23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage forbearance ended on XX/XX/XXXX. 

I made my XXXX XXXX payment. 

On XXXX XXXX I contacted Freedom Mortgage loss mitigation with a PDF letter that arrived with them also as a verified tracking letter on XXXX XXXX. 

I informed them that, since my mortgage is a XXXX XXXX, I want the balance added to the end of the loan, as provided for in the CARES Act. 

I sent them money to bring my escrow account up to date. 

The company refuses to acknowledge that I have the right to add the forbearance balance to the end of the loan. They have not responded to the substance of the letter. 

Instead, I am receiving letters that show {$17000.00} past due. I am receiving RoboCalls where the caller asks for my social security number. When I call to talk to someone, which I have done a dozen times, I am on hold for 45 minutes before I hang up. 

I want Freedom Mortgage to acknowledge that eligible and qualify for the CARES Act deferral. 

I want that in writing and I want the harassment to end.
Product: Credit reporting or other personal consumer reports

Experian is inaccurately reporting a XXXX card account on my credit report. This account and its balance do not belong to me. This is a clear case of identity theft and fraud, and I have submitted reports multiple times to address this issue. I am formally requesting the immediate removal of this account, as outlined in the attached letter.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Division of Financial Institutions, I am writing to formally file a complaint regarding a personal loan I obtained from Bison Bucks Lending d/b/a Bison Cash, which appears to be operating without proper licensure in the XXXX XXXX XXXX and in violation of XXXX lending laws. 

Below are the details of the loan : Borrower Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Amount : {$620.00} XXXX XXXX XXXX  % Total Finance Charges : {$2400.00} Loan Date : XX/XX/year> Loan Number : XXXX Lender Website : XXXX XXXX XXXX  Tribal Affiliation Claimed : XXXX XXXX XXXX XXXX XXXX I believe the loan violates XXXX law in the following ways : Excessive APR far above XXXX statutory maximum ( currently 28 % for small-dollar loans ). 
No evidence that the lender is licensed by the XXXX XXXXXXXX XXXX XXXX XXXX as required under XXXX. XXXX et seq. 
Attempts to circumvent XXXX law by claiming tribal immunity and jurisdiction, despite lending to an XXXX resident. 
Use of aggressive arbitration clauses and waivers that limit consumer rights. 
I respectfully request the Division investigate this lenders operations and determine whether they are legally permitted to lend to residents of Ohio. I am also requesting assistance in voiding or disputing this predatory loan, and I am prepared to cooperate fully. 

Please let me know if any further documentation is required. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX, ( which is operating under that name, but has a different logo than the real one ), answered my phone call, and after telling me that they had no Maryland office and that I had to come to Delaware, then told me that my request to borrow XXXX was out of the question as their minimum was {$6000.00}. After telling them I did not need that much, I was told it was the only option. I went there and was given a Black computer screen, as she read everything in the contract rapidly, and told me to sign my name on the Black screen. Upon completion, I was told to take the check to their bank and that there was no grace period for payment. upon riding back home, I opened the envelope to read the contract and was shocked to see that it said 119 % interest and payments of {$680.00} per month.
I was so scared. I managed to pay for a year, in spite of all my problems, but in the interim, lost my home, and suffered many things including lack of meals and proper food. I am still displaced. I feel that this company took advantage of a XXXX, Female, Senior citizen ( XXXX yrs old ), and that I am a victim of predatory lending. They have harassed me with calls, and I offered to do a settlement, which they never got back to me on. They have my title, and they want {$10000.00} plus the {$6000.00}. in full. I have paid them over {$8000.00}. Please help me with this.
Product: Mortgage

Our mortgage was sold to Greentree from our previous lender. They have the loan less than a month and we are being harassed with up to XXXX phone calls a day and numerous letters stating we owe over {$9000.00} and they are moving forward with loss mitigation. We have never - in the XXXX years we have owned our home- missed a payment and have paid our XXXX payment on time to Greetree XXXX I want to join the class action suit against them immediately. We have provided all proof of payments to previous lender and Greentree says they can not verify them and are threatening further collection action. This is harassment and illegal.
Product: Credit reporting or other personal consumer reports

I was victim of identity theft and I need to immediate review all my upload support documents below. 

Please remove the following incorrect mailing addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove the following employment info from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following inquiries from my credit report Transunion : XXXXXXXX XXXX XXXX XXXX Please remove the following fraudulent account from my credit report : I XXXX XXXX Filing this adavit Complaint to report fraudulent accounts on my credit reports resulting from Identity theft. A collection Account under 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 

I demand all this fraudulent Accounts be block and remove from my Credit report underPursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt CollectionPractices Act ( FDCPA ), FCRA 605B ( 15 U.S.C. 1681c-2 ).
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts to rectify this situation, these fraudulent items remain unaddressed, causing me substantial XXXX and financial XXXX. I would like to provide a brief overview of my efforts to address this matter : I first became aware of fraudulent items on my credit report and financial accounts. I immediately took steps to report the fraudulent activity to the relevant authorities and my financial institutions. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report and have not been adequately addressed by the credit reporting agencies or the financial institutions. This ongoing issue has caused me significant XXXX and financial XXXX. I trusted that, as a victim of fraud, I would receive timely assistance and support from the relevant parties. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report and financial accounts. Kindly help me remove the following items immediatelyXXXX 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 card or prepaid card

On XX/XX/2022, I reported the numerous fraud charges on my business credit card. On XX/XX/2022, I filed a fraud police report with the XXXX XXXX Police Department ( XXXX ). A copy of the police report attached hereto. On XX/XX/2022, I recieved a Bank of America ( BofA ) letter dated XX/XX/2022, confirming that the charges on my credit card were indeed fraudulent charges. I have continued to recieved fraud charges on my credit card that were reported to BofA and the XXXX. These fraud charges are the carry over that BofA failed to count as fraud charges. I have called BofA on numerous occasions to advise BofA that the left over fraud charges and finance charges of {$480.00} are part of the fraud. BofA has refused to call me or communicate as they are trying to have me pay for fraud charges they have confirmed are not mine. Attached hereto are letters and affidavits indicating charges are fraud. I am being threatened with a charge off and damaging my credit report due to the fraud charges,
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXXXXXX XXXX XXXXXXXX - XXXX - {$4400.00} XXXX  - XXXX - {$10000.00} XXXX XXXX - XXXX - {$17000.00} XXXX - XXXX XXXX XXXX, XXXX XXXX - XX/XX/year> Also Known As : XXXX A XXXX Also Known As : XXXX, XXXX, XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX XXXX Employers XXXX XXXXXXXX XXXX XXXX Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number. 

XXXX fraudulently reported accounts and 2 inquiries on my credit report. 
* Creditor : XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX Experian fraudulently reported accounts and 4 inquiries on my credit report. 
* Creditor : XXXX XXXX on XX/XX/XXXX * Creditor : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX XXXX fraudulently reported accounts and 2 inquiries on my credit report. 
* Creditor : XXXX on XX/XX/XXXX * Creditor : XXXX on XX/XX/XXXX
Product: Debt collection

Hunter Warfield is attempting to call me, my husband, and my family members, who all rented a home together in XXXX XXXX, Utah, to collect a fraudulent debt made up by XXXX XXXX  XXXX. We rented this home from XX/XX/XXXX to XX/XX/XXXX. The home needed many upgrades and had miscellaneous damages throughout from the first day of our tenancy made by prior tenants. We wanted to rent anyway however because we wanted to live with my parents all together and have the privacy of a home for my children. The home was originally rented to us through a different rental company, XXXX XXXX XXXX. This company was aware of the state of the home upon our move-in and made efforts to contact the owners for things like paint touch-ups for the numerous patched-up holes in the walls as well as the state of both the back and front yards. These efforts were denied and the owner never came to make any repairs or get the yards tamed for us to even begin doing it ourselves. We were told by XXXX that the owner bought the home " site unseen '' and that he was " hard to work with ''. Both yards were extremely overgrown and had a large chicken coup full of spiders and XXXX. After it became apparent that no one was going to maintain this home or get it in a more livable condition for us we took on tackling those things ourselves, we rid the backyard of the coup got it cleaned up, and did our best to maintain what was a huge neglected part of this home. We were eventually told that in XXXX of XXXX XXXX would be taking over our lease, they then came to do an inspection beforehand on or around XX/XX/XXXX. This was filmed by XXXX, as we did the walk through together my mother and I told their agent about the miscellaneous damages etc throughout that had already been present from our move-in. The company refuses to acknowledge and adjust the ledger for move out repairs citing {$4.00} in " move out repairs '' that have never been explained as well as a charge for {$410.00} for plumbing repair when there was never an issue with plumbing during our tenancy. They need to go back in their records and review the video from XXXX XXXX and listen and watch as their agent goes through and we list off the issues already present within the home and adjust their ledger to reflect what is truly owed by me and my family. Hunter Warfield needs to verify the validity of this debt before attempting to charge us for it. We have asked numerous times for an itemized list of why these charges are what they are. These are fraudulent and untrue charges on both XXXX and Hunter Warfield.
Product: Mortgage

I submitted a clients packet twice, the third party authorization was sent over three times via the fax number ( s ) provided by the customer service representatives. The last customer service representative XXXX, informed me to resend all of the documents to ANOTHER fax number. The number XXXX gave me was a completely different number the number the other XXXX XXXX XXXX gave me. XXXX was asked several times if I could speak to the XXXX, or given the managers phone number or email XXXX refused. XXXX finally said this is n't the " place '' you emailed those documents to, let me transfer you. '' I was then transferred back to the Receptionist who transferred me to XXXX who informed me his manager XXXX XXXX was not available. I explained to XXXX that I had forwarded the RMA to them three times. A clients personal information was sent via FAX three times and was transmitted to someone, and I was not going to send that CONFIDENTIAL INFORMATION again until I spoke with a supervisor. I then asked why are the CSR 's NOT giving out the same fax number? He said he does not know, he then placed me on a brief XXXX minute hold and told me to MAIL a complaint to Nation star Mtg. LLC and rattled off their physical mailing address. I then asked XXXX XXXX # XXXX to transfer me to the Loss Mitigation Department, he then informed me, '' Although you faxed a loss mitigation packet over as well as a third party authorization, you FAXED IT TOGETHER and the loss mitigation department will NOT acknowledge it/ upload the third party authorization because it was not suppose to be sent to them. '' XXXX was asked to repeat him self. He did just that ... I was instructed to resend both do then asked XXXX to see if some one in loss mitigation was available, ( this call began at XXXX XXXX, as I type I am still on hold, it is XXXX XXXX. ) I was then transferred to a XXXX rep, who gave me another number to fax the third party authorization. Told me she could not help me any further and hung up on me. I then called the client and she was informed by the lender Rep XXXX XXXX that she had not received a submission/RMA from XXXX XXXX XXXX XXXX PA and to resubmit another packet. Attached is proof of transmittal as well as proof of another RMA submitted.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Debt collection

An insurance policy under XXXX was opened under my name starting XX/XX/XXXX and cancelled XX/XX/XXXX for non payment on a XXXX XXXX XXXX of which I have never owned. Policy # XXXX under address XXXX XXXX XXXXt XXXX XXXX, XXXX TX  XXXX which I have never lived at. The non payment debt owed is {$480.00}, and I was contacted by 'Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA XXXX. ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

With XXXX I disputed on XX/XX/year> ally finance report All I got in return was remains on my credit file no true information on why its not being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 15 U.S.C 1681 section 602 A. States I have the 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: Debt collection

XXXX XXXX XXXX Credit Card managed by Comenity Bank they are charging interest on {$0.00} balance accounts. I paid off my balance and received a {$2.00} interest charge. Paid the {$2.00} charge in addition to a {$2.00} late fee and another {$2.00} interest charge, my total payment was {$6.00} ( paid ) then I received another statement for {$2.00} interest charge on the {$2.00} that was paid the previous month. I since closed my account to keep from paying this {$2.00} a month interest on a {$0.00} balance account.
Product: Mortgage

I did a cash out refinance on an investment home. When the mortgage was filed XXXX XXXX by XXXX XXXX and issued by United Wholesale Mortgage they erroneously attached 9 parcels of different properties to this loan resulting in liens filed on those 9 properties. The property tax bills for all parcels were assigned to one mortgage resulting in potential missed tax payments due to them not being mailed to me on properties free and clear of all mortgages and an enormous tax bill for one small home. The enormous tax bill which created a significant escrow deficiency was not enough for UWM to question a possible error or the fact that a small balance loan had 9 different parcel numbers attached to it didn't issue a red flag to an employee. The misfiling also includes a property I no longer own. I became aware of this issue while trying to secure another loan on a different home I am purchasing. While reviewing and submitting current debts to the new loan application they noted seeing an excessively negative balance in my escrow account. I reached out to UWM ( XX/XX/2021 ) and had a customer service rep tell me it was local county issue sending them the tax bills for all 9 parcels and that i needed to contact my local govt tax dept and have them rectify. i also reached out to the loan originator for assistance since she set up the loan. The county tax dept assured me that UWM made the request for all 9 parcels via electronically and then deferred me back to UWM. The loan broker and i conference called UWM to try and gain further understanding. We spoke to a different CSR and they didn't know why and said nothing was in the file. Again we thought we were only dealing with missent tax bills. 
On XX/XX/2021 i received a phone call from my current loan office ( on my new purchase ) to tell me that the mortgage with the tax bill issues has been filed against other properties I own free and clear. The mortgage filed with the county had a incorrect legal description that identified 9 different properties and homes including one I no longer own. The recorded mortgage now is showing a lien on all 9 properties. The LO I am using in my new purchase reached out to XXXX and i reached out to my previous LO who originated my loan for assistance in getting the parcels released with no response for hours. I am under contract and have a deadline to close a loan on a new purchase in 9 days .... my current LO has indicated the possible impact this error could affect me financially in obtaining a XXXX on my new home. I have been bounced back and forth with each pointing fingers at eachother. The issue is a big lender like UWM has no consistent contact or shared dept info or ability to contact them as a property owner for assistance. I have contacted the Title company, the mortgage holder, the county tax dept, the originating mortgage broker, my current loan officer and an outside title company for suggestions on how to remedy this expediently and efficiently. I was told that it could take 1-6 weeks to get a response from UWM by the title person assigned to request a release that will clear the 9 parcels affected.
Product: Credit reporting or other personal consumer reports

I am writing to you to request a goodwill adjustment for a late payment that is on my account from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX. I always make my payments on time and make every effort to fulfill my financial responsibilities, but the past few months have been a hardship for me. At the time of these late payments, I was laid off from my job due to unforeseen Medical issues, and still made the effort to make my monthly payment although I am still out of work. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicate of my actual historical creditworthiness. I have been a happy customer since XXXX and I hope to continue a long relationship with your company. I hope that you are willing to work with me on erasing these marks from my credit reports. I am now trying to find an apartment and lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments. I understand that according to federal law 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law IS U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why Kik Off is heads above the rest. I look forward to your reply. 



Very Hopefully yours, XXXX XXXX XXXX