were told each time the bill was to be paid by the VA and to contact them After several calls to write and received a copy of the original bill. I then contacted the XXXX XXXXXXXX XXXX XXXX by phone. The community representative call Thunderbird Collection and explained why the bill was not paid, that I as a Va patient had no financial liability, and they were given the path to have that bill re-examined.

After confirming that was done I recontacted Thunderbird to reaffirm that the VA had indeed contacted them. At that time it was indicated to me that it did not matter what the VA said it was my bill an responsibility as the patient for that claim. 
As a VA patient entering or releasing that hospital I did not sign on agree to any such responsibility. 
I have in the past loss my temper with the repeated calls from the collection agency. 
I would like this issue resolved. I have worked had to increase my credit scores and reduce my debt. It is my hope as a XXXX vet to be able to by a home. Please stop these people.
Product: Debt collection

I have contacted this company at least three times since seeing the debt collection on credit report, XX/XX/2022. The first time I contacted them was on XX/XX/2022. I have tried to dispute this debt via XXXX XXXX, as well. When I contacted the company, I was interest in the amount of debt and getting any information about the debt such as the original contract with my information on it, the creditor information, payment history ( itemized bill ), and the proof of ownership for the account. I am actually in the process of writing a letter to the company instead of doing it verbally as I have been doing it. They are in violation, as it has been more than 30 days since I asked for any of the above information. This violates the Fair Credit Reporting Act.
Product: Student loan

I owe XXXX XXXX XXXXXXXX  a balance of {$2500.00} dollars as of 2021. I have been notified that I am going to lose my job in the near future as a result of a company merger. I have tried to enroll in other schools to become trained in another skill before I lose my job. I called the XXXX XXXX XXXX  to obtain my transcripts and they are withholding them from me. The other schools will not accept unofficial copies of transcripts. I have tried to set up a payment plan with XXXX and ask that they go ahead and release my transcripts and they are refusing to do that as well. I am stuck in a terrible situation. I am getting ready to be unemployed and am unable to further my skills because XXXX will not work with me so I can obtain my transcripts. I do not deny owing the debt and fully intend to repay if I can make payments within my budget. However, they are keeping me from avoiding unemployment by not releasing my transcripts. I do not even want them forwarded to me personally, I just asked that they go to another school and XXXX still will not agree to do so. I tried to complete an official withdraw with XXXX too avoid incurring the debt and was told it was too late to do so. I tried to avoid this situation, my XXXX XXXX XXXX brother was very sick with XXXX at that time and I could not focus on my studies. I had to help my Mother with him at home.
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 XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

I reached out to the reporting agencies online to get a copy of the information from my credit reports and XXXX XXXX report. I was sent a reply from the company stating they could not send me any information. I reached out on two separate occasions and both times I was denied documents. The improper reports are creating identity theft situations well as fraud occurrences that is creating financial incorrect information that is causing incorrect assessments making any payments as a result of the inaccurate report excessively elevated causing financial hardship as a result.
Product: Student loan

On XX/XX/2019 I contacted Navient to enroll in 6 month grace period due to graduating on XX/XX/2019. Navient said I was not eligibile for grace period and did not explain why. I informed Navient that I work part time for a school and I am currently unemployed because of the summer I can not afford my monthly payments they are demanding me to make. They asked about my co signer I told them my grandmother income changed age can not help me with the payment. I asked for a hardship forbearance I was denied. The representative hung up on me.
Product: Credit reporting or other personal consumer reports

I've sent XXXX letters to Experian requesting an investigation of accounts found on my report. 
XX/XX/XXXX and XX/XX/XXXX the letters went sent out via certified mail and Experian responded to both attempts with generic stall emails basically stating that they would not investigate. Attached to this complaint is both letters sent along with XXXX tracking proving the letters were recieved and screenshot of their refusal to investigate. Both letters included my drivers license, social security card and proof of address. I humbly request that the items on my request be investigated and deleted.
Product: Checking or savings account

I deposited a large check from an insurance company for payment ( {$2900.00} ) and Chase held it for 10 days and that cause not only my personal account to be overdrawn but as well as my business account. I want the OD fees in both account refunded back to me, from the date of deposit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.