23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Customer Service Department, This is pertaining to the package dated XXXX XXXX, 2015. The information included does not address the fact the payment being billed for PMI has increased and does not coincide with the documents signed with XXXX XXXX. Also, it states that Green Tree has not completed an analysis since the service of the account, however, in prior mailings, it indicates otherwise. Additionally, a payment remittance has not been received for the second month consecutively, which further solidifies the mishandling of the account. 
Consequently, on your Green Tree 's own website, it displays how the escrow account is used for various payments and how it could potentially change from year to year. Listed are taxes ( which I pay directly to the county ), insurance premiums ( which I pay directly ), but no mention or PMI. If my PMI has been predetermined based on my refinance with XXXX XXXX and should not be modified, then why is there a change when the factors provided do not apply to my circumstances and or loan? 
Lastly, it states in the same package dated XXXX XXXX, 2015, that all RESPA letters should be sent to XXXX XXXX, SD. Sending correspondences via the mail are very problematic as my experience has shown that documents are either not received and or not annotated not in sufficient properly. I am paying accordingly to what the documents in the refinanced stipulated, therefore, anything additional would constitute fraud.
Product: Credit reporting or other personal consumer reports

I am raising a complaint regarding the unauthorized use of my credit report and the presence of fraudulent inquiries that persist despite my repeated efforts to resolve this matter. I have already submitted an FTC Identity Theft Report, which confirms these inquiries were made using my personal information without my consent. While the fraudulent accounts opened as a result of these inquiries have been closed and removed, the inquiries themselves remain on my credit report. This ongoing issue violates my privacy and continues to harm my credit profile. I have provided all necessary documentation, including the FTC report, to support my dispute.
Product: Mortgage

Green Tree servicing, My complaint is on Green Tree servicing, on behalf of my mortgage modification. It all started in XXXX 2014 when XXXX XXXX XXXX sold my mortgage servicing to Green Tree Servicing. Since XXXX I have been trying to modify my mortgage with Green Tree and have not had any success. I gave them the proper documents for proof of income and bank statements that they required and months later found out that I do n't qualify and they denied my modification. When I received the denial letter they stated do to the income my wife and I make we do not qualify. They also fabricated my home value stating my home was worth {$230000.00} when I owe {$220000.00} clearly showing I have equity. This is false because In XXXX 2014 when they took over from XXXX XXXX XXXX, XXXX mailed me there appraisal on my home stating that my home was worth {$160000.00}, so how in XXXX can my home go up in value that much. Their other fabricated lie was the amount my taxes was for the year that get escrowed. They stated my property taxes alone was over {$5000.00} a year when my taxes the past few years has only been around {$2500.00}. So when they add these ridiculous figures making it unreasonable to have a payment within their requirements. They gave us XXXX days to appeal there denial and I did and also presented proof of these fabricated figures to present my case. It is now going XXXX days since my appeal and still have n't gotten an answer and since then I have a trial date with them to attend court for a foreclosure. There is people and families making less than my wife and I are and getting mortgages and modifications. To give you an example we are making in the bracket of $ XXXX {$100.00}, XXXX a year. There is also no debt other than a car payment and regular house expenses we can clearly afford a mortgage payment. When we first fell behind a few years ago yes we were n't making what we are and we were struggling. My wife has since finished school and has a good steady job and I have since switched jobs as well with a more stable company and we are with our new jobs for over XXXX. It seems that Green Tree is another bank not willing to help families stay in their homes all they do is lie and find a way to turn everyone down. It 's a shame that our government lets these banks operate like this and steal people 's homes that they worked hard for. My wife and I built this home over XXXX yrs. ago and made our home our family home while raising our children and would like to continue doing so. All I want is a solid real modification and a chance to keep our family home. All I get when I review these mortgage companies negative feedback same story it 's a shame.
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The prolonged delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. An in-depth investigation into the origins and validity of these accounts, which I assert are the result of identity theft. Immediate removal of these fraudulent items from my credit report. An explanation for the extended delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. Kindly help me remove the following items immediately 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 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
Product: Credit reporting or other personal consumer reports

1.Each I pay for my closed account, XXXX  XXXX report negative remark to credit bureas I never made the payment. 
2.Each month I receive more than 4 different minimum payment from XXXX  XXXX from the bank App, written letter the send to my address and credit reports. 
3, on the three credit bureas capital do not state exact minimum payment and actual payment I made. 
XXXX, XXXX  XXXX filled XXXX degoritory remarks on my credit file with only XXXX and XXXX because experian had disputed and resolved after the gave inaccurate reports to experian I paid the extra {$10.00} after I had paid {$70.00} as NY minimum payment from XXXX is less than {$70.00}. 
XXXX XXXX received a claim disputes from banks for the XX/XX/XXXX till XX/XX/XXXX they reported to credit bureas that I never paid, XXXX  XXXX refused to respond to my banks filed claim since XX/XX/XXXX but wrote the attached mail to me threatening me to ask my banks to write with their letter heading and state that payment was reversed in error before the remove XXXX negative remarks on my account. The also adjusted the account from {$1600.00} as reported on XXXX and others screenshot attached to {$1900.00}. 
XXXX, I had paid over {$1500.00} to this credit limit of {$2000.00} which was reported to credit XXXX as ended at {$2000.00} and on XXXX  XXXX XXXX  {$2000.00}. 
XXXX, XX/XX/XXXXXXXX XXXX XXXXXXXX add a hidden charge the tagged past due of {$29.00} and it was brought forward every month and I asked the bank to explain it but they refused. 
XXXX, my interest XXXX from 28 % to 30.94 % and XXXX XXXX increases it every XXXX. 
XXXX.i got XXXX  XXXX mail at my mail box with minimum payment of {$120.00} for month of XXXX and on the App minimum is {$190.00}, why on credit burea is {$57.00}. 
XXXX. XXXX  on three occasions turned credit education XXXXXXXX  XXXX  because I engaged them for transparency. 
XXXX. XXXX  XXXX did not report my first till 3rd payment to credit bureas till the first payment was made by credit education before the reported the first time in XXXX. 
Kindly find attached the proofs.
Product: Debt collection

XX/XX/XXXX debt appeared on credit report. I do not owe this medical bill. All my medical care is through XXXX in XXXX California, all medical benefits are fully covered no need to go to other medical facilities. Personal information breached in XX/XX/XXXX through XXXX website, this is fraud or identity theft
Product: Debt collection

Under the laws of the Fair Debt Collection Practices Act ( FDCPA ), I have requested for Collection Consultants to validate the alleged debts being reported on my credit report with XXXX, and XXXX I sent them a written request dated XXXX XXXX, 2016 via certified mail, which the online return receipt shows it was received and signed for on XXXX XXXX, 2016. Collection Consultants has not only failed to reply to my request for validation within 30 days of them receiving this request, but have violated federal law and failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

I made a second written request dated XXXX XXXX, 2016 via certified mail, which both online and hard copy return receipts show Collection Consultants received my letter on XXXX XXXX, 2016. I reminded them that their failure to reply to my original request for validation of the alleged debts being reported, nor providing viable evidence, is a clear violation of the FDCPA. As such, I requested for them to validate the alleged debts by providing viable evidence or have the alleged derogatory accounts deleted from my credit reports immediately. As of XXXX XXXX, 2016, Collection Consultants has failed to reply for my request for validation of the alleged debts they are reporting but also not provided any viable evidence to support their claim. 

Please note that Collection Consultants was originally reporting to the credit bureaus the following accounts as being derogatory prior to my request for validation.Since then, Collection Consultants has continually disregarded federal law but has taken the initiative to report XXXX more derogatory accounts to the credit bureaus without advising me in writing as law dictates. I am enclosing copies of my written requests, online confirmation return receipts, and credits reports to support my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a HARD INQUIRY on my TransUnion credit report from a company XXXX XXXX XXXX XXXX from XX/XX/2019. I did not authorize this credit report pull from this company and I want this " hard inquiry '' removed from my credit report at once as it is impacting my credit score due to this fraudulent inquiry. 

I have tried multiple times to get TransUnion to clear up this erroneous, false, and fraudulent information on my report only to get an excuse that it was authorized. 

I DID NOT AUTHORIZE THIS CREDIT PULL. 
TRANSUNION needs to correct what process or system disconnect made this credit pull possible and ensure that this doesn't happen to other people going forward. 

I want this removed from my credit report at once. 
I WILL NOT SEND IN ADDITIONAL INFORMATION via old fashion mail to TransUnion for this issue - they need to allow for real-time resolve to errors that they have made on their part that are impacting a consumer. I want this resolution to be immediate and swift - it has been over a year fighting this to be removed. 

I DID NOT AUTHORIZE THIS CREDIT PULL.
Product: Mortgage

OnXX/XX/2020 I was researching if I should refinance my current mortgage loan. After seeing a company named Figure beat other rates by .5 %, I decided to attempt a pre-qualification for mortgage refinance. My first attempt resulted in a response that my XXXX  Credit File was frozen and Figure recommended that I un-freeze my XXXX  file and try again. I took the necessary steps and got a pre-qualification offer that I was satisfied with. 

The next step in this application was to enter more information about my assets and agree to a hard inquiry to get my final offer. I was soon given a response that I was declined and an adverse action letter created. I read this letter and came to find out that I was declined for a credit obligation delinquency and collateral for loan not sufficient. At the bottom of this adverse action letter I was given my credit score which was over 800 and the date that my report was pulled ( XX/XX/XXXX ). I immediately questioned Figure that my credit score couldn't be that high if I had a delinquency on file and encouraged them to review this response. Next it was explained to me that the actual reason for my decline was because my other credit reports were frozen. My response to Figure is that frozen credit reason was on the other side of the spectrum from a credit stand point and the adverse action letter they sent me had misinformation. 

The next step in this process was me asking Figure to consider manually underwriting my application to which they responded for me to unfreeze my credit report and try again. I unfroze my credit at the other bureaus and went through the credit process I outlined above again with the same results. After questioning the same adverse action letter I also asked if this was a hard inquiry each time to which I was told no, only soft inquires were hitting my credit report. I asked Figure to review what happened and a week later, it was explained that my application was " re-ran '' with the same results. 

Finally I was notified by my Credit Monitoring app that there were changes to my credit report. I quickly discovered that two inquires were registered from this refinance process. The one was on the XXXX and I expect that because I hit submit fully knowing that I was giving them permission. What I didn't expect was for another hard inquiry on the XXXX of XXXX that was the result of Figure re-running my application. I feel like this was a misstep on Figures part and when I reached out about the multiple inquires, I was told that the bureau considers inquiries that close in time as one inquiry but that they weren't sure about that. 

All of this to only come to the decision I received when I first applied for this mortgage product. I was left angry and very displeased with Figure 's answers/process to my credit application. I have not had any contact from Figure since XX/XX/XXXX and don't plan to ever do business with them even with their competitive rates.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 


Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX  TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I opened a car loan XX/XX/2009 with Nicholas Financial for a XXXX XXXX. The loan was for 54 months at the payment was {$330.00}. I fell behind due to my grandmother getting ill and I had to travel back and forth to Florida to take care of her until she became so ill that I had to relocate. I tried to contact them on several occasions to discuss the situation but to no avail. My car was repoed and during the I was dealing with my grandmother I couldn't give it as much attention as I wanted to. However, I did call several times as well as sent a letter. 

Nicholas Financial sold the car in question and then requested an incorrect balance for me to pay. I am now in search to obtain housing for my grandmother and I and due to this incorrect balance/charge off showing it is very difficult to do so. 

I tried to contact Nicholas to deal with this matter but this time all my correspondence came back. Unfortunately nothing Nicholas financial  promised they did. I understand I'm responsible for the loan, but I truly tried to contact them prior to getting behind in my notes, while I was behind, during the repo process and afterwards.
Product: Credit card or prepaid card

I believe Bank Of America is using predatory lending habits with my credit card. I have had my credit card with Bank of America for the past ten years. I recently started closing accounts due to unexplained fees, and continual predatory banking habits with bank of america. I have kept my credit card, and have used my credit card per normal. In the last three months bank of america has continuously lowered my total credit amount, thereby increasing my usage amount, and decreasing my credit score. I have other credit cards that have not done this, and I called Bank of America who can offer no real answer. I have always paid my credit cards, and during COVID a national pandemic, XXXX continue to make payments. I have communicated to BOA that I get paid once monthly, and wanted to change my due date, and they were not amendable. I have even made large payments, and they have counted it against me since I am not making minimum payment amounts monthly. This would only cover the interest rate, and I have in the past paid off my credit card. I wish to report BOA, and want someone to take a look into my account. I know BOA has been reviewed by the federal government for predatory lending especially to minority customers. I feel I am a victim of this, even as a XXXX XXXX during COVID, I wish to report this. Please feel free to call me at XXXX. I have notified BOA that I was filing this report. This has been a long standing issue.
Product: Debt collection

XXXX  days later I have received no responses from them with validation pursuant to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. They had XXXX  days to respond and were supposed to remove from my credit reports until validated. They have willfully refused to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed the inaccurate information with Experian that they are reporting in reference to an account with XXXX. They immediately closed it on XX/XX/2020 with no just cause so on XX/XX/2020 I re- opened it. Unfortunately as of today XX/XX/2020 Experian has closed my dispute and continues to report this inaccurate erroneous information reported by XXXX. XXXX is pursuing me for a {$320.00} early termination fee, however they have failed to VALIDATE the debt. By law they must provide a copy of the contract that I allegedly agreed to whether it was written, verbal or electronic. This is a violation of my rights under the Fair Credit Reporting Act and this false and inaccurate information needs to be removed from my CBR immediately.
Product: Mortgage

I have been working with PHH Mortgage for one year attempting to find a solution for me to keep my home. I have submitted several packages for assistance, one two occasions I was granted a trial modification with a reduced payment and was assured that providing payments were made during the trial period, a permanent modification would be granted. I called to check on the status of my modification request on XX/XX/XXXX, I was told that the documents submitted were not legible and that I would need to resubmit the documents. On XX/XX/XXXX, I received a letter stating that a modification could not be granted because a modification was previously granted several years ago. 

I have been consistently misled, I was told on numerous occasions that if I could afford the mortgage that the mortgage company would find a solution. Back in XX/XX/XXXX, I was assured that my modification request was being reviewed for a modification. I have submitted documentation in a timely manner and have complied with every request. I am now employed and working again full-time and can afford the payments. I am not sure if the breakdown in communication or the conflicting information is a result of the merger between PHH and Owcen. 
What confuses me the most is that I was offered XXXX for a deed in lieu, if the mortgage company has XXXX to give it would be helpful to have that applied to the outstanding balance owed and for the loan to be modified or for a repayment plan to take place. I am extremely disappointed that I have been misled for almost a year. Had I known a modification was not an option, I would have sought alternative solutions months ago. 

XXXX XXXX has responded to each inquiry I have submitted but her responses have been to solely defend the mortgage servicer and not to provide resolution. I am willing to reach out to additional organizations and the media if necessary. I have all letters sent to me by PHH and telephone calls to show that I am providing factual information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts on my Experian reports have factual information that conflicts with XXXX and XXXX reports : XXXX XXXX XXXX XXXXXXXX : ) Experian lists the account as 30 days late in XXXX XXXX XXXX and XXXX indicate always paid current,