23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I XXXX XXXX along with my wife XXXX XXXX have worked diligently to get our mortgage back on tract, and we were successful doing so. We are very pleased when Ditech approved our mortgage modification and they even set aside a large portion of the mortgage into forbearance. We have been making our mortgage payments by XXXX XXXX at a local XXXX. However, the payments, which were made in cash were never processed by Ditech, We are sure that there was a problem posting our payments through XXXX XXXX. However, we are now being threatened by Ditech that we have not made our payments and that our home was being placed back into foreclosure. We have not missed any payments and this has to be an accounting problem. We post this problem through the Consumer Financial Protection Bureau as we need Ditech to treat us fairly and to get the accounting problem resolved as quickly as possible. My wife and I do not want to go through a difficult modification process again, but to maintain our current mortgage payments and to have our final modification papers delivered to us as quickly as possible. As I stated earlier, we were both very grateful to Ditech for the help they showed us in getting back on our feet, and we desire to keep it that way. WE will do whatever is necessary to help Ditech resolve this problem, and all payments can be made from now on by regular check instead of XXXX XXXX. In that fashion a cancelled check will always be available to prove that payments are being processed properly.
Product: Debt collection

I filed a complaint last month to which they said they responded. The response is a corrupt file. Once again LVNV and failed to provide any proof of dates, balance, how calculated or the debt is even mine. Furthermore, they are inaccurately reporting on my credit reports as current late payments. This is also false.
Product: Credit reporting, credit repair services, or other personal consumer reports

A year ago in late XXXX of XXXX I discovered a derogatory mark in the amount of {$270.00} on my XXXX XXXX report. Upon further research, this account was transferred/sold to Southwest Credit. So on XX/XX/XXXX I sent Southwest Credit a U.S.Postal Service certified letter to verify the debt from this so-called collection agency. Southwest Credit never did verify the debt, NO written form of communication, contract, or signature for this accused debt at all. Then out the blue on XX/XX/XXXX ONE YEAR later and Extremely LATE this same agency FINALLY response with a poor quality photo copy of a bill anybody could've sent and said was mine. Nothing I even requested in XXXX of XXXX was ever sent. According to the FCRA Southwest Credit has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  XXXX and XXXX  XXXX XXXX '' with Account Number XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX XXXX and XXXX XXXX XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.
Product: Mortgage

We are senior homeowners, greatly impacted by the XXXX XXXX pandemic, who have nearly lost our entire business of over 30 years. 

We are ever so grateful to be currently in a forbearance plan. Since XXXX, we been trying to work with XXXX XXXX XXXX to create a " stand alone partial claim '' for our forbearance plan. 

We have an FHA loan, and have been in contact with them on multiple occasions over the last few months in writing, and on the phone with their customer service department. 

Today after many attempts to move forward with the " stand alone partial claim '', we instead received a loan packet for a " loan modification '', even after letting them know since XXXX we want to use the " stand alone partial claim ''. I am attaching a copy of my letter from XX/XX/2021 requesting this. Also on XX/XX/XXXX at XXXX XXXX XXXX XXXX I spoke to " XXXX '' in the customer service department. I made it abundantly clear we wanted to have the stand alone partial claim. 

XXXX XXXX is difficult to communicate with. Long waits on the phone. I even received an email from one of their employees letting me know the loan documents were on the way and requesting me to respond back right away about the loan modification, and my reply bounced back.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. I need the accounts below DELETED from my report : 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

I have medicare so there is no reason an emergency visit to the doctor should be on my credit. Please help me take this off.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Demand Regarding Debt Collection Communications Dear XXXX XXXX, I am writing to formally request that you cease all communication with me regarding the alleged debt referenced in your previous communications. This letter serves as a cease and desist demand under the Fair Debt Collection Practices Act ( FDCPA ). 

Case law has affirmed my right to request the cessation of debt collection communications. In *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 

Furthermore, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ), reinforces the consumers right to privacy and the obligation of debt XXXX to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA. 

Please consider this letter your formal notice to cease and desist all communication with me regarding this matter. Any further attempts to contact me, including but not limited to phone calls, letters, or electronic communications, will be considered a violation of my rights under federal law, and I will not hesitate to take appropriate legal action if necessary. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this letter and that you will comply with my request. 

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

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX my daughter 's cards on my account were stolen from her person as she took her XXXX min walk from the XXXX XXXX in XXXX to her College. I am in Colorado. A number of purchases were made while I was sleeping and she was in class, the were unauthorized fraudulent theft. Early XX/XX/XXXX I called Chase.com to cancel the cards, they had already put a fraud alert on both cards- United ending XXXX and British Airways ending XXXX. Chase 's Fraud operator was efficient and reassuring, together we went through each fraudulent unauthorized transaction and he confirmed they would be removed within 24 hours, he cancelled and expedited new cards now in my possession. XX/XX/XXXX my daughter reported the theft of her wallet and contents to XXXX XXXX Police Department and received an case/incident number. I sent this report with her detailed information in email to Chase.com through the secure message option on my chase.com dashboard, and have continued to email each day for resolution. Today is XX/XX/XXXX. In my communication with chase.com I have included photos of my Chase.com dashboard where I repeat myself to identify all fraudulent unauthorized transactions of XX/XX/XXXX which was first done early XX/XX/XXXX with the chase.com fraud operator. Initially I received an email reassuring me of the Visa/Mastercard guarantee to remove these charges. On XX/XX/XXXX the unauthorized charges were in PENDING mode, then XX/XX/XXXX I noticed some of these unauthorized charges were removed and other unauthorized charges moved to my dashboard current statement so PAID. I have tried to call Chase.com many times since XX/XX/XXXX but they do not have an option for 'speak to fraud department XXXX it is not offered. Each day I have written expressing my concern and listing the fraudulent unauthorized charges on my United and British Airways cards. I receive an endless cycle of auto responses with misinformation of how to speak to someone. This is not acceptable. It is notable that the unauthorized fraudulent now PAID charges are to big corporations, the unauthorized fraudulent charges Chase.com removed were to small vendors, but the big companies unauthorized fraudulent payments have not!! Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating these accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent are fraud. Please delete the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing in regards of the ongoing issue concerning the late open accounts inaccurately listed on my credit report. This letter marks my eleventh attempt to address this matter, and I am increasingly frustrated by the lack of resolution and the continued presence of these inaccuracies. I have diligently provided all necessary documentation and followed your companys procedures to dispute these erroneous entries. Despite numerous follow-up communications and assurances that the issue would be resolved, the late open accounts remain incorrectly reported on my credit file, causing significant distress and impacting my financial standing. I expect for ani immediate Correction of Late Open Accounts and ensure that all late open accounts are accurately reported on my credit file, reflecting their true status. Also a thorough Investigation : Conduct a comprehensive review to identify and address the root cause of these inaccuracies, implementing robust measures to prevent future occurrences. The following accounts should be corrected as soon as possible : XXXX XXXX Balance : {$140000.00} ; XXXX  XXXX Balance : $ {$190000.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Debt collection

On three separate occasions, This Debt collector sent texts to my wife identifying themselves as follows : " This communication is from a licensed Bill Collector. '' My wife neither signed for this debt or was an authorized user. This is my debt alone.

I was under the impression that contacting a third party & identifying themselves as bill collector is a criminal action that is punishable by hefty fines.
Product: Debt collection

Hello, I'm a victim of identity theft. And many accounts were forward and established with this compnay without my consent or signature. 

I recently sent documents around XXXX of 2018 adressing this issue.
Product: Credit card

I bought a package of socks at XXXX for {$9.00}. The clerk convinced me to open a charge card. He did not explain that this was not a XXXX card, but was from Synchrony Bank. 

When I received the first statement, it was over {$300.00}. 

Synchrony Bank resolved XXXX charge, but refused to resolve or investigate the other ( for about {$120.00} ). They have been dunning me for this change and adding interest charges. They refuse to investigate the original charge. 

They are ruining my credit rating with their refusal to investigate this fraudulent charge.
Product: Debt collection

I have  XXXX  accounts w ith Midland Funding  #  XXXX  and #  XXXX  and I have requested debt verification more t han one ti me and this company has not provided me that information. It has been more than 70 days and not information has been provided to me from this company. I 'm requesting that since this company has failed to provide me with information that this account be deleted from my credit report. They have indicated that since that they have not provided me verification that they were going to delete the information from my credit report, but they have failed to remove from my credit report. I have sent them and the credit bureaus more th an 4 letters  requesting verification which they have refused to provide me.
Product: Credit reporting or other personal consumer reports

I have notified the credit breaus several times to remove all things that are not mine off of my credit. I am very upset because i have XXXX kids and we are trying to buy a house. XXXXhay have not updated my credit score at all and io have on time payment that is reflecting.
Product: Debt collection

Hello, I am XXXX XXXX. I am a veteran and I served 7 years in the XXXX XXXX I am just trying to fix my credit score and need help from XXXX XXXX XXXX XXXX XXXX. I have recently paid off a debt. I know that there is a 7-year time frame to remove it from my credit bureau reports. I have tried everything and have been going back and forth with Enhanced Recovery company and XXXX XXXX XXXX XXXX XXXX. 

I am trying to buy a home here in Texas and ask if you can please work with me and remove the XXXX balance paid from my three credit bureau reports. I apologize for my lack of responsibility and will never do it again. 

I am XXXX, I have been traveling the world and now ready to settle down and buy a home. Can you please help me accomplish this goal.
Product: Credit reporting or other personal consumer reports

CREDIT COLLECTION SERVICES have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

You CREDIT COLLECTION SERVICES failed to validate this alleged debt. 
I refuse to pay this FOR ACCOUNT # XXXX alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. 
This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY. 
15FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors USC 1692c ( c ) Ceasing communication FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations
Product: Checking or savings account

This is the second complaint on how my fathers account was closed and still no one can tell me how. My father XXXX XXXX XXXX passed away XXXX XXXX and he had a joint account with his girlfriend XXXX XXXX. I was able to close is personal account as soon as I had the death certificate but not the joint account since XXXX was still alive. But unfortunately she could not take my father off the account with out me since they were not married and she was unable to get his death certificate. So I was willing to go down with her to take him off. But unfortunately she kept putting it off and she had passed away two months later. I was told by Wells Fargo the account can not be closed unless both next of kin were present with both death certificates and IDs since they were not married and there was no Wills or Trust. If no one agreed on who got what we were told we had to take it to court which no one had done. I had been trying to close this account for months and kept getting the run around from the bank. I even had a letter from the bank stating both parties must be present. I was just recently told the account had been closed by XXXX 's son and that was that. When I called the bank they couldn't give me any information over the phone so I went down and was given the run around several times. When I finally was able to talk to a manager they said they don't know why it was closed and since it was closed they would have to have the Estate department call me by XX/XX/2023. Well here it is Thursday XX/XX/2023 with no call no explanation. I need an answer on why this has happened with my fathers account. I am the only living child of my fathers so no one is able to get anything legally but me. There was no one on my fathers account but him and his girlfriend, so with that being said no one can close the account until both next of kin have gone down together and shown ID with both death certificates. I want answers.
Product: Credit reporting or other personal consumer reports

Lead Bank is reporting inaccurate and predatory information that has manipulated me and manipulated the credit system. They are using predatory practices of reporting charge-offs on multiple months in a row to extend the life time of the debt on my credit reports to further tarnish my reputation as a young individual. The charge off is only supposed to happen ONCE. Lead Bank is reporting a charge off from XX/XX/XXXX and then SKIPPING MONTHS to go to XX/XX/XXXX and again on XX/XX/XXXX which is impossible because if it was charged off on XX/XX/XXXX thats it! You cant charge off the same account again after that with a balance that I cant even use. Inaccuracies across the board to manipulate me and hurt me for years to come of my young life. A CLEAR VIOLATION OF MY RIGHTS AND LAWS FOR A FAIR AND ACCURATE REPORTING. They are purposely reporting false charge off months and information on my credit report so they can have it reporting for longer than it is even legally supposed to be on my report. I have the proof of this on all credit reporting documents. I need this report deleted and completely erased off my credit reports so it doesnt tarnish my reputation and further affect my wellbeing. I want this account deleted off my reports completely!
Product: Mortgage

I am seeking legal assistance regarding the unlawful repossession of my property Based on fabricated documents. I have evidence, my legal Title and Deed, and other Supporting documents that prove fraud. I was escorted out of my home by Law enforcement and given the ultimatum leave or face XXXX time. 

My entire household belonging were thrown away, causing me significant emotional Distress. 

XXXX XXXX, states Fraudulent Concealment can be used to toll the Statue of Limitation The Attorney General sent them this information, They responded with more Fabricated Documents, because I have the legal ones. 

Please help.
Product: Mortgage

My husband and I were in forebearance until XX/XX/XXXX. My husband passed away suddenly on XX/XX/XXXX, not from Covid, but his medical treatment was affected by XXXX. 
I have applied for forebearance until XXXX, XXXX, as provided by Congress. I have a XXXX XXXX XXXX  and Select Portfolio Servicing, is my loan servicer.

SPS Servicing has informed me, my forebearance has expired and foreclosure proceedings will start in XXXX, XXXX, unless my application is received and approved. 

SPS Servicing has continually rejected my documents, requested documents, such HOA fees, and military pay stubs, where none exist, and none were listed. I applied in XX/XX/XXXX, and it is now XXXX XXXX. SPS is still rejecting and requesting documents. 

My relationship manager has never spoken to me directly, when I call, I speak with random representatives. 

I and my realtor, have both informed SPS Servicing that I plan on selling the house over the summer, prior to XXXX. I need more time to settle my husband 's affairs. I also am recovering from XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX in XXXX, as well as job loss due to the Pandemic. 

I am requesting CFPB look into the dealings of SPS Servicing and how poorly and the lack of timeliness, my forebearance application has been handled. 

Thank you. XXXX XXXX XXXX
Product: Credit card

My account was with XXXX XXXX. My original limit was XXXX dollars and my balance was XXXX. However, over time, they lowered the amount to XXXX, however, my balance was still XXXX. XXXX XXXX continued to charge the minimum amount until I lowered the amount to XXXX ( roughly XXXX ). I missed a payment in XX/XX/XXXX, and XXXX required that I pay both XXXX and XXXX payments by XX/XX/XXXX, for a total of XXXX. 

In between that month, my loan was sold to First National Bank of Omaha. They were requiring me to pay the full amount of XXXX by XX/XX/XXXX, instead of the XXXX. I had little to now warning and didn't even know that my account had been sold, only that when I went online I couldn't pay the bill. I went to my email and found a statement from XXXX, saying I had a balance with them. I called to report it as identify theft on XX/XX/XXXX, and that was when I was notified my account had been sold to them. 

I was finally able to pay the XXXX on XX/XX/XXXX, but am unable to pay the full XXXX by XX/XX/XXXX. Initially I wasn't even able to pay the XXXX, because I didn't have the account number, couldn't sign up online to pay, and had no idea my account had been transferred. I still don't have the card number. They have agreed to mail it to me, but I have yet to receive it. 

I would like to be given an extension until XX/XX/XXXX to pay the additional XXXX along with information about the new balance that would be due XX/XX/XXXX. I don't think I should have to pay late fees or take a hit on my credit report, with so little warning and no consideration of the historical context. This practice of requiring the full amount without notice, feels unfair, deceptive, and abusive.