23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Unfortunately my home mortgage was sold to Flagstar, which is the worse company for it to be sold too. My experience with Flagstar has been horrible to say the least. There commutation with me has only been one email saying welcome to Flagstar in XXXX. Than on the XXXX th day of XX/XX/2023 I get a voice mail saying I need to call Flagstar. So, I call Flagstar and found out that my account has gone to their collections dept. I asked the repressive why my account is in collections when I have not ever missed a payment on my mortgage for over ten years. The rep advised that my auto payments had been cancelled and that I would have to wait 45 days for them to be reinstated auto payments and set them up on line. I asked why where auto payment cancelled her response was because I did not conform my account. I said Flagstar has been taking out the payment on the tenth of every month since XXXX. Why did it change? The rep response was because you did not conform the payments so they dropped off the account. I asked the rep how could Flagstar drop off my auto payments for no reason and not give me any form of notice? The rep advised that Flagstar has sent me emails and letters in the mail. I checked my email and the spam box there was only one email there and that was welcome to Flagstar email in XXXX that was all. I have been receiving the statements but the is no information in the statements about my auto payments dropping off my account or my due date has changed. The rep advised we sent them and she tells me that my due date has also changed to the 1st of every month which was on the 15 of every month with XXXX XXXX again Flagstar changed this with out contacting me in any way. I feel that this type on negligence from Flagstar, and is a malicious attack on my good credit and a way for Flagstar to take my personal property.
Product: Debt collection

Every night I get a call from a company called Statebridge on my cell phone about mortgage debt. My mortgage is with XXXX. I call this company back after they call as indicated and it says they are not open. I call them during the day and it says your wait time is less than one minute and 3 hours later no one has picked up. I leave my phone number to call me in the order my call was received and I get an automated call again at around XXXX each night with no way to reach them. I try to visit their website as they say on their call- but any link you click on the first page says server error and wont open. Now theyve sent a letter telling me theyve started the foreclosure process on my home. Theres a separate mans name and number- and of course no one answers that call either. I cant get in touch with the company and I dont know who they are but Im afraid NOT to respond because my husband left 2 1/2 years ago and Im worried its his debt on my house. What can I do if no one ever picks up the phone? They send me fed ex letters- hang things on my front door- but no one answers ever!
Product: Credit reporting or other personal consumer reports

I believe there was an attempt to steal my identity.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my numerous 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 ( Original Creditor : XXXX XXXX XXXX XXXXXXXX. Please remove this account immediately.
Product: Money transfer, virtual currency, or money service

BANK of America I cash XXXX XXXX XXXX with them XXXX to XXXX times. But the last 3 times it became a problem because I refused to start a bank account with them. My boss Bank with them ..... They refuse to cash my check because my XXXX XXXX XXXX on the back of it wouldn't go threw so they said that they couldn't cash the check. But I told them to put my id # in the computer so that they can see that my id is valid. But I told them that I cash my check here at the same bank more than XXXX XXXX 's before ...... So they Cash it with an attitude ..... But on XX/XX/2022 at XXXX they came at me in a different way.. They said that they can't verify the check .... I told them to call my boss to verify the check ...... They then tells me to step aside so that they can help the next person in line .... I told them no ... .. And told them that I wanted the service that everyone else is receiving ... .. And I told them to call the cops so I can have a written report on the matter... .. Because this situation has happen more than 3 times already. And the check they refuse to cash with my Id the other Teller took my check and I'd and refused to give it back because I refused to remove myself from the tellers window .... I told the tell that she can not hold my check and I'd XXXX ..... So she then walked 2 windows down a slid my I'd and check threw the window .... So I told them that you guys have to honor the and I'm not moving until you do because y'all honor more than XXXX check 's before ..... So the manager finally acknowledge that I'm not going to remove myself from the window and then she finally cash the check... The last 3 times I went to this bank in XXXX XXXX XXXX it took them more than XXXX minutes to cash my check. 
It's totally embarrassing ...... I don't XXXX XXXX but I'm XXXX and I don't deserve to be treated in this matter... Just because I refused to start a bank account with this bank .... Please resolve this matter.
Product: Credit reporting or other personal consumer reports

Unauthorized accounts were added to my credit report without my consent. Block and delete these fraudulent entries.
Product: Credit reporting or other personal consumer reports

To Whom This May Concern XXXX IS Reporting An Acct That Does Not Belong To Me The Information Is Affecting My Credit. I Disputed The Acct On My XXXX XXXX File But It Is Still Showing Dispute center In partnership with XXXX In partnership with XXXX Current dispute File number : XXXX Estimated completion date : XXXX File number : XXXX Estimated completion date : XXXX Sent to XXXX On Invalid Date In review On Invalid Date Completed Need to send XXXX additional information?
Product: Credit reporting

XXXX XXXX XXXX is reporting my mortgage payments as being delinquent on my credit report for during the period we were modifying the loan with the loan originator - Bank XXXX is the servicing agent and they were instructed that during the modification period we were not required to make payments yet they still reported our payments as being not made. I have repeatedly addressed this with them - I have spoken with XXXX Mortgage who owns our mortgage and they instructed us that they informed Bank XXXX not to report any late payments on our credit report since they did not require the customer to pay during the modification period. We had a previous modification that took over 6 to 7 months and that was not a problem with any reporting but for what ever reason this last modification is showing up on our report as non payment during the modification - if that was the case I would have continued to make the payment because previously to the modification, all payments were made on time. Bank XXXX has refused to fix this mistake and now it 's becoming a major issue because we are trying to apply for other funding and its affecting the results due to this mistake.
Product: Vehicle loan or lease

You are continuing updating the date of last activity every single month on these collection accounts. It is clearly obvious that you are prolonging the statute of limitations for the account to make them last longer on my customer report. The date of last activity is XX/XX/year> and Im sure you will change it to the next month im not sure if you have some type of business relationship with the collection agency but Im not happy that you are changing the date every month. This account was charged off XX/XX/year> there should be no activity after XX/XX/year>. You are making this account look newer than what it really is which is false and misleading. Delete this account for my credit report or I will be pursuing litigation for actual damages of artificially damaging my XXXX  score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian. They offer a Boost service. However, this worked the first time. Since then, it has not verified the accounts I have on Boost. I went on Experian ' s site to try to do this. It was not effective. It gives a pop up to " paste '' the bill yet it does not work. There is no way to provide the documentation. I call and no matter which questions I answer, it never takes me to a person even though I am calling during business hours. Because of this error on their part, my credit has DECREASED!!!! This is a rip off. Bate and Switch??? Is there anybody who can regulate Experian? They are messing with my credit. They hold me XXXX by their system that is clearly now harming me. The credit agencies should be shut down because it is designed to help lenders and harm borrowers and Experian does not even have the decency to be available to assist. How is this legal???
Product: Student loan

I received a XXXX through the US Dept. of Education ( Service Provider - Fedloan. ) My first loan disbursement was on XXXX ( divided into two for XXXX semester. ) Fedloan reported to XXXX, XXXX and XXXX that I was late for 90days, from XXXX. I have disputed the late payments once before to no avail simply because I had no documentation. Luckily, the Dept. of Education directed me to " XXXX '' recently, I was able to find the status for repayment for any time period. Upon reviewing, I found documentation that clearly states I was in Forbearance at the time of the alleged late payments. Once I knew what I was looking for, I also came across notifications in my personal email from FEDLOAN, that correspond with the dates the US Dept. of Ed. provided me for repayment. I have recently entered into an income driven repayment plan with FEDLOAN and my payments start XXXX. I am grateful for the arranged monthly payment and I 'm hoping we can continue without any problems, once this is rectified. Unfortunately for me, those 3 late payments could severely affect my future. My fiance and I are buying a home at the end of XXXX and the only thing preventing us from doing so are the late payments reported by FEDLOAN. I NEED them to be removed. I was not late. I have documentation. I am really hoping I speak with someone who does n't just give me the run around. I will report and/or dispute with more entities if I 'm forced to ( i.e. XXXX, Ombudsman Group, etc ) but I know that does n't have to happen depending on who I speak with. All I need is someone who cares somewhat about customers and is willing to listen. Now that I am set up on an IDR plan ( plus I 'm more than willing to set up auto pay as a goodwill gesture ) I 'm hoping I 'll be able to remove the incorrect late payments and get on with life. I know it can be done because I have two friends who have been successful with FEDLOAN. Do n't believe the lie that they MUST keep it on there. If you make a living by working in customer service ( like I do ) then you know something can ALWAYS be done. Please email me at XXXXXXXXXXXX or call me directly at XXXX, if you have any questions or comments whatsoever. Thanks for taking the time to read this. I 'm praying that everything gets resolved and works out in both our interests. I hope you and yours have a great holiday : )
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had experian dispute a foreclose that is on my credit report from XXXX XXXX XXXX in XXXX Mass. XXXX XXXX XXXX certified the information and XXXX  closed the investigation. I have never had a foreclosure in my life. 

I had XXXX dispute a second foreclosure on my credit report from XXXX XXXX XXXX with the same result. 
I have never had any account with XXXX. 
I contacted XXXX and they did research and could not find anything under my name or Social S Number but still they confirmed the information to the credit bureau. This is identify thief!!! But they do n't care. Does anyone?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account 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 XXXX XXXX. I have never been late on payments for the account : XXXX : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again.

DEPT OF EDXXXX XXXX Balance : {$3600.00} ; DEPT OF EDXXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX : {$3700.00} ; DEPT OF ED/XXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX Balance : {$690.00} XXXX DEPT OF ED/XXXX XXXX Balance : {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$3200.00} ; DEPT OF ED/XXXX XXXX Balance : {$2600.00} ; DEPT OF ED/XXXX XXXX Balance XXXX {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : -
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Mortgage

I had a loan with Fifth Third bank beginning XX/XX/XXXX and I bought the home for {$89000.00}. The home was worth more than that so I had instant equity in the home but I still had to pay PMI. I was told that after I pay it down that I could get my PMI taken off and could just call in, but then I was told that I had to write a letter and I did while in the office with a loan officer at the XXXX XXXX location in XXXX, NC. I later got a letter that is need to pay it down to 70 % LTV or I could get it appraised but I stated that it was appraised by XXXX County and when I first moved in. I also faxed another letter when I paid down more but still got the same response. I no longer live there and have and sold the townhome in XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I, XXXX XXXX, discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and other related regulations that have impacted my credit report. Specifically : The credit information about me was accepted without proper verification, violating FCRA Section 616. This willful noncompliance is punishable by civil penalties of up to {$1000.00} per violation. 

I was not informed of my right to opt out of sharing personal information, which is a violation of FCRA Section 603 ( d ) ( 2 ) ( A ). This omission deceived me and violated my rights as a consumer.

Inaccurate inquiries and accounts were reported without proper validation, violating FCRA Section 623 ( a ) ( 3 ). This is deceptive and constitutes a violation of Generally Accepted Accounting Principles ( GAAP ).

Debt collectors engaged in unfair practices, reporting inaccurate debts without my consent, causing unnecessary distress and harassment. This violated the Fair Debt Collection Practices Act ( FDCPA ).

Debt collectors disclosed my personal information to third parties, violating regulations that prohibit such disclosures. This includes violating FCRA Section 609 and other privacy protections. 

" Late payments '' were inaccurately reported without clear definitions or proper documentation, violating the Timely Payments Regulations under FCRA. 

Incorrect finance charges were reported, which violates the responsibility of credit reporting agencies to ensure accurate financial reporting. 

The reporting of information on my credit report occurred without my written consent, violating the FCRA 's permissible purposes for consumer reports.

I am demanding immediate corrections to these issues, including validation of alleged debts and deletion of unauthorized information from my credit report, in compliance with 15 U.S. Code 1692g. If these violations are not addressed, I am prepared to take legal action, as outlined under the FCRA, which could result in civil liability for willful noncompliance.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX  THIS LETTER IS REGARDING THE ACCOUNT LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency :, Weltman, Weinberg, & Reis ( XXXX  XXXX  {$2200.00} ) {$770.00} XXXXXXXX XXXX  ( {$590.00} ) XXXXXXXX XXXX ( {$1900.00} ) XXXX  ( {$240.00} )
Product: Checking or savings account

In XXXX I asked for Regions Bank in XXXX to deduct and pay a bill to my landlord until XXXX. 

I was robbed in XXXX of XXXX of my wallet which had my credit cards and debit cards. 

I notified the police and Regions Bank in XXXX and I submitted a police report except one report was not completed. The bank refunded the charge on my card by the crook. 

I need the statements for court but Regions has not responded to my XXXX  letter sent to the headquarters for instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on auto pay for the full balance on my Nordstrom account as the card was only used sporadically. I then began using the card and switched to the minimum payment for the XX/XX/2019 payment. However, they attempted to take out the full payment against my request. The payment account was linked to a checking account that was no longer my primary account and therefore came back insufficient funds. I went on their website again and changed to the minimum payment and paid a {$200.00} payment. Subsequently, I went on their website and it showed no back due payments. In XX/XX/XXXX, they again tried to take out the full payment against my settings and request. I once again logged into their website changed it to the minimum payment and made another {$200.00} payment. I then had to log in again and make the change to the minimum payment for a third time. It's bad enough that they kept trying to take out the incorrect amount against my stated requests. However, it turns out that they failed to process the {$200.00} payment in XX/XX/XXXX and are reporting me 30 days late. They did not call, mail, or email me on a payment issue and their website showed that I was on time in XX/XX/XXXX. I notified Nordstrom and they are refusing to correct the situation and report the proper information to the credit bureaus.
Product: Debt collection

I have a New Jersey XXXX account. NJ XXXX incorrectly sent a bill to a collections agency " XX/XX/XXXX '' headquartered in Wisconsin. I called XXXX on XX/XX/18 to resolve all issues. XXXX took care of what they could on their end but told me I had to call XXXX and resolve the amount that had incorrectly gone out to collections. 

I called XX/XX/XXXX, and spoke to two employees there. Both told me that even though the original charges were erroneous there was no way for me to dispute the charges on the phone or online. They offered no way to resolve the issue or send it back to their client. 

The hoops XX/XX/XXXX and XX/XX/XXXX are utilizing are predatory and inefficient.