23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did a consumer credit transaction with XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX. My account was placed in collections and subsequently charged off, although I do not have the exact date of the charge-off. Despite this, I did not receive a Form 1099-C for my tax records. On XX/XX/XXXX, my account was transferred to collections, and on XX/XX/XXXX, I discovered that my account was updated by Debt Co Collections for an amount of {$340.00}. I am uncertain how this debt collector obtained my information, but I suspect it was purchased following the charge-off. This situation has caused a breach of contract in my consumer credit report and has resulted in various damages and injuries, including : XXXX. XXXX  - Due to being denied shelter while searching for accommodation. 
XXXX. XXXX XXXX- Damage to my reputation and resulting XXXX XXXX. 
XXXX. Personal Injury - Harassment from debt collectors has caused significant personal injury aswell deceptive practices that violate the FDCPA.

I request an immediate investigation into this matter to resolve these issues. Specifically, I ask that you : 1. Provide documentation and evidence of the original transaction and subsequent charge-off.

2. Clarify the lack of a Form 1099-C.

3. Investigate how Debt Co Collections obtained my personal information.

4. Rectify any inaccuracies or breaches in my consumer credit report.
Product: Mortgage

My wife and I have owned our two unit home for 20 years. We refinanced our loan in 2005 and now it is held by Wells Fargo. Our problem is with Wells Fargo. They are sending out paperwork that is false that states they have tried to work with us and help save our house but that is not true. We have tried to fix our problem with them but they have never given us the time of day, have never looked at our situation, and are pushing us into foreclosure. 

We have had no problems making the payments on our mortgage for 11 years. This property is home to myself and my wife, as well as my son and his family which includes XXXX children. My wife and I are retired and on fixed income, and my son is responsible to make the mortgage payment each month. Last year my wife and I took a trip to XXXX and ended up staying for a few months longer than planned to have some medical treatments. While we were gone, our son missed several mortgage payments. We did not know about this until we returned. Once we found out we began trying to see how we could fix this. Wells Fargo would not let us make a single mortgage payment, they told us we had to pay the full late amount. So we tried to see if they would consider us for a loan modification. But we have made no progress with Wells Fargo. They will not assign someone to our case, they will not talk about options or open any kind of review for programs that would help us. They also sent out a letter signed by XXXX XXXX who says she is the VP of Loan Documentation where they claim they tried to contact us to discuss things we could do to save our home but could not do so because they could not reach us. This is false. They did not TRY to reach us. Instead of working with us to fix the problem they are marching us to foreclosure. 

We have paid on our loan for 11 years with 7 % interest and Wells Fargo has collected lots of money from our family. Why will this bank refuse to work with us and consider us for any of the modification programs? This is home to XXXX people, we want to save our house.
Product: Debt collection

This is regarding a debt with Midland Credit Management. It stated in a letter the original creditor was XXXX XXXX. I sent a letter to Midland Credit Management last year via USPS mail asking for validation of the debt. As of today, I have not received any legitimate validation. I have know knowledge of this debt and disputing this debt. I understand its a pandemic, and things are a little slower, but its been almost a year since I asked for this information.
Product: Student loan

It was in XX/XX/XXXX when the incident happened, I ask the XXXX company for information on a loan they receive from XXXX XXXX. I withdraw from the school back in XX/XX/XXXX. I never received any payment from the school on my financial aid. So I withdraw from the school in XX/XX/XXXX. Well in XXXX I start get harassment from XXXX about the loan. I ask on different times to send me the original loan details that I sign and nothing. The paperwork they got now is not what I sign. I sign for a school closed, cause I original with to XXXX XXXX XXXX XXXX XXXX  later took control over the company. They was steal people payment and stick them with the bills for the money they receive from the government. I never received any form of payment from that school. I know the date of birth on the loan is wrong.
Product: Mortgage

On XX/XX/XXXX, I mailed my mortgage payment to JG Wentworth in XXXX, NJ as I have done the last 4 years without any problems. Since I am less than 200 miles from XXXX, NJ, it only takes a couple of days for them to receive it. Last month, it took 21 days for them to post my payment. Although they waived the late fee, I still paid an additional 21 days worth of interest because they didn't post my payment timely. To stop any adverse action from happening, on XX/XX/XXXX, I mailed another payment. As of today, XX/XX/XXXX, that payment hasn't been posted. I repeatedly called them and checked online for the prior payment. They claim they couldn't find out. They were supposed to be doing a desk check for my payment. It wasn't until I called them on XX/XX/XXXX and threatened to call the United States Postal Service Investigating Unit and the Maryland State Attorney General 's Office on them that they miraculously find my payment. I know JG Wentworth is in bankruptcy ; however, I find their behavior to be unscrupulous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Barclays Bank Deleware on XXXX & XXXX reinserted them back. They deleted them and now they re-inserted them. They never notified me or called me or mailed me under the law of FCRA. To whom it may concern : On date XX/XX/XXXX to XXXX, XXXX, I discovered negative accounts XXXX XXXX and Barclays Bank Delaware on both XXXX and XXXX that are deleted and had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I pulled my three main credit bureau reports. I noticed a collection for a BCA Financial Services , INC . I have never heard of them before. I sent them a letter on XX/XX/XXXX requesting information regarding this debt and proof that it was mine. They sent me a copy of a bill for XXXX XXXX from XXXX. Just had my name, my old address, and an address that I have never seen or lived at before. I did not vacation with XXXX in XXXX so I knew right away this was not my bill. I sent another letter ( XX/XX/XXXX ) asking for more detailed information. I asked for a signed contract, a photo of my ID that I may have given, or even more detailed information. Again, they responded with the same bill. 

Upon my research, there are MANY, MANY people with my name around the USA. So, giving it another shot, I wrote them a third time ( XXXX XXXX ) giving them one more chance to provide actual proof this debt belonged to me. As of XX/XX/XXXX, I have not received a response from BCA of any kind. 

Each time, I asked they remove this erroneous account from my credit. This does not belong to me and it is affecting my credit rating which I have worked so hard to improve and maintain. If they can not provide more proof than a general bill, then this case should be closed. They are violating the FCRA for reporting incorrect information, and now for not responding within 30 days. 

I simply ask this to be removed from all bureaus immediately so we can lay this to rest. I don't want to seek further action. BCA has not done their due diligence in regards to this matter. They have not responded properly to my requests. They have not provided valid proof of this debt belonging to me. Since they have failed to do all of these things, they are required to remove this from my Credit reports.
Product: Credit card or prepaid card

I tried to dispute charges on my BANK OF AMERICA CARDS with the following companies XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. I paid these companies a combined total of {$27000.00} on my Bank of America Cards. 

I paid these ( 3 ) companies a combined amount of over {$63000.00} for services that were never provided as was described to me, that is the reason for this dispute! 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to make a successful online business. In that period, I was taken advantage of and defrauded for thousands of dollars by these companies who falsely led me to believe that I would achieve substantial earnings by signing up with them. 

They were to Create a custom website, Market and add over 20,000 products to my website creating exposure and guaranteed traffic flow. In total I have paid them thousands of dollars for nothing except leave me with a worthless non- functional site. Instead I have been left with severe debt because of their false promises. 

It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, I, XXXX XXXX XXXX, sent Lexis Nexis a Cease and Desist. They responded by asking for more information about me. As though the information sent wasn't enough. If they have enough information about me to tarnish my reputation and adversely taint my credit worthiness, then there wasn't a need for me to send more information. Lexis Nexis continues to violate my constitutional rights to privacy but also my consumer rights to privacy. The Bankruptcy court DOES NOT report nor communicate with ANY credit reporting agency. Therefore, Lexis Nexis is taking this responsibility without my consent or the decision from a court. Lexis Nexis was not a party within the reported case, therefore everything they are reporting is HEARSAY! They are not a witness to anything they are reporting.
Product: Mortgage

I applied for PMI ( private mortgage insurance ) removal through my loan servicer Midwestern loan at the beginning of XX/XX/2022. On the XXXX of XXXX I was informed that my loan was being transferred to Inspire Home Loans Inc . I contacted Midwestern Home loans to expedite my PMI removal request and got it granted on XX/XX/XXXX by Midwestern loans. My loan was transferred and Inspire now tells me that I still must pay PMI until they approve that it has been removed. I have a email from Midwestern saying that the PMI should be removed from XXXX XXXX. I have a email from Inspire that they approve PMI to be removed as well. 

Currently, my payment still reflects that I must pay PMI. Inspire is doing a " investigation by the PMI team '' and is telling me that I must pay my mortgage with PMI until the PMI team is finished it's study on XX/XX/XXXX. If I do not pay my mortgage with PMI by the XXXX, I have been threatened ( over the phone ) to have this reflected on my credit. I have no promise I will get my PMI for XXXX or XXXX back, I am just stuck paying an extra {$220.00} for two months as they drag this out even though I have already been approved twice. 

Here I am, like a sucker paying PMI to avoid them coming after my credit score. Avoid Inspire, they will threaten you when tell them they are charging the wrong amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX XXXX erroneously closed my credit card account last year then reinstated it since they made the mistake. This active credit card still shows the account was opened in XXXX, but the XX/XX/XXXXXXXX XXXX Visa, ending in XXXX, is nowhere in my credit report. Since it is the oldest account I have, I need it to show in my credit report, but it doesn't show up anywhere. I spoke with XX/XX/XXXXXXXX XXXX last year, but they said they don't have to report it. Please assist me. I am trying to refinance my mortgage, so the " oldest '' account currently shows as my current mortgage I opened in XXXX. I need my credit to show I have had a credit card in perfect standing since XXXX. Thanks so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of Identity Theft twice in the past two years. I am an XXXX XXXX XXXX XXXX, semi-retired, currently living ( temporarily ) in XXXX, but with close ties and citizenship in the United States. 

My credit record has always been flawless and I have never missed a payment on anything! However, my FICO score today is only XXXX. It had always been very high before this sudden string of identity theft incidents, all occurring within the United States.. 

I reported the problem to Experian, and after two months of continuous communication, they sent me very positive results. However, they left the addresses and some traces of the fraudulent actions in my record. It also appears that they have not reported this problem to other agencies, as I believe they are supposed to do. Perhaps that is the reason why my FICO score remains so low today. 

I appreciate any help you may offer. Thank you in advance. 

Sincerely, XXXX XXXX
Product: Mortgage

I'm with Midland mortgage as my service provider. I've been in the FHA forbearance protection by the government up until XX/XX/2021. They even sent me a letter stating that XX/XX/2021. The month of XXXX came and I started receiving numerous phones calls from Midland Mortgage. They even left a voicemail requesting I call them back. Their billing department answered and said they was removing from my forbearance plan early and place me in review. I said don't do that because I'm not ready. They still done it anyway. I called several times trying to get on my forbearance plan as stated until XX/XX/2021 and they said I was. Then later said I wasn't and couldn't place me back on because I should have expired already. Its not true
Product: Mortgage

I have requested a mortgage modification with my mortgage company XXXX XXXX. 
My hardship is my son was shot though and criminal act in the city of XXXX Tennessee XX/XX/XXXX and he still is under doctor care. My adult son does not have insurance and I'm responsible for his recovery. 
I provided PenneyMac the {$58000.00} hospital bill stating the bill was self pay and it reflects my son was XXXX. The mortgage company is refusing to accept this documentation because my adult son 's address if different from mine. My son name is XXXX XXXX XXXX and he is currently living with me until he is able to take care of himself. My relationship manager is XXXX XXXX has refused to return my call or speak with me regarding the status of my modification request when I call, as of XX/XX/XXXX. I was informed by customer service she has closed my file. 
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Product: Vehicle loan or lease

On XXXX XXXX I have received a response from capital one bank in regards to my vehicle loan. Pursuant to the contractual agreement this company has already received the amount financed on my behalf and this is false and misleading deceptive behavior stating I am at default and will repossess. I have never been given the right to rescind nor was I informed that I do not have the right to rescind. This company has failed to disclose that the finance charge is the sum of all charges and the down payment is included in the finance charge ; 15 USC 1605. There is no cash comparable in a consumer credit transaction. 12 CFR 1026.4 also states The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. This is a direct violation of contract which makes it void and null where no further payments are to be made on a voided contract. I have put down {$8000.00} according to 15 USC 1662 ( 1 ) advertisement of down payment and installment that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor USUALLY and customarily arranges credit payments or installments for that period and in that amount. This company has continue to enforce a billing error on the consumer 12 CFR 1026.13 ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). I am the consumer who am the only blood and flesh living being can validate a debt this is not an OBLIGATION of the consumer to continue to pay and and I am requesting on the disputed account that all payments are returned to the consumer.
Product: Credit card or prepaid card

I am having trouble with Citibank. Due to the COVID-19 outbreak, XXXX XXXX, which I have owned for 40 years, has declined. I began contacting Citibank at the beginning of XXXX because I knew I would be unable to pay my credit card payment which was due on XX/XX/2020 in the amount of {$160.00}. I called no less than 10 times trying to reach a solution with Citibank, but they have been unresponsive and I was constantly advised to " call back, we're working on it, no email from upper management, etc. '' I was concerned about late fees, being reported to the credit bureau and also my interest rate being increased. I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, account specialists, the collection department, the client focus team, all to no avail. I received another bill yesterday which included a late fee of {$29.00}, my interest was raised from 12.99 % to 29.990 % due to my " credit performance, '' and I was told that I would be reported to the credit bureau. Please be advised that I am XXXX years old, have an EXCELLENT credit rating, and have not made a late payment in YEARS. This action is unconscionable during a time when many people are losing their jobs. I am a senior citizen and have been quarantined for more than three weeks since I am in the XXXX XXXX area. I eventually made the payment but had to borrow money from my son in order to do so. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a late payment for the month of XX/XX/2022 from sensible auto my finance company. This late payment dropped my credit score almost XXXX points, so i checked and i never went 30 days without making a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX sent a request to suppress an unauthorized inquiry on my credit report to Experian on XXXX XXXX 2020. That inquiry as of the wrong of this complaint has not been suppressed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$610.00} XX/XX/XXXX
Product: Checking or savings account

SunTrust is the worst bank i have ever known..im a single mom and on short term XXXX. They closed my checking account after 2 weeks and i had set my direct deposit up. After being out of work for 2 months and waiting and needing my check on XX/XX/XXXX they froze my account and causing me not to have access to my money. Said they will send me a check in 20 days. I have cried to them explaining that money was my only income to pay my bills and buy food for my family on the XXXX. They refuse to release my freeze to get my money. This will cost me everything and put me and my family on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX : XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an accounts on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the following accounts would be promptly updated. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. 

Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself.