23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were offered XX/XX/2016 a recast offer from ditech with instructions to sign form if interested and pay the reduced payment of XXXX for XX/XX/XXXX ... XX/XX/XXXX and XX/XX/2016..after researching if to our benefit we signed and sent in payment was instructed. By XX/XX/XXXX we received phone calls looking for our payment..we explained and after searching were told the funds were in a different account waiting approval of recast..This went on each month including literally dozens of phone calls sometimes two and three daily and numerous correspondence. in the mail..Letters telling us we could no longer afford our home and steps we could take to avoid foreclosure ... Each representative we spoke some for hours trying to straighten out the confusion told us a different story and that the problem would be rectified ..only to have a repeat performance within days. 
We are XXXX and XXXX years old respectively and neither of us in the best of health..We rely solely on our SS payments which we receive the fourth Wednesday of each Month. our Bills are payed immediately upon receipt of funds in our bank account..our mortgage payments are always made ahead of time yet since the recast debacle they keep telling us our payments are late and charging {$26.00} late fees each month ... which naturally facilitates more phone calls..one which occurred minutes before sitting down to write this missive. The rep. proceeded to tell me there were no late fees ..but my payment was XXXX dollars short but could n't tell me what the shortage was for..yet the new statement received days ago clearly shows late fees listed. 
At this point our nerves are completely shot and we are at our wits end. 
We inherited Ditech this past year from our former mortgage holder of a year that was greentree.finace another inherited mortgage company..Please any help you can offer would be greatly appreciated.. sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

To Whom it May Concern, If you sold the debt to XXXX XXXX XXXX then therfore you should not be reporting on my credit report as a charge off. Please remove this account from credit report. Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the  Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life. 
I am now demanding the immediate and complete removal of this tradeline from my credit reports ( XXXX XXXX and XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved within 30 days, I will take any and all necessary steps to protect my rights. 
Thank you in advance for your attention to this matter.
Product: Checking or savings account

I was being charged overdraft fees even when I wasnt overdrawn on my account. I went in personally to fix this problem and the lady I spoke with in the XXXX XXXX office told me there was nothing they could do. So not only did they take money that was mine they charged over draft fees to my account. The bank made a mistake when I had money in their to cover my purchases but showed I didnt so I was charged overdraft fees. When I went in person to provide proof of my recent deposit from my paycheck they said there was nothing they could do and she closed my account. So I lost an entire paycheck and was charged over draft fees. Its was close to XXXX total including overdraft fees
Product: Mortgage

I have my mortgage through Mr. Cooper, previously Nationstar since XX/XX/XXXX. All payments have been made in full since the start. In the most recent escrow Annual Escrow Account Disclosure Statement, my monthly escrow payment increased from {$330.00} to {$480.00}. I called and spoke with a representative today ( XX/XX/XXXX ) in the escrow department who identified that there were two payments made in XXXX and XXXX of this year to PMI. {$410.00} was paid in XXXX and {$1400.00} in XXXX. I was transferred to the PMI department and spoke with a representative and a supervisor. I was told that the reason for these two payments was due to my PMI having not been paid. Based on the total ( {$410.00} + {$1400.00} = {$1800.00} ) and the amount of my PMI ( {$58.00} ), 32 payments were missed which indicates that payments have not been made for my PMI since the loan originated. The statements that I have received from Nationstar and Mr. Cooper indicate that payments were being made for PMI. On the attached statements there is a section called Prior Escrow Analysis Account History, which has the wording " This is a statement of the actual activity in your escrow account from xx/xx through xx/xx. '' I was under the impression that my PMI payments were up to date based on this information. I have received two refund checks from Nationstar/Mr. Cooper since the loan originated - {$750.00} on XX/XX/XXXX and {$220.00} on XX/XX/XXXX. The supervisor at the PMI department advised that I would not have received these refunds had the PMI payments been made. I, however, did not know that the payments were not being made and therefore thought that the surplus checks were indeed surplus after having all escrow liabilities paid. At this time, I am now expected to pay an additional {$140.00} per month due to this error that went unnoticed for 32 months. The error was noticed, according to Mr. Cooper, due to an audit performed by the PMI company and not by Mr. Cooper themselves. I had never received any notice of payments not having been made or that the error was found. This new monthly payment amount is outside of my budget due to Nationstar/Mr. Cooper 's error.
Product: Mortgage

I am working now and need to apply for a loan modification. I just want to modify my loan, improve my credit, remove all the fees, and start making payments again with fees removed and late payments applied to the back of the loan. I am making $ XXXX so I can afford to make the payments again. 

This all started when my loan got transferred from XXXX XXXX XXXXo XXXX XXXX XXXX and snowballed ever since. Now it's with Specialized Loan Servicing in foreclosed status. 

History Company Dates XXXX XXXX  XXXX Mortgage XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX ( Never Honored XXXX XXXX  Forbearance Modification - Applied multiple times with no luck. Got further and further behind ) Specialized Loan Servicing XX/XX/XXXX - Present ( Never Honored any Forbearance Modification - Applied multiple times with no luck. Got further and further behind ) In addition, SLS  has broken many debt collection practices. A copy of the voicemail is attached below. 
XXXX at XXXX
Product: Credit reporting

As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$110.00} to XXXX for XXXX XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$110.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint concerns getting access to My Equifax account, as well as, obtaining a credit report from them. Trying to resolve the issues started in XX/XX/XXXX. 

I created a My Equifax account after discovering that my credit information was stolen during their security breach. I applied for a credit card in XX/XX/XXXX and was refused because they were unable to get needed information. I was unable to temporarily remove the credit block because I am unable to sign into My Equifax account even though I have the correct password. 

After hours and hours on the phone, mailing information to prove my identity, faxing more information regarding my identity because the mailed documents, I was told, were not received. That scares me. I eventually made some head way and received an email to reset my password on XX/XX/XXXX but the link did not work, and I have been faxing and asking for assistance to resolve the issue since and have had no answer. I also filed a complaint with the XXXX XXXX XXXX XXXX XX/XX/XXXX but there was no resolution through that complaint. 

My last fax to Equifax was on XX/XX/XXXX giving them until yesterday XX/XX/XXXX to respond and assist me. This was a follow-up fax from XX/XX/XXXX that was never answered. 

Equifax is not working with me and assuring that I can get into my account, a very simple request. This situation consumes an enormous amount of my time and creates immense distress and hardship for me, especially, since I can not conduct business freely or get needed credit information. It is for these reasons that I am turning to you, be an advocate, so this can be resolved. 

This is a formal complaint against Equifax and its business practices, which I feel are unjust and not consumer friendly.
Product: Debt collection

D2 Management - apparently a collection agency - called me from XXXX. They told me I owed 3 accounts that they hold. One was XXXX, one was XXXX, and one was XXXX. I do not recognize these accounts but I notified them that they can not collect on a debt from XXXX anyway because it is outside the statute of limitations for Ohio but she argued with me that it is not. 

I asked no less than 4 times during the call to have my debts sent in writing because I need to know who they were, what they were for, and when they were incurred, and she said things were mailed to me " before it went into collections and they do everything electronically by email. '' She flat out refused to take my address and send me anything in writing. 

I also notified her that she was calling me outside standard collection hours. She argued with me that it was XXXX. I live in Colorado. I used to live in Ohio, but she didn't give me a chance to tell her it was XXXX XXXX because she refused to take my address for mailing me the information and kept interrupting me and reiterating that I had to make a decision regarding paying these off or she " would have to tell her clients so they could make a decision about further legal action. ''
Product: Consumer Loan

Wells Fargo Bank is not applying extra paid on the payment to the principal they apply it to the next months payment. I called them to complain and at first I was told they do not apply the extra to principal they did not have to, and there was not way for them to do that. They do not give an option online when making payments for extra to be given or applied to principal. When I stated that is not legal then they tell the only way was to send in a check by mail with instructions to apply to principal otherwise it would be credited towards the payment/interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., 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 Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$550.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  XXXX Balance {$470.00} ; XXXX XXXX XXXX In XXXX XXXX {$67.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$140.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$120.00} ; Original : XXXX Balance : {$88.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$100.00} ; XXXX XXXX XXXXXXXX ; XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted Navient and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. Navient has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my Navient accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due ( XXXX 2014 and XXXX 2014 ). I respectively ask that the late from XXXX 2014 to XXXX 2014 be removed and set to current. As soon as I contacted Navient they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as Navient is doing illegal collecting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. COMENITY BANK/XXXX XXXX XXXX XXXX XXXX, 2019 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Credit card

On XXXX XXXX, 2015, I discovered a series of fraudulent charges on XXXX credit cards ( all were department store cards ) totaling close to {$5500.00}. As soon as I learned of the fraudulent charges I contacted all XXXX department store card issuers which includes Macy 's. XXXX of the XXXX credit card issuers immediately provided provisional credit and resolved the issue within 10 days. It has now been over 100 days and Macy 's still has not credited my account or provided any updates on the resolution of this matter. As stated earlier, I contacted Macy 's on XXXX XXXX to inform them of this error. At the time, they stated I would receive a statement of fraud in them with 5-7 days. After 10 days, I had to contact them again to check on the status of the statement of fraud as I had not received. It took another 7 days to receive and I returned via mail ( as requested ). On XXXX XXXX, I contacted the Macy 's Fraud Department to check on the status on my claim. At this time, I was told that they did not receive the statement of fraud ( or could not locate ) and I was asked to fax the statement of fraud. As requested, I faxed the statement of fraud directly to them and was told that it would take 30-90 days to resolve. Keep in mind, that I originally mailed the statement of fraud in XXXX. I asked for confirmation of receipt of the statement but no one contacted me as I requested. On XXXX XXXX, I called again and to request a status and was told that it was it their system but there was no current status to provide. I was only told that it would be taken care of and not to worry. I was also told not to pay anything over the original amount that did belong to me which was a very small amount as my fraud claim would be rejected if I paid any of the fraudulent charges. I have continued to make minimum payments, as instructed, but I am now at the point where the minimum payment is more than what I owe. I called back again on XXXX XXXX, still no update. I am only told to continue to make minimum payments or I will be assessed a late charge - contradicting the previous communication that I received to not make payments towards the fraudulent charges. I am extremely frustrated by the lack of urgency or action on the part of the Macy 's Fraud Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

During Covid I stayed at the property and fell behind. I wasnt able to work. A local charity was helping people that were behind on their rent due to Covid. They were given the information and paid but they still put an eviction on my credit even though the money was given to them by a charity on my behalf. For years I have tried to reach out to them to have the debt removed because it was paid and never got anywhere with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed a dispute to Experian asking that they look into XXXX bankruptcies being reported on my credit report. Experian incorrectly confirmed that the bankruptcies belonged on my credit report. I was sent a confirmation on XX/XX/2022 Experian says that they confirmed the Bankruptcies thru a company called XXXX. a third party company It is the responsibility of a credit reporting agency to verify information at it's source confirming Social Security number, Birthday and Name. No Federal court will provide this information under federal rule of Bankruptcy procedure 9037. Knowing this I already contacted XXXX and requested a consumer report from that company. XXXX sent me the requested consumer report which I received on XX/XX/2022. There aren't any bankruptcies showing on my XXXX XXXX consumer report. XXXX is not showing any bankruptcies. Experian should not have been able to verify public records with XXXX. XXXX is not showing any bankruptcies on my consumer report. It isn't possible to verify something when it isn't there.. XXXX has committed a grave error against me and my family and we have suffered irreparable harm due to the blatant intent of Experian to cause me harm. Please see attachments which includes my initial letter to Experian dated XX/XX/2022 Experian acknowledgement of receipt of dispute dated XX/XX/2022 Experian investigation response dated XX/XX/2022 A copy of My XXXX consumer report dated XX/XX/2022, I am demanding that the XXXX bankruptcies showing on my Experian consumer report be immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  IS REPORTING A ACCOUNT ( XXXX ACCT # XXXX  ) TO EXPERIAN THAT IS STILL SHOWING DERROGETORY INFORMATION THAT SHOULD BE DELETED FROM MY EXPERIAN CREDIT REPORT.

THEY SOLD THE ACCOUNT TO XXXX XXXX, BUT NEVER DELETED THE ACCOUNT WHEN THEY SOLD THE ACCOUNT. THIS ACCOUNT WAS SOLD TO XXXX XXXX  ON XX/XX/XXXX. SEE EXHIBIT ( A ) ATTACHED.

ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX  SENT DELETION NOTICES TO ALL CREDIT REPORTING AGENCYS TO DELETE THE ABOVE ACCOUNT, ATTACHED IS EXHIBIT B & C TO SEE THE LETTERS OF DELETION TO ALL CREDIT BUREAUS.

I CONTACTED EXPERIAN, AND THEY STATE THAT ITS UP TO XXXX XXXX TO REQUEST THE DELETION OF THE XXXX   ACCOUNT # XXXX.
Product: Checking or savings account

I signed up for a gym membership at the age of XXXX on my own without a parent at XXXXXXXX XXXX the owner of the anytime fitness in XXXX Ohio was aware of this but continued to convince me to sign up anyways. The membership he put me on was a 4 year {$20.00} charge every two weeks. I Began this in XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the beginning of XXXX, I checked my credit report and the item being disputed had been removed from my XXXX  credit report but has reappeared with a new creditor listed. The original creditor was XXXX XXXX XXXX XXXX XXXX in the amount of {$510.00}. The new creditor is ASSETCARELLC/CAPIOPART. I called the new creditor and was told that the original account had been opened with XXXX XXXX XXXX XXXX  XXXX  in XXXX. However, because it had been completed removed from my account, it should not have been reopened and processed with the date XX/XX/XXXX as if it was a relatively new account.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer file via experian on XX/XX/2024 and noticed several personal identifiers that do not belong to me. This prompted me to file an FTC report due to an incorrect social security number, several names, an employer I've never worked at and a phone number that didn't belong to me. It is alarming that my file has been merged with someone else 's which effects my ability to accurately identify who i am. the incorrect information is as follows : 1. Names : a. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Non-mailable addresses associated with my profile : XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. Employers listed : XXXX XXXX XXXX ( I have never worked here ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

4. Phone number associated : ( XXXX ) XXXX XXXX. Social Security Number : XXXX ( not assigned to me ) My correct information is the following : XXXX XXXX XXXX Social Security number : ( document enclosed ) Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Phone number XXXX XXXX Considering that there is a social security number that does not belong to me on my consumer file. I can only assume that my file has been merged with someone elses. I request that Experian promptly investigate these inaccuracies and remove them from my consumer file. It is imperative to uphold the accuracy and fairness of credit reporting, as highlighted in 15 U.S. Code 1681, which emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumer rights to privacy. 

Furthermore, it is essential that consumer reporting agencies adopt reasonable procedures to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information, as mandated by this subchapter.