23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Total balance {$250.00} {$50.00} Late fee charged for XX/XX/XXXX rent. 
I mailed out two checks on XX/XX/XXXX certified mail. One check for rent, XXXX and water usage ( XXXX ) the other check for parking ( XXXX ). The checks were delivered on XX/XX/XXXX. They cashed the parking check on XX/XX/XXXX and stated that the bank rejected rent check. I called the bank who stated that they have no evidence of the rental company trying to deposit the check. My checking account has remained above the amount the check was valued. I asked them to resubmit the check but they mailed the check back to me with void written across it. I also tried to resend them a another check but XXXX told me that I have to wait until they send me the move out ledger. 

I send an email to XXXX XXXX on XX/XX/XXXX disputing charges. 
{$60.00} Smoke detector, carbon monoxide and 3 extra {$32.00} for XXXX XXXX XXXX XXXX XXXX ) I purchased a 2 in 1 smoke detector and carbon monoxide at XXXX on XX/XX/XXXX. I moved into the apartment on XX/XX/XXXX. I returned the smoke detector and carbon monoxide on XX/XX/XXXX and I moved out of the apartment on XX/XX/XXXX. They never provided any of these items. I never asked about it because I had my own. The lease have XXXX XXXX XXXX XXXX XXXX ) which is {$32.00} a month, I paid it every month even when it's not on the rent receipt. The lease never stated that the last 3 months before the lease terminate the XXXX of {$32.00} would double to {$64.00}. 
I also have a lawyer send them 2 letters and is about to send a third letter disputing the charges with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX  /2017  I called and spoke to  XXXX   XXXX  in regards to this inquiry being on my account. When I spoke to him he informed me that I did authorize the information because whoever tried to get an application in my name had all my information. I asked if I could get an application with my signature on it and he advised that they will try to send the application with my signature. I never authorized this company to run any kind of inquiry. He said that it was done on-line which give me more reason to have this removed off my credit. This inquiry is making it hard for me to get approved for any kind of loans to get a house.
Product: Mortgage

On XX/XX/XXXX I received a Notice Of XXXX XXXX on my gate advising that my home, where I operate my XXXX Business would be up for sale on XX/XX/XXXX at XXXX XXXX by lender Statebridge and Trustee XXXX XXXX XXXX. When I called to inquire about this sale I was advised that this was a HELOC loan that originated in XXXX. On XX/XX/XXXX I was forced to file bankruptcy due to a dramatic decrease in my income as a result of government funding. In filing my bankruptcy, XXXX XXXX   XXXX was the original lender for my HELOC loan of {$130000.00}. It was my understanding that once I filed bankruptcy and received the charge off that I was no longer responsible for this debt. 

Fast forward eight years later I have a noticed of XXXX XXXX for a HELOC loan that was included in a bankruptcy. On XX/XX/XXXX I reached out to XXXX XXXX XXXX in writing and requested two items : one Reinstatement Figure, second Pay off Demand. On XX/XX/XXXX I received the Reinstatement Figure of {$100.00}, XXXX and Pay off Demand of {$200000.00}. I am perplexed by these numbers I have received and I wonder if the actions of lender Statebridge and Trustee XXXX XXXX XXXX are valid and legal.
Product: Payday loan

I have made my payment in full before the terms ended so that i would not have to be charge excessive fees for carrying out the loan to the full term and when i paid it i almost paid double from what was loaned which was {$600.00} and i ended up paying {$1000.00}
Product: Mortgage

On or about XXXX XXXX I received a Letter From Ocwen saying Dear Customer during a routine review, we discovered a overcharge for property preservation? See Ocwen Billing Correction letter XXXX ) I have Never been a Ocwen Customer? So how are you applying charges to a account Ocwen has previously admitted that was erroneus and False. 
XXXX XXXX also said via email that Ocwen Loan Servicing , LLC had nothing to due with the Fraudulent sale recorded on XXXX/XXXX/2016 into the XXXX XXXX XXXX XXXX Office a Felony XXXX a Violation.He said it was XXXX not OCWEN Why is their activity on the alleged non existent account XXXX showing a escrow balance and other monetary transactions. ( See Exhibit A ) These are blatant XXXX Violations and Money Laundering, defrauding the Federal Government XXXX XXXX by false and fraudulent claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX.
Product: Student loan

For the last year I have been paying Navient {$58.00} monthly. All of a sudden on XXXX XXXX 2016 Navient withdrew {$1600.00} from my account leaving me - {$320.00}. They claimed to have emailed me telling me to renew my payment plan or I would automatically be put on a 10 year repayment plan at {$1600.00} a month. 

When I asked what email address they had on-file they answered with my out-of-date student email address. On two separate occasions, I asked my email address be updated. It never was. 

I am now completely broke, incapable of feeding myself and incapable of paying for my XXXX to get to work and come home. I have been told my claim is expedited and I will be reimbursed in " at least '' one week, most likely two weeks. 

That means I am incapable of feeding myself and getting to work for 1-2 weeks. I make {$740.00} every pay period. That means my next paycheck will go, mostly, to bringing my account up from - {$320.00}. 

This is unacceptable. Navient is a major monolith of a company. The company would be just fine if I died today and never paid them again. I -- we individual citizens, however, directly suffer from Navient 's carelessness. 

I have bills and other loans that need to be payed. I am terrified by the thought of how this issue will negatively impact other financial responsibilities of mine. 

I live on a tight budget and I barely make things work. Navient has completely crippled me for the next 1-2 weeks. I, quite literally, am not sure how I will " make ends meet '' until Navient pays me back. And I do not know when I will be paid back.
Product: Mortgage

I called Freedom Mortgage Company ( FMC ) to refinance to get a lower rate ( over the last 2-weeks ).  I spoke to XXXX XXXX in their refinance department. We verbally walked through filling in the application answering questions. He then submitted them electronically ( email ) for me to sign. I noticed the mailing address was incorrect. XXXX entered XXXX XXXX XXXX, XXXX, CO XXXX ( not even an address ). I was refinancing for the home, which they are currently servicing, at XXXX XXXX XXXX XXXX XXXX, CO XXXX. When I found the mistake, I pointed it out to him expecting him to correct it. When I checked the next day, it was not corrected and he indicated that it was ok that I should sign it anyways and it will get corrected during the process. I would not sign it. I emailed him and called him over the next 4 days and he would not respond to emails or phone calls. I had to escalate to executive management before getting a call back from him. I then requested a different person to work with on this. 
I am providing this to CFPB, as evidence of the ongoing issues with FMC. In the past year, they have violated RESPA, paid my home owners insurance late, still have not provided me the full documentation that they are the servicer despite over 2-months of requesting it, did not inform me about the Escrow changes ( they are required to do ) and now seem to make fraudulent remarks on a refinance document that they " just want me to sign '' to move it forward. 

I have provided all of this to CFPB and XXXX XXXX in several forms and so far nothing has been done to hold them accountable. In particular, them breaking the law on RESPA ( they charged me a late fee and sent a negative credit report during the transition period ). RESPA clearly states the CFPB is the office that is to enforce RESPA yet I have been directed to seek legal council by CFPB staff. This is a criminal act which is the responsibility of CFPB. Please take action. XXXX
Product: Mortgage

I have applied to Wells Fargo on XXXX occasions for assistance with my Home Affordable Program Request. The first time when my wife passed away and now this year. This time over a years worth of documentation. I was never served that a foreclosure process was started even by the officer on the account. I was never given an option for a deed in lieu of foreclosure, a modification denial or approval which is illegal and of course now I have placed the property on the market for sale. Please assist and protect my rights that is afforded to every consumer.
Product: Credit reporting or other personal consumer reports

I have submitted this complaint multiple times to emphasize the urgency of the matter. It has come to my attention that several accounts were opened in my name without my explicit consent. Given the severity of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$320.00}
Product: Debt collection

To whom it may concern The following companies are listed on my credit report and I have never received the following items such as 1. Original Contract.

2. Payoff Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance LVNV FUNDING LLC {$150.00} XXXX XXXX  {$810.00} XXXX XXXX  {$620.00} I need these items removed from my credit report immediately can you please assist.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of XXXX ( XXXX ) unauthorized credit inquiries on my EQUIFAX credit report. My latest credit report shows those credit inquiries that I did not authorize. Therefore I am disputing the following inquiries and asking for their removal. 

XXXX XXXX XXXX  on XX/XX/year> XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX XXXX  XXXX on XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is inaccurate from credit bureau. Report is stating closed from XXXX and Experian but XXXX is stating open. 
Invalid open dates from all three credit bureaus.Showing a passed due amount when account is reporting as closed. 

Past due stating XXXX Open date XXXX XXXX Experian XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I own a property in XXXX and bills were going to the home instead of coming to me. The service provider wasn't doing what they were supposed to be doing in sending the bills to where I live which would have alerted me to an issue. We now have had a squatter in the apartment for over year ( as a result of the pandemic ), its been a very expensive process to get them out and they, of course never put the gas in their name. I closed out the first landlord/default account, but because the mail wasn't coming to my home it is my belief I was impersonated or something was mailed in to turn the services on in my name that would have only been available to the person receiving the mail. Now I have the company trying to collect on ME and have over $ XXXX bill I'm trying to dispute with them. We are finally at the stage of going to court for an ejection/eviction but this is being reported to my credit and this is NOT my bill. I have my own home in NJ where I pay gas and electric +. Gas nor electric were ever included in my properties whenever I rented them.
Product: Mortgage

This letter is to inform you of an issue I had while trying to make my XXXX 2014 and XXXX 2014 mortgage payments online with Ocwen Mortgage. My pay period is the last working day of the month and that is when my mortgage payments are made. On XXXX XXXX and XXXX XXXX, I tried to make the online payment at the website www.ocwen.com, and received a message that the system was down and to try again later. The system would not allow me to make the payment. Therefore, the payment was made via phone on XXXX XXXX. 
My credit report has since been pulled and I was notified that Ocwen is reporting two delinquent payments for XXXX and XXXX 2014. Once I was made aware of this issue, Ocwen Mortgage was contacted on XXXX XXXX, 2014 at XXXX. ; I spoke with a representative named XXXX. I explained the entire situation to XXXX and she informed me that I needed to write a letter explaining the situation to have this issue resolved. XXXX informed me since Ocwen Mortgage took over the loan on XXXX/XXXX/14, Ocwen Mortgage could not send any delinquent reporting 's to the Credit Bureau for 60 days. In addition, I called on XXXX XXXX, 2014 and spoke to XXXX XXXX # XXXX or # XXXX and XXXX stated when the loan is transferred, there is a 60 day seasoning and should not be reported. 
I take great pride in my credit scores and the information that is reported on my credit report very serious. We have been in our home for 17 years and have never had a problem until the loan was sold to Ocwen Mortgage. The mortgage has been sold several times ; however ; Ocwen Mortgage has been the worst. I sent a letter to Ocwen Mortgage to have the delinquencies removed and they would not remove them. It is imperative for Ocwen Mortgage to remove the delinquent payments from the credit reporting agencies as soon as possible.
Product: Credit reporting

My credit reports all have freezes applied. However, in speaking to a company with which I applied for credit, I was informed that TransUnion does not have a freeze on my report. And, that the the information on my report was partially the reason my application for credit was denied. This is a blatant violation of my right to protect my credit history from inaccurate information being released. This breech has caused me to lose credit and I demand that the freeze be reapplied to my report. And, that TransUnion be made to pay punitive damages for this breech! 

The documents ( s ) proving my claim have already been submitted via this portal.
Product: Debt collection

On XX/XX/2024, at XXXXXXXX XXXX EST, I called Jefferson Capital and requested validation of a debt. I was denied my legal right to validation, and the agent informed me that they do not provide debt validation. Additionally, when I asked for their mailing address to send a formal debt validation request, I was told that they do not offer validation services. The agent further advised that I must pay them in order to view my profile with their agency. When I refused to make a payment, I was told that they could not assist me any further.

These actions are in clear violation of the FDCPA, which requires that a debt collector must provide validation of a debt when requested by the consumer. Failure to provide this validation and demanding payment without proper documentation is illegal and can not be allowed to impact my credit standing.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have notice hard inquires i do not recognize. I have contacted the 2 CRAs and they refuse to dispute or investigate the inquires Attached is an FTC report indicating all of the unauthorized inquires below ( including personal statement section ) that should be removed 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquires. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person record of inquires in connection with credit or insurance transaction that is not initiated by consumer Equifax : XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX : XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Mortgage

XXXX XXXX seems to be utilizing a very deceptive practice where they show the option of bi monthly payments within an amortization calculator to show how this option will help payoff a loan faster. With this in mind it appears that this is a great option and it will save you money, however in reality the lender is holding the first monthly payment as unapplied funds and is not actually applying the payment to the loan. See the attached screen shot of the payment activity on my loan so you can observe what they are doing with the payments. I called and spoke with BSI and asked why are they holding the payments and not applying them to the loan balance? They said they dont do this and there is no option for them to applies these payments, they must hold the payment until the amount received reaches the payment amount and then it gets applied to the loan balance. Is this practice legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is in violation of FCRA, FDCPA and XXXX XXXX Compliance.
Product: Debt collection

I was contacted regarding a debt from XXXX XXXX In XXXX or so when I was XXXX, I along with other XXXX were conned into providing our information to open up a XXXX XXXX bank account. This person ultimately opened up car loans, credit cards and more in our names. This was disputed and ultimately found to be fraud in or around XXXX and it was removed from my account. Now, 10 years later a collection agency LVNV funding is trying to collect a debt that is not mine. I informed them it was fraud and requested they verified the debt with a signed contract, any payment history, and proof they are legally allowed to collect in my state. The only thing they sent was a bill from XXXX XXXX with my now married name ( XXXX ). When they called, I told them it was fraud and the lady stated " you can pay it or you will end up in court. '' I am a 100 % XXXX veteran that is already dealing with health difficulties, this has caused additional stress that I can not handle at this time. Nobody at LVNV has tried to help, just threatened to take legal action. I was in the process of trying to refinance my home and can not because of this derogatory mark on my account. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit I asked the creditor to validate this ledge of debt. It has been past XXXX  days since they received a certified letter. My rights have been violated and I have not given them consent or filled out a HIPPA form, giving this company my medical information. 
In accordance with the Fair Credit Reporting Act, the following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXE XXXX 15 U.S.C 1681 SECTION 602 A States I have rights to privacy. 
15 U.S.C. 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I locked a rate with Silverton mortgage on XX/XX/22 for 180 days while building a new home. I had reached out to the XXXX who, informed me, that he had cancelled my loan because I had evidently told him I was going with a different lender. This is not true. I never once told them after XX/XX/22 that I was going with a different lender, in fact, I had no contact with the XXXX from Silverton until XX/XX/22. 

Not only did he cancel my loan without my request, consent, or any other reason he lied to my face and told me I called him in XXXX to alert him. This, too, is false. I parsed phone records from XXXX from my provider and found no phone call to or from the XXXX at Silverton. I parsed emails to him, the last one I sent was XX/XX/22 when I signed the 180 day rate lock disclosures. 

I had finally contacted his manager and he had attempted to fix it, stating he has never had anything like this happen in the 3 years he has managed the branch. This entire process has been stressful enough dealing with renting, landlord being pushy, construction delays, flaky timelines from the builder, and the cherry on top is a completely inept XXXX. 

I understand we all make mistakes, but not only is the XXXX not owning the issue he is lying to attempt to get around it. There is no paper trail regarding me allegedly wishing to cancel the loan, and the XXXX is attempting to fabricate one to avoid consequences. 

Even if this is resolved in my favor this complaint should be taken seriously by Silverton Mortgage. Not only could this XXXX cost me tens of thousands of dollars, the stress from this is completely unnecessary and should have been avoided entirely.