23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Flagstar Bank services our mortgage. Due to various circumstances, including my wife being diagnosed with XXXX during the pandemic, her XXXX classifying her as a high-risk individual, and events involving my job, we were forced to take a mortgage forbearance. 

Flagstar did what it could to ensure we agreed to pay the forbearance amount up front. While we continually insisted that we wanted to place the amount owed at the end of our loan period with an APR of 0 %, applying to that amount as we were legally allowed to do. 

Tactics like offering to refinance our 30-year conventional with a 40-year meant an opportunity for tens of thousands of dollars of extra interest payments over the life of the loan. Flagstar representatives continually called us, demanding we frequently verify that we didnt move out or intend to sell the property. 

Once we could proceed with resuming monthly payments, Flagstar agreed to move the amount of the forbearance to the end of the loan period. We thought we could finally move on without accruing additional interest on that amount. However, things were not that simple. During the forbearance period, Flagstar demanded a payment of {$2800.00}, which we paid out of desperation. 

The transaction history file Ive included indicates the payment of {$2800.00} was applied to the mortgage principal but subsequently reversed, with Flagstar holding {$1600.00} in suspense. Our monthly mortgage payments increased, and its still unclear whether or not Flagstar is still holding {$1600.00} hostage. 

Now XXXX has reduced two of my credit lines as a reaction to Flagstar reporting the mortgage account as being more than 120 days past due. The reported balance is higher than when we initially obtained the mortgage three years ago. 

Upon looking at a breakdown of what is owed on our monthly statement ( the account is paid online where this information is not present ) Flagstar added the amount of the forbearance as a second mortgage, and it appears that they added that amount to the total owed. As of the last reported date of XXXX XXXX XXXX we have no missed payments but have paid off 0 % of our total loan amount. 

At every point, we have seen the ethical shortcomings of the people who pilot Flagstar. even something as simple as removing the PMI on the property due to its appreciation in value was ignored. I need help. My family needs help. Thank you for any you can provide.
Product: Credit card or prepaid card

The JPMCB CARD with account number XXXX appears to be a charge-off account with a specific balance of {$640.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX and XXXX Bureaus. As per FCRA, the 2 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Product: Checking or savings account

So for my comedy business XXXX  XXXX and XXXX XXXX XXXX so its XXXX from XXXX  XXXX and XXXX and I want my money Ive called sent messages and Ive called and its her over a year I want my money already
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One keeps reporting card as a new charge Off every month, making it appear that it just happened and has not, they need to comply with previously filed, and proven identity theft case that was sent in and remove this account as it 's just a ploy to harm consumers who struggle Day to day with life 's misfortune and when companies like them want to blame someone until they 're satisfied they 've further damaged ones reputation to their enjoyment. This is a serious matter that they need to listen for once and do what 's right and stop trying to cause harm to innocent people, everyone 's not bad as most corporations.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX never investigated the Identity Theft as to the accuracy of the account, in less then XXXX hours i was notified that the account was accurate, so that didn't seem reasonable investigation, and the furnisher of the account wasn't forwarded any information i sent the XXXX to accurately determine or with any reasonable effort, determine if the debt belonged to me
Product: Mortgage

Since the Covid-19 Pandemic, I started having financial hardship due to the decrease of my business and since then I started having difficulty to pay my mortgage payments. I requested help from Select Portfolio Servicing and back in XX/XX/XXXX they put me into a 3 months Forbearance program and not pay my mortgage payments. After the 3 months still in the same financial hardship they gave me another 3 months and another 3 months. My delinquency has increase and now they want me to pay them all the past due mortgage payments within 30 days. I have no way of paying them back when I am still struggling with my business. I have requested to put me into a deferral in which since they offer me the Forbearance they have mentioned that they were working on a solution to offer by the end of the Forbearance and the solution is Foreclosing on my home. I have no way to pay this Lender my delinquency in which they made me think that they were going put my delinquency at the end of my loan. I am asking for help with my lender to modified my loan or put my delinquency into a Deferral. I have attempted several ocasions to resolved this matter with my lender and have no resolution. I was informed that as of XX/XX/XXXX that Mortgage Payment Deferral became available to homeowners. Federal Funds Relief or any other type of funds that can be helpful to me as a Homeowner that due to the Covid-19 I was placed into this terrible hardship. Please help me save my home.
Product: Money transfer, virtual currency, or money service

I received a call from XXXX XXXX XXXX on XX/XX/year> at XXXX pm. The caller said that he was on a recorded line from XXXX XXXX XXXX. I thought this call was from XXXX where I registered my trademark a month before this date. I was driving and I thought this was an important call through which the XXXX wanted to cross exmine the facts in my application. The talk went on and the caller said that my case is approved and I am ready to get my trade mark and if I had any duration in mind. I did not know and I asked him what are the duration. the person responded saying it is either one year, 3 years, 5 years or 20 years and he quoted the rates. I continued to think this was from XXXX. 
FInally i said I want to tradermark for three years for which he asked US {$1300.00}. I had to stop my car to give me my card details. The transaction happened. When I arrived home I felt uncomfortable and i called the number back. the number had a auto message saying " If anyone called you for payment through phone, it is a scam. 
I immediately reported this to the Bank of America and disputed the transaction. I check my account and I saw the money had been sent to XXXX and there was an address for the account holder. 
1- Bank of America sent me a letter saying that the investigation found that the merchant gave me services against the payment they got and my claim in invalid. 
This mean that the bank has spoken to the merchant. I find this contradictory becuase of what I discovered through the follow up call I made to the above number. The auto message says that any call for payment through phone is a scam. Secondly I have not received any services against the transaction. Bank of America is following an easy way out of this situation. I have not recieved any services and the account that received my money is there. This should be a case for police to follow and arrest the scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have the 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. 

15 U.S.C. 1681s ( 2 ) : States In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 

15 U.S.C. 1681 section 604 A : States I have the 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.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : States ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$26000.00} from XXXX XXXX XXXX XXXX XXXX on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

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

I have now disputed this Item twice and the bureaus have failed to respond. They have also failed to notate in the summary the account was disputed within 30 day time period this is a violation of 623. I sent letters out XX/XX/XXXX and XX/XX/XXXX. Date of last activity is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. High credit is being reported {$8800.00}, {$0.00}, {$8200.00}. XXXX, XXXX  and Equifax have failed to respond.
Product: Credit card or prepaid card

i had a self inc credit builer account when i was close to payout like 2 weeks they closed my account and put my deposit on hold its been 45days no reponce will not refund my money
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have reached out to transunion all year round about this fraud on my credit. I have a fraud alert attached to my name and they are aware of this. Transunion have information about this all and failed to protect my identity. They told me to send all my personal information through the mail. That includes social, California id etc. Thats like giving someone your whole identity. I asked what is another way that i can send this type of information and they didnt help. My identity is being used nation wide and ther credit bureaus are not helping. I am not protected and brought every protection you can think of. They is one reason my identity have been tooling because they never tried to help and wanted me to send my whole life through mail. This is not okay. I cant open up bank accounts my credit is at a stand steal because of all this. I need help from anything PLEASE. Nobody is listening and this is why! I have police reports. Inquires need to be removed as well as anything else that was no by me. I need ALL credit bureaus to fix this problem.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate and inconsistent reporting of the following XXXX XXXX XXXX accounts on my credit report : * Account # XXXX : Reported as " Derogatory '' with inconsistent last payment dates and status updates across different credit bureaus. 
* Account # XXXX : Displays similar reporting discrepancies, and my previous consumer dispute remains unresolved. 

I believe that XXXX 's reporting and collection practices may violate several federal statutes, including 15 U.S. Code 1681i, 1681s-2, 1692g, and 1681n.

I respectfully request that you : 1. Conduct a full investigation into the inconsistent reporting of these accounts. 

2. Require XXXX to validate the debts with proper documentation, including original agreements and payment histories. 

3. Remove the accounts from my credit report if XXXX can not provide accurate and verifiable records.

4. Ensure XXXX complies with all relevant federal laws regarding fair credit reporting and debt collection. 

I kindly request a written response detailing your findings and any actions taken to resolve these discrepancies. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have been calling Capital One for over a year to get assistance with this credit cards APR it's astronomically high they are literally charging over {$2000.00} a month just in finance charges! I was a XXXX XXXX that was impacted by COVID-19 the business is now dissolved and I am not even able to make my mortgage payment. This is unfair practices to not even offer assistance I have spoken to supervisors and everyone and NO ONE will help.
Product: Debt collection

In XXXX, our family " bundled '' our XXXX wireless and internet accounts. In XXXX 2016, XXXX internet send us notice our service was canceled due to an unpaid amount. This amount included the XXXX wireless service, which had been paid in store. XXXX internet sent us notice we still owed over {$500.00} for the internet, even while our bill never was more than {$50.00} monthly ( we were also not 30 days late ) for the service. XXXX internet then sent us notice of their collection for the entire amount, even though they admit they could not verify their claim. 
XXXX internets improper, ilegal collection activity has complicated and limited our ability to obtain a home mortage.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  Account # XXXX
Product: Checking or savings account

My wallet was stolen and they used my card to withdraw money from atm and I live 12 hours away and capital one is saying that I made those yet XXXX XXXX XXXXXXXX and have no reason to drive 12 hours to blow my school saving at atms they debited the claim blaming me but as a customer I believe they should accept and out in the effort to make customers happy I lost all my school money and capital one will not do anything about it
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  : account XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states i have the 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

They never sent me a letter to see if I could dispute!!!! They Also never gave me the results of the test!!! They supposedly gave me several test. I never got the test results!!! I NEVER GOT A LETTER ABOUT DISPUTING THE DEBT!!! ALSO THESE PEOPLE JUST PICKED UP THE BILL WITH OUT MY CONSENT!!!!! I NEVER aske THEM TO PICK UP MY BILL!
Product: Vehicle loan or lease

I was told my lender would defer one payment after I make my next payment, but they refused to do so and I made the payment they requested. Consequently, they are reporting my payments thirty days late.

Secondly, they are charging me fees that I think are illegal in California and I owe the company more now than at the time of purchase after about two years of payments.
Product: Vehicle loan or lease

I purchased a XXXX XXXX from XXXX it was a XXXX and I purchased it in XXXX. I was told that my payments would be XXXX per month for 72 months. I fell into hardship after my husband died and I continued to pay the truck ate however the balance was not going down. I was able to get a copy of the contract and it was not what I thought I agreed to. I put a deposit of {$10000.00} down for the truck and they intern gave me a 100 month term on the truck without my knowledge. The truck was repossessed in XXXX and the balance left on the truck was supposed to be covered. I am asking that this be removed from my credit report According to FCRA XXXX ( XXXX U.S.C. XXXX ), I request an immediate investigation into this matter.
Product: Debt collection

I am formally notifying you that if the appropriate steps to rectify this situation are not completed within 10 days, I will file a complaint with the FTC. You are required by law to respond to me within 15 days. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. Non-compliance can result in fines of up to {$1000.00}. 
Please provide the detailed procedures taken when obtaining the investigation results for XXXX XXXX XXXX within 10 days to avoid further action.
Product: Vehicle loan or lease

My wife and I currently have an auto loan with Santander USA on a used car opened in XX/XX/XXXX. We were given an extremely high interest rate for this loan. Santander has been sued by my state of North Carolina along with 33 other states. Santander settled the lawsuit with the State Of North Carolina and all other states on XX/XX/XXXX. To this date, Santander has not cooperated with the terms of the settlement and continues to contact concerning past due balances which were caused due to the high interest loan given for which they were sued by 33 State Attorney Generals. Santander is not adhering to the terms they agreed to in the settlement. They have provided no relief at all.
Product: Credit reporting or other personal consumer reports

I've been trying to repair misinformation reported on my Transunion credit report. I have written letters, and tried to access my account online. 

Wrote letter in XX/XX/XXXX, tried accessing my Transunion account online multiple times. Took off work Friday XXXX, XXXX just to take the time to call and speak to Transunion about getting access to my account online. 

Spent hours online trying to access my account without success to only receive error messages to call Transunion. Called Transunion. Had to verify my personal information multiple times again over the phone, held on hold for a long period of time, when I did speak to a person, they took me through the same steps trying to access my account online to only receive the same error message that I needed to call Transunion. Only to be told I had to speak o their IT dept which can only be initiated through an email that takes 24-72 hours to receive. 

There is personal information being reported on my credit history which has lead to a low credit score preventing me to receive credit. I'm not even able to file a dispute. I had to file a dispute over the phone which I have no way to verify what was written. There is personal past addresses and work addresses reported which has lead to receiving daily spam calls from person ( XXXX ) asking if I want to sell my property. These are past employment work and temporary rental addresses when traveling for work purposes from XXXX years ago, that could only be leaked through my credit report. 

The letter I wrote in XX/XX/XXXX requested all personal information be removed from my report except my current address which I provided with copy of my drivers license and electric utility bill. The letter I received back from Transunions said I had to provide a copy of my social security card in order to proceed with my request. I'm not comfortable sending my social security card in the USmail due to the potential of fraud security purposes, as it is easy for anyone to obtain a paper letter lost in the mail.