23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

NewRez mortgage offered me only one type of forbearance. They offered to put my loan in forbearance for three months but after the 90 days I would have to mail them a payment for all three months.

Im not sure what kind of forbearance or help this offers. If I do not have the money for three months how will I be able to pay three mortgage payments all due in 90 days.

So if my mortgage is {$1500.00} a month at the end of 90 days they want me to mail in a check for {$4500.00}. 
This is crazy Not sure why they are only offering this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made repeated attempts over the last 6 months with XXXX XXXX, Equifax, and XXXX to REMOVE whatever credit BLOCK, LOCK, OR FREEZE from my credit file. 
They have yet to do so. Today ( XX/XX/2022 ), I was denied the opportunity to open a SAVINGS account with XXXX XXXX XXXX XXXX because the bank manager stated there is still a BLOCK on my credit. 

I will be purchasing a car within the next few weeks and I DO NOT need this to affect my purchase. 

I DO NOT nor DID NOT authorize any credit bureau to place a credit BLOCK, LOCK, OR FREEZE on my credit file and I want it removed PERMANENTLY!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602 A. State 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

My loan payments for part of XXXX and all of XXXX were {$700.00} based on income information that I provided to my lender by linking directly to the IRS portal. Now the lender claims they processed that information incorrectly because I was listed as single in their system ( even though I listed myself as married in XXXX when I filed my taxes and when I filed paperwork to renew my loan ). I provided my spouse 's income as well, to further indicate my marital and filing status. Contradictory to their claim, they are also saying they both my spouse 's and my incomes into consideration to determine the loan amount for XXXX and most of XXXX. Now they are stating they are are working to process my application correctly now and are increasing my loan payment to {$1300.00}, even with my family size of XXXX. My only other option is to switch repayment programs which causes the accrued interest of over $ 38k on my plan to capitalize the interest.
XXXX from Great Lakes Employee ID XXXX spoke with me and refused to consider my husband 's new income even though I told him it had substantially reduced from XXXX. They keep insisting according to new laws and regulations, my supposed payment to them is {$1300.00} according to their calculations. This is putting an undue financial hardship on me and my now growing family ( I am XXXX XXXX  XXXX currently ).
Please help mediate with them so I am not paying dearly for their costly error. Their representative admitted on the phone that their system processed my payment incorrectly.
Product: Mortgage

My loan servicing company XXXX XXXX ( Stearns Lending ) is constantly increasing my monthly mortgage payments every few months. The reason for the increase is due to underpayment of escrow. I just do n't understand how my escrow account is short every few months and without explanation I am required to pay this amount. Soon thereafter, the payment decreases for a few months, then it increase again. This is ridiculous. Most people leave on a monthly budget and this makes it unfair to continue to fluctuate payments so frequently.
Product: Credit card or prepaid card

I found {$13000.00} of fraudulent charges on my credit card account. I contacted Bank of America and a new credit card was issued, but the fraudulent charges are still on my credit card account. I also contacted the merchants involved, and they provided me the information for the perpetrator, XXXX XXXX. The perpetrator obtained the information of my credit card and made purchases without my permission. I do not know or have any relationship with the perpetrator. 

The merchants sent me email communications used by the perpetrator, XXXX XXXX, and shipping agent, XXXX XXXX, to commit the fraud. The perpetrator details attained from the merchants were provided to Bank of America. Given that the perpetrator 's shipping address is in XXXX, a foreign county, I urgently need your help to stop the perpetrator 's scams and fraud. Your help on the matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX that protect me. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX reporting incorrect information on my credit report. My XXXX XXXX never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2013 I declared Chapter XXXX Bankruptcy. I was up to date on all payments until I submitted the Bankruptcy. 8 of the companies note derogatory reports that my payments were late. My attorney advised me to have this amended as the derogatory remarks of late payments were in error. I went to each credit bureau, Equifax, XXXX  and XXXX. Disputed all 8 accounts, however the summaries that the credit bureaus reflect still show the 8 account late payments. I contacted them and advise that is correct even though the actual creditors amended there records.
Product: Debt collection

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!
Product: Credit reporting or other personal consumer reports

Yes I will try to be as specific as I can I on a couple occasion try to send the information that I attach to this complaint to the credit bureaus XXXX TransUnion and XXXX that I paid set an account with the collection agency and I waited for them on a couple of occasions too we move it or change the inaccurate information on my account and the information is damaging to my personal finance and I would like to have it removed and also as you can see I have records showing that I paid the question agency this amount and is still showing in the documents that I attached that derogatory but it's not I settled this account with the clutching agency I just want it removed
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$850.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 


the following inquiries : XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX )
Product: Mortgage

It has come to my attention that an equity line of credit that was paid off in XXXX is on the title of my home.. I have tried since XX/XX/XXXX to get this handled. I have been sent the wrong release of lien 5 times. Just this month I have sent the request 3 times ( XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ) I have a case number XXXX reference number XXXX and case number XXXX. I have made multiple phone calls. Each time I'm told it will be handled in 3 to 5 days. I have not heard back from anyone on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DSNB MACYS, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DSNB MACYS,  XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Money transfer, virtual currency, or money service

It was numerous numbers of times that I lost out on money dealing with Cash app when I try to contact their database, they did not reimburse me or let me speak with a real person in order for me to explain my options so I just lost out I am a XXXX person on a fixed income, and I cant afford to lose out on any more money
Product: Consumer Loan

Was going through financial hardships and fell behin d on 2 payments to Conns. I received a letter in the mail stating that I could pay a certain amount and make my account current ( an extension ). I called and spoke to a representative that told me that if I paid the required amount that my account would be current and the late payments would be removed. The   late payments were never removed from all  XXXX  credit bureaus and I called again to speak to a representative. This time around I was told to fax a letter stating what took place and to request that the late payment remarks be removed. I have n't heard anything back and the late payments still remain on my credit. I am working to improved my credit and these late remarks are hurting my credit scores.
Product: Debt collection

I received a call from regional acceptance on XX/XX/2021 around XXXX. The rep didn't not verify my identity, make and model of auto, she didn't let me know that the call was being recorded.I asked her to cease and desist from calling me 3 times because she refuse to argue with me and tell me how bad my pay history. She continued to talk over me and when I told her that is what she was doing she told me I am not talking over you we are just talking at the same time with no remorse. All so the call disclosure was not given she violated the FDCPA in so many ways.
Product: Debt collection

On XX/XX/2022, I moved out of XXXX XXXX XXXX in XXXX, Florida. I lived at XXXX XXXX XXXX, formerly XXXX XXXX XXXX and XXXX XXXX XXXX, for five years and was never once late in paying my rent. Upon termination of my lease on XX/XX/2022, I was informed that I owed {$110.00} in utilities for the month of XXXX and immediately paid that amount by check # XXXX, from my checking account at XXXXXXXX XXXX, and mailed it to XXXX XXXX XXXX On XX/XX/2022, I received a letter from IQ Data International , Inc. indicating that the amount was turned over to a collection agency. I immediately called XXXX XXXX XXXX  and spoke to XXXX XXXX XXXX XXXX who indicated that she had received the check, the check was in her hand, but that she turned the amount over to a collection agency anyway, just for fun. This should be a crime. Now, I am dealing with constant telephone calls from a collection agency, for an amount that was paid immediately upon notification. I am not sure I blame the collection agency so much as I do XXXX XXXX XXXX The staff at XXXX XXXX XXXX has gone downhill since it was replaced by XXXX XXXX. They do not care about their tenants at all.
Product: Credit reporting or other personal consumer reports

According to the FRCA, the credit accounts below have violated my federally protected rights of privacy and confidentiality under codes 15 USC 1681s-2 ( a ) ( 1 ) - ( c ) and 15 USC 1681 s602A.I, the consumer, feel as through Equidax did not protect my rights It has been brought to my attention, through Equifax Credit System , that my personal information has been exposed in a National Data Breach that occurred in XXXX of XXXXAfter carefully reviewing my credit report, I have noticed several unfamiliar accounts. 
XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX ) *XXXX XXXX XXXX ( XXXX XXXX XXXX ) *XXXX XXXX XXXXXXXX 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: Debt collection

{$1100.00} opened XX/XX/2015 I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). 

If you can not perform this type of investigation or locate all of the records to investigate this dispute, please update the credit bureaus to remove the information. 

Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. Then I may conduct my own investigation.
Product: Credit card or prepaid card

I've reached out to Fortiva on numerous occasions, including by email, phone, and direct messaging/chatting from their webpage in regards to the account protection services that I've been paying for monthly for many years. This service is supposed to provide payment coverage during loss of employment. 

The company has refused to apply the service I've been paying for that they are still charging me for and has continued to try to draft money from bank account causing several overdraft fees. They also incorrectly reported late payments to the credit bureau because I was unable to verify the incorrect social security they put on my file. 

They are continuously calling my phone and will not allow me to utilize the services I've been paying for, charging me an outrageous amount of interest and late fees.
Product: Debt collection

I have received multiple unknown phone calls from numbers throughout XX/XX/XXXX, all under the same name Credence. Despite blocking them, I googled their numbers and was made aware they are under Credence Resource Management and had many multiple negative reviews. Believing it was a scam I ignored this. Today however, I was made informed my credit score dropped slightly under the name CREDENCE RESOURCE MANAGE for what Im assuming is a {$150.00} XXXX XXXX XXXX bill collection. ( unknown to me as I left their services months ago ) opened XX/XX/2023. I am willing to negotiate and/or pay for delete but would like confirmation, first.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX ) XXXX XXXX XXXX Directory XXXX XXXX XXXX XXXX IL XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX / # XXXX Directory XXXX XXXX XXXX XXXX XXXX Tx 3 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX dir # XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Fl XXXX ) XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX ) XXXX XXXX  XXXX ... Dir # XXXX XXXX MI XXXX ) XXXX XXXX XXXX XXXX ... dir # XXXX XXXX NC XXXX ) XXXX XXXX XXXX XXXX dir # XXXX XXXX NC XXXX ) XXXX XXXX. XXXX dir # 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 an account without my written instructions of the consumer to whom it relates.
Product: Credit reporting

I submitted a fraud dispute on XXXX/XXXX/2016. XXXX actually deleted the account from my credit report but Transunion failed to conduct a proper investigation and the account still remains on my credit report. It only took Transunion two days to complete my dispute request and states changes were made to my report but the account is still there without any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX EQUIFAX : XXXX XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WY XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was made aware that my social security number was associated with a mortgage loan through BSI Financial Services that I did not open. I was rejected for a credit line increase with XXXX due to a low credit score and upon investigation with XXXX, I saw that my credit score was negatively impacted by missed payments for a mortgage loan taken out under a name and address that I do not know but with my social security number. 

Details of the loan : Date Opened : XX/XX/XXXX Type : Mortgage Amount : {$29000.00} Responsibility : XXXX XXXX XXXX, Co-signer : XXXX XXXX Terms 30 years Recent balance : {$16000.00} as of XX/XX/XXXX Address associated with loan : XXXX XXXX XXXX XXXX, XXXX  XXXX Upon further investigation into this matter, the XXXX individuals named on this mortgage are deceased. I have found their obituaries online that match the address and names on this mortgage. 

I have filed an identity theft report with the FTC on XX/XX/XXXX : FTC reference number - XXXX I have filed a dispute with XXXX : Case number XXXX ( attached is the response ) I have contacted BSI Financial Services several times with no responses or corrective actions. 

Here is a timeline of the correspondence. 
XX/XX/XXXX - Called BSI customer Service and was repeatedly hung up on. 
XX/XX/XXXX - Email sent requesting that the account be closed ( email attached ) XXXX Dispute results from XXXX received via mail. 
XX/XX/XXXX - Called BSI with the findings of the XXXX report. Customer Service agent took all my information and sent an email to the superior in charge who had the authorization to correct the social security number. Someone would follow up with me with the next steps. 
XX/XX/XXXX - Called BSI to follow up on XX/XX/XXXX discussion. No confirmation or follow-up. received. Agent forwarded my call to " XXXX XXXX '' to whom the email was sent to. Left voicemail. No feedback. Agent could not provide any details regarding the account number because my name was not on the account. 
XX/XX/XXXX - Called CFPB and was instructed to file a complaint on line. 
XX/XX/XXXX - A police report with my local precinct has been filed ( attached )
Product: Credit reporting or other personal consumer reports

I explained to the company that the XXXXXXXX XXXX XXXX XXXX is not accurate. That I did not knowingly agree to this account being opened in my name. It was opened XX/XX/year> for {$4000.00}. They have yet to remove the account.
Product: Checking or savings account

I got notification that my Sofi checking account was placed in restricted mode and to call customer service for more information. When I called the bank they told me there was no information they could give me, no reason for the restriction, and my money in my account was not accessible to me. When asked how long it would be this way, they said they could not provide any information. That is just plain horrible and malicious behavior for a bank to hold someones funds who barely lives paycheck to paycheck. The funds in my account may not be much to them but to me every penny matters when you are trying to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Wells Fargo concerning an inquiry made last XX/XX/2017 which shows up on my recent credit report with XXXX  as WF CRD SVC. I can not recall any activity around that time period that would account for this inquiry. I have no accounts with Wells Fargo and have not been shopping for a mortgage. I asked them to remove the inquiry which the representative attempted to see if that was possible and was told that Wells Fargo doesn't just remove inquiries because someone asked them to. I believe the inquiry is not by me.
Product: Checking or savings account

XX/XX/2022 a charge from XXXX XXXX in another country was posted on my account for XXXX. When trying to dispute charges the merchant stated I have to take the problem up with my bank.