23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH incorrectly reported that I was delinquent for 30 days. This was right around the time that they sold the loan to XXXX. I have proof that all my payments were on time with them. Even though they show my payments being on time they reported incorrectly to XXXX that I was late in XXXX 2022, and they reported to XXXX that I was late in XXXX of 2022. They have been unable to correct the issue and to do so in a timely manner. My credit score has been negatively affected by XXXX points and is affecting my ability to obtain a loan.
Product: Credit reporting or other personal consumer reports

Merchants Credit Guide was asked to verify a medical collection listed on my credit report. I was expecting a bill to be mailed to me or confirmation to come directly from the hospital they had listed XXXX XXXX. Instead Merchants Credit Guide sent me a medical bill showing personal health information as well as a copy of my insurance card. I feel so violated that a debt collector can get my PHI without my consent considering my own kids wouldnt be able to without my consent. According to 15 U.S. Code 1681a ( i ) ( 2 ) - Medical information about the consumer can not be furnished. Is this company above the law or are my consumer rights revoked? 15 USC 1681 section 602 states I have a right to privacy.
Product: Credit reporting or other personal consumer reports

I have a XXXX auto loan and it's reporting late payments that should not be there. My due date is the XXXX of each month and I have bank statements as well as loan statements that show my payment was collected and applied before XXXX  days.
Product: Vehicle loan or lease

I turned in my XXXX XXXX XXXX on XX/XX/18. I received an incorrect tax bill for an entire year which I resolved with the town providing proof of early termination. I had contact XXXX XXXX and they stated they would do an abatement. The town has returned the excess money for taxes back to XXXX XXXX. XXXX XXXX stated Since XX/XX/XXXX they would send a corrected bill. I have received numberous phone calls from XXXX XXXX where they are not reading their own notes that this under abatement. They call my place or work, cell and wifes cell 2 to 3 times a week  looking for payment on the wrong amount. Every conversation ends with an apology and they will get a corrected bill out. My last conversation was with a supervisor by the name of XXXX and her employee id is XXXX. I'm simply asking for my correct bill so I can pay but we are continually harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I was reviewing my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly update and removed and delete the following inquiries off my report. 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, XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX. I need these removed I have not applied for any of the above
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, Please see attached - there is wrong and incorrect Personal Information on my credit report that needs to be fixed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been having trouble removing a fraud alert from Transunion for over 60 days. they keep giving me the run around. I want to get this done asap. this has caused me frustration.
Product: Mortgage

My wife and I submitted an application through Navy Federal credit Union for a home loan. We sign documents for a 20 year loan at an interest rate around 12.85 % APR. We also submitted the request to proceed. However, I received a phone call from our loan officer XXXX XXXX, advising that we were not approved. I asked why, if we already signed E signed documents, given us the rates in terms, and she advised per our guidelines. When I requested what the guidelines were or any more detailed information, she was very vague. I asked to speak to her supervisor. Her supervisor never contacted me back. Had a XXXX contact me and stated because of our XXXX score after I requested to speak to Supervisor, the supervisor also stated to XXXX that they can submit for an exception to be reviewed and we will get a response back which we were denied again. I felt like it. This whole process was misleading since we were signing you signing documents with rates in terms my regular process was never signed any documentation I had to I knew that we were approved very misleading
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  XXXX has violated my privacy rights according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Mortgage

I was in the middle of a loan modification with XXXX XXXX when my loan servicing company was sold and switched to BSI Financial. I was originally paying approx. {$1800.00} with XXXX XXXX with no problems and paying it on time, especially for the 3 months trial period. So rightfully so when the loan servicing company switched over to BSI I continued to pay {$1800.00}. Then XXXX day I had a conversation with XXXX XXXX ( not sure who she is, but I believe my assigned agent ). She told me she would not accept anything less than {$2200.00}. I asked when did this start because I had been paying the {$1800.00} all this time and no one said anything. She said it had always been this way and that I have been paying {$1800.00} with The XXXX and why wasn't that honored. I filed for a modification and that was denied but how so when I filed XXXX with the XXXX XXXX and that was approved. So denied by XXXX and denied by XXXX no change in circumstances. Now my loan interest is 5.75 % ( listed on my monthly balance statement. however, when I called the VA to discuss what to do to avoid foreclosure, she mentioned that my interest rate was 3 %  and not 5.75 %. I have called XXXX XXXX several times no answer no reason. BSI is the worst loan servicing company in the universe. Customer service has the hardest time explaining to me what are my next steps or how to escalate my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section XXXX ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed identity theft report with all the accounts that are not suppose to be on my credit report on XXXX XXXX2020 I sent an affidavit, copy of identification copy of social security card and a bill to verify my address to XXXX XXXX and Transunion. They said they couldnt remove any of these accounts. According to 15 usc 1681 any incorrect information should be removed from credit report.
Product: Mortgage

XX/XX/XXXX I requested a modification from Owen on my mortgage due to miss-payments based on illness XX/XX/XXXX Letter of Default date from Owen ( {$1300.00} ) was created and sent to me XX/XX/XXXX Modification on Owen sight read denied. 

XX/XX/XXXX Spoke with Relationship Manager, XXXX XXXX and requested a repayment plan to catch up arrears and it was also denied. 

While I have been trying to work out a repayment plan with Owen, they continue to engage in " Dual Tracking '' in an attempt to take my home. '' Home value : {$310000.00} ( BASED ON NEXT DOOR SALE OF XX/XX/XXXX Amount owed : {$90000.00} Amount pass due : $ {$1300.00} XXXX XXXX XXXX no XXXX XXXX XXXX
Product: Mortgage

Wells Fargo Home Mortgage - Loan ModificationDuring an economic downturn that resulted in a real estate market collapse, my family lost most of our income and was struggling to provide basic necessities for our XXXX children. My husband lost his business. It was a difficult time for us. It was difficult to get a modification done - very difficult. 

After a 3 year process of a continuous declines Wells Fargo offered my family a home modification agreement. This agreement was signed XX/XX/XXXXThe terms of the Loan Modification Agreement offered on XX/XX/XXXX was as follows ; 1. New amount payable under the Note is {$700000.00} 2. Interest Bearing Principal Balance {$570.00} based on the appraisal of the house. 3. Deferred Principal Balance {$120.00} 4. Forgiven Principle of $ XXXXOn XX/XX/XXXX we received a XXXX XXXX envelope with a letter included in this complain, that states : Wells Fargo discovered that they did not show us " clearly '' how they arrived at the new principal balance within Modification Agreement. 
They changed the Principal Balance to {$780.00}, XXXXWhich is {$77000.00} more than the modified principal under XX/XX/XXXX Agreement. 
This is unacceptable and deceitful. Please investigate. We will can not accept this new principal balance. Our income is limited and we are working hard to make payments and pay off our house. This increase is not justified as there is not basis for it. 
Included are the original modification and a letter / modification with enlarged balance.
Product: Checking or savings account

I recently encountered issues with a loan program advertised by DreamSpring, hosted by XXXX XXXX, which claimed not to have a minimum credit score requirement as they are supposedly a CDFI lender. Although I was skeptical but I had faith as I have a fair and solid credit score, so I proceeded with the application. They required a {$25.00} fee for a background check, which I paid using a secured credit card. After not hearing back for three days despite reaching out, I disputed the charge. 

Once the loan officer saw the dispute, he contacted me, asking for additional documentation like bank statements and further ID, assuming the dispute might be reversed. After three days, however, he rejected my application, citing reasons that included customer withdrew their application, debt-to-income ratio is ineligible, and unable to reach the customer. These reasons were paraphrased as he failed to provide specific, clear information. When I asked for an adverse action letter explaining the rejection, he could not provide proper details. 

I am concerned that this agency may be engaging in predatory lending practices and would appreciate if a higher department could investigate their practices. Thank you for your attention to this matter.
Product: Debt collection

I had a large   XXXX   service bill from  XXXX   XXXX   XXXX   XXXX  office after finding out that she was not a network doctor and she is not a  XXXX  provider. Once I had paid off another medical bill I sent an letter with a {$50.00} check, stating I could not pay in full but would send payments as I could. The office turned the account over to a  American  Credit Bureau, Inc.collection agency. In mid  XXXX   2017 , I began receiving calls from a  XXXX   XXXX  's @  XXXX  or  XXXX  ext.  XXXX . I Had noted this number on telephone up  to ten times in one day w ithout a message so I assumed it be telemarketers. Home recuperating from some procedures, I answered the telephone and spoke to this  XXXX   XXXX  's about the account, and informed about the letter and check to  XXXX   XXXX  's office and that a I did not have that amount to pay off and was on  XXXX . He became calling back several time with discounts to present, non that I could meet or commit to.I became unavailable due to severe illness. Rather than leave a message he unknowingly obtained through some source a neighbors phone number and called her stating it was a urgent call for me. This neighbor bought me the note quite upset as to how this guy got her number and questioned if I had given it to him, I informed her no. When I felt better I called his office and informed him he had crossed the line and do not call again and that I would file a complaint to find out what I could do. Seniors are very private people and non-trusting, I was so embarrassed and upset it has delayed my recovery. I also feel this is a harassment issue
Product: Debt collection

On XX/XX/2019 I paid check full balance billed to close this account with check # XXXX which was converted to an ACH and paid according to my bank account. I have returned all equipment. I received no notice from XXXX that it was not paid and I have a copy of my checking to use as proof. I have spoken to XXXX XXXX and GC Services and not been able to resolve with them.
Product: Credit card or prepaid card

I have tried several times over the last couple of years to have Capital One lower our interest rate on our credit card, with no avail. I pay the card on time, and often early, and always pay more than the minimum. This positive track record dates back more than five years, yet when I call to request the rate to be lower no one can help me and have never been granted a reduction. Is there any regulations over the rates these companies charge and how often the reduce the interest rates :
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed an account that is not reporting accurately. I have a late payment appearing on my XXXX XXXX XXXX account opened XX/XX/XXXX ending XXXX account that I was that was in fact paid on time. As i have this credit card on auto payments to ensure that i am never late. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payment. I've attached a copy of my credit report to this complaint on the following date XX/XX/XXXX I'm now requesting you to investigate such discrepancies on this account. Please verify through obtaining evidence, such as statements, demonstrating the late payments being reported. If the creditor is unable to provide the proper evidence confirming all 3 late payments reporitng. I surely hope you follow your rules and regulations and demand the lates be removed and update this late payment reporting to be paid on time immediately. thank you for your immediate attention and prompt action to my request.
Product: Mortgage

XXXX XXXX sold my loan to Rushmore XXXX. Prior to this sale I had spent hours and hours back and forth with XXXX XXXX regarding the fact that I requested to stop escrow for taxes and insurance since the loan was more than half paid back. They agreed and issued me a refund of the escrow. When my insurer sent them the escrow notification they increased my payment to reflect the insurance amount. I again had to call numerous times to get the escrow removed again. The loan was sold to Rushmore Servicing and again I am being hit with an escrow for insurance thus increasing my monthly payment due. In an effort not to have to spend hours and hours again rehashing and requesting the same stop to the escrow and the increase in my monthly payment I tried calling Rushmore. After XXXX minutes of automated XXXX and although their written and automated system states they have agents available to help you I can not reach a human being. Their automated system just loops you back and forth never arriving at an agent. Rushmore automated systems can not process my request and it definitely can not stop the escrow process which is the issue. I need a human being from their insurance escrow department to call me and put a stop to any escrows from being added to my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX  and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Mortgage

I currently have a mortgage with regions bank. I recently got a letter in the mail about my mortgage increasing due to homeowners insurance increase nationwide. I called regions and request that they terminate my mortgage insurance ( PMI ) which would help maintain my mortgage payments to where it was manageable. The representative I spoke to at the time told me that he was going to put this request in which is due to me base on the length of my mortgage with them. a few weeks later I got a denial letter from regions stating that they are unable to terminate my PMI due to delinquency on my account. my account is not in any delinquency back in XX/XX/2014 I lost my job and was going through a hardship I missed one payment and it was due to the fact I was in a process of applying for a modification to help me from losing my house then. Now with this increase and regions declining to terminate this insurance I am having a hard time making my payments and fear I may fall behind on my payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of My credit report through XXXX. Unbeknownst to me there were Unauthorized Accounts on my report that I did Not sign for. I am a victim of identity theft already reported to the FTC. My identity information was used to get state Identification, cars, phone, internet etc. I have been able to remove mostly everything accept the lease and or auto loan with BHFC that I did Not Authorize. I need this removed immediately, according to the FCRA all credit bureaus duty are to report 100 % accurate and honest reports.
Product: Mortgage

I have a property that I am trying to complete a short sale and the debt for the property was included in a bankruptcy that was discharged almost 6 years ago. I made arrangements with the primary mortgage company ( XXXX ) to still pay the monthly mortgage amount for them to allow me to stay in the home which I had been doing for over 2 years. Last year around XX/XX/2017 I received a notice of foreclosure proceedings that was going to be started on the property by the junior lien holder on the property XXXXXXXX XXXX  who is being serviced by Franklin Credit. I did not receive any of their prior notices because everything was being sent in my ex husbands name and I was served notice because I lived in the property at the time about the pending foreclosure. When I reached out to them I tried to do a loss mitigation process with them and offered then a settlement amount of XXXX at the time which they declined stating that the offer was too low. After going back and forth with their servicing company Franklin Credit we could not come to a resolution and they would not accept my offer. Franklin Credit opened a foreclosure case in XX/XX/2017 for me in Maryland and started the process even though I was trying to make arrangements with them. Since they would not accept the settlement offer I decided to do a short sale on the property to avoid the foreclosure. I put the house on the market last year in XX/XX/2017 and received a cash offer from a buyer asking to purchase it for the agreed upon amount of the first lien holder XXXX. When we were ready to go to settlement and the title company tried to clear us for settlement we found out that the junior lien holder had filed a lien against the property preventing me from selling the property and obtaining a clean title. I reached out to Franklin Credit who is the servicer for the junior lien holder and I have been working with XXXX XXXX and he told me to resubmit an offer to the company to see if it would be accepted. XXXX will only allow a maximum of XXXX be paid to the junior lien holder which I offered to Franklin Credit to get the lien released. They refused the offer and countered it stating that they are looking for a payoff of {$30000.00} before they will release the lien or they will proceed with the foreclosure. I have been rebuilding myself and my credit since I filed for the bankruptcy 5 years ago and I am trying to protect my credit and not have a foreclosure on my record when I have been trying to work this out with them. I am in danger of loosing the buyer that I have as we were supposed to go to settlement in XXXX of last year and he wants to pull out his offer. It seems that Franklin Credit is trying to cause me an undue stress by forcing me into foreclosure. The home is vacant I have already moved but I do not want to have this fall on my credit. As this process is drawn out by them their are fees that keep adding up from the HOA for the property that I am trying to avoid as well.
Product: Credit reporting or other personal consumer reports

Some of my personal information is inaccurate and non-applicable
Product: Debt collection

XXXX XXXX 2017 JH Portfolio sent a letter stating they verified an account. However, they did not provide evidence validating the debt as I previously requested.I asked for competent evidence that I have any legal obligation to pay them for said debt. They were not able to provide proof and I requested this false debt be removed from all credit bureau reports. The debt is still present on all credit reports.