23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was trying to get some assistance with some issues we've been having but I think I've reached my breaking point with you guys. This whole first-time home buyer experience and the lack of respect by trying to offer me a 1-800 number is the final straw for me. I'm just giving you a heads up on my next steps moving forward. I almost am at my one-year mark and was doing my due diligence and homeowner obligations and I hate to admit this but you guys have been the worst lending builders ever. I hope moving forward with your community that you will ensure better expectations for yourselves and provide your customers better service. 

Issue 1 : Water Source. Did we pay for XXXX to come out and put city water? We have a community well shared with 3 lots however one of the residents and the developer have been going back and forth on the sulfur smells. This has resulted in some serious water quality issues and a lack of proper water maintenance. The amount of bleach going into the well is unhealthy for our health and is so strong that you can turn on a sink and smell it through the whole house, it burns your eyes, it ruining our clothes. No one has the knowledge and authority to regulate the well so people are just adding bleach in excessive amounts. However, I will/am going to file a report with the XXXX. 
I also discovered that my sewer sprinklers are not in code according to the XXXX. I have a creek in my backyard and my sprinklers aren't far enough away from my creek so thank you for that XXXX also. I'll figure it out with the XXXX. 

Issue 2 : The Powerpole isn't up to code per the XXXX I guess bluebonnet is responsible for that? XXXX XXXX XXXX who conducted the surveying for the easement. What are we supposed to do about that? 

Issue 3 : My house appraisal value is not accurate based on the provided inspection given to my lender that was performed by XXXX XXXX. 

Issue 3 : The AC and the thermostat, also not in regulation the thermostat is installed too far away from the return air. 

Other issues : Our neighbors home was built and you guys forgot to install water spickets and still haven't addressed this. Their roof was also leaking the first week of living there and it was a new build. the land developer assumed that you guys were increasing the prices on our contracts that he charged you and asked us to see our receipts. For example, the price for the easement was {$900.00} for the fieldwork and {$650.00} for the exhibit. This definitely brings up concerns for us as a homeowner as I'm sure you can understand. 

There are many more issues and concerns but I guess I need to just contact the Federal Housing Administration, the XXXX, XXXX, XXXX, and whoever else I can bring this to attention and ensure that the other 37 lots don't result in the same disappointment as my family has had to suffer. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX 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, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX/XXXX XXXX U S DEPT OF ED/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 USD/XXXXI XXXX USD/XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX Balance Owed : {$34000.00} XXXX XXXXXXXX Balance Owed : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir or madam, I recently did an investigation of my credit report and found 1 incorrect item on my credit report. 

The account XXXX XXXX last reported on XX/XX/XXXX does not belong to me. This account was opened fraudulently and was not authorized by me. I have not done any business with XXXX XXXX XXXX 

I have contacted XXXX XXXX  on multiple occasions to report the fraud and have asked for them to stop contacting me regarding this account as it does not belong to me. The harassing calls all day/night never stopped and now this account is appearing on my credit report. 

I contacted them on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have never done business with XXXX XXXX  AND DID NOT OPEN UP THIS ACCOUNT WITH THEM. I would very much like to ensure my credit report is accurate .Please update me with a full report on your findings. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This account was closed by the creditor on XX/XX/XXXX. My total balance due by XX/XX/XXXX was {$520.00}. On XX/XX/XXXX, I paid the balance in full, which left my account at {$0.00}. After the account was paid in full, XXXX proceeded to apply interest charges and late fees. In XX/XX/XXXX, XXXX reported that the account was late to the credit bureaus. I contacted XXXX to inquire about the charges, which were reversed and corrected due to the account being paid in full. However, no changes were made to the credit bureaus. I completed a dispute with all XXXX bureaus in XXXX, which all were corrected with the exception of Experian, which not only reported I was late in XXXX but reported I was also late in XXXX. I contacted XXXX on XXXX and learned that my account had a credit for overpayment in the amount of {$2.00}. I was told I must email the credit reporting department with the error. I emailed the credit reporting department to be advised a refund was being sent, but a " good will adjustment '' could not be made on my account.
Product: Mortgage

I have repeatedly applied for a loan modification from the servicing company.In XXXX of 2021, I was informed that I had been been approved for a modification, but that the appraisal company was unable to contact me to conduct a valuation of the property, so my file was " cancelled ''. I have applied and re-applied since then without success or assistance. I am XXXX  and I feel that the servicer has consistently given me the run-around due to my poor English skills. 
I am submitting this complaint and am will be retaining an attorney as well.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bank statement, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required document.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

Approximately XXXX years ago my local XXXX XXXX XXXX changed their sponsored credit card from XXXX XXXX XXXXXXXX to Comenity Bank. Since then I have had constant problems with their credit card website losing information for my account, requiring me to use a secondary website to view my balance, or to report a lost password to regain access to the official account website ( note : I did not lose the password ). 
Last week when I attempted to view my current balance, I was refused access to BOTH the primary account website AND the view my balance website. When I attempted to restore the account, none of my identifying information was accepted ( card number, zip code, last 4 digits of my SSN ). 
I would like to pay any remaining charges and cancel this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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: Money transfer, virtual currency, or money service

I had a CD at Marcus ( Goldman Sachs ) scheduled to mature XX/XX/year> for which I gave instructions as follows : close account and transfer proceeds ( {$260000.00} ) to my checking account at another bank ( XXXX XXXX ). I looked online at my account and it appears that the CD matured on XXXX and a transfer initiated. But on XXXX it shows that Marcus reversed the transfer and the proceeds are back at Marcus.

I called to ask why, and the agent after verifying my SSN, birth date and secret word transferred me to " security '' so they could verify my identity. Security asked me the same questions and asked for an alternate phone number. I don't have an alternate phone number. He asked vague questions about prior addresses and major cross streets and then told me my identity could not be verified ; so the fraud investigation department would call me in 3 to 7 business days to send me an affidavit that I would have to fill out and get notarized to prove my identity.

This entire process has not been like any other identity verification process I have experienced at other financial institutions. I suspect Marcus is intentionally bogging down my withdrawal process. When I searched this issue online I see that many others are experiencing the same runaround.
Product: Debt collection

I SENT A LETTER REQUESTNG THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACOOUNTS THAT ARE ON THE AFFAVADIT THAT I WILL ATTACH.
Product: Debt collection

I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. ENHANCED RECOVERY COMPANY
Product: Mortgage

XX/XX/XXXX- Our mortgage loan was transferred from XXXXXXXX to Select Portfolio Servicing ( XXXX ). At XXXX, I had a simple interest loan with a fixed interest rate, and my loan was never modified at XXXX. My XXXX loan origination date was XX/XX/XXXX. During the early years of loan, I accrued unpaid interest called Deferred Interest which had to be paid in full with the unpaid principal balance in XXXX. In XXXX, I paid on the Deferred Interest bringing new balance to {$10000.00}. 

First Complaint. XXXX moved my Deferred Interest balance to Deferred Principal in an attempt to defraud me out of claiming the interest on my tax returns. I opened a dispute which they keep saying the need more time to fix or it is being reviewed. I can never speak directly to a Customer Advocacy person or the same person more than once. 

Second Complaint. After comparing my XX/XX/XXXX statement to my XX/XX/XXXX statement, I noticed XXXX reduced the Deferred Interest balance by {$9800.00} and added the amount to my Principal Balance so now I have to pay double interest on what used to be Deferred Interest. 

Third Complaint. My next due date was listed asXX/XX/XXXX. I made a full monthly payment on XXXX/XXXX/XXXX online at the XXXX website. After numerous calls, XXXX has yet to post my XXXX payment. I have tried to get them to apply theXX/XX/XXXX funds to my XXXX payment, but I keep getting all kinds of stories saying their Cashier is working on it and give it another 3-5 business days. 

Please help.
Product: Student loan

XX/XX/2023 : Got an email titled " Your IDR application has been received '' from Nelnet XX/XX/2023 : Email " No action needed while we process your application '' XX/XX/2023 : Email " Your application status : In process '' XX/XX/2023 : Email " Your application status : In process '' XX/XX/2023 : Email " Your application status : In process '' XX/XX/2023 : Email " Your application status : In process '' The " In process '' emails tell me : Were following up to let you know that your income-driven repayment ( IDR ) plan application is moving up in our processing queue. 

How long does it take to approve my change? Over 2 months seems excessive. I want to get on the SAVE plan, but I think Nelnet is dragging their feet. At the same time, interest is accruing, and it's hard to reach customer service! When I login to the website, it just tells me to check in every 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit account to find that there are a few account that a on my credit report but does not belong to me. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, IL XXXX. I have lived at this address more than 18 years but there are two other addresses listed for places I am not familiar with. I am sending this information to you because Experian does nothing when I contact them and provide the information that this stuff does not belong to me. I have sent all identifying information proving that I, XXXX XXXX is not the person that opened these accounts. I told them the accounts were not mine and the addresses were places that I never lived. Please remove US DEPT of Education, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX. I never completed an application or gave anyone my permission to open these accounts. I have never received anything from these places and I have never been to college. Please take this stuff off my credit because I did not open these accounts. If I had open them and bought things there would bee no issue but bad things are being reported on me that I never got. I am not a third party or did I hire someone to sent you this information it's me XXXX XXXX.
Product: Vehicle loan or lease

I returned my car back to Nissan yet it seems they are reporting a late payment for me in XX/XX/2018. The car was returned prior to that.
Product: Credit card or prepaid card

I have a complaint with this company and would like it reviewed as I feel that they retaliated against me after I filed a complaint. My initial complaint was because of Victoria secret issuing 2 late payments due to their system error and applying a {$2.00} late fee without notifying me. After almost a year they have fixed this issue and in the middle of me filing a consumer complaint they closed my store card causing my credit score to drop XXXX XXXX. Their late payments have already affected me personally and financially now this major drop with my credit score is where I draw the line. I called and asked them why my card was closed they advised me it was due to fraud. I have never placed any fraud alerts on my account I have only frozen my credit score to prevent companies like them for causing unnecessary damage to my credit.
Product: Mortgage

Due to XXXX I lost my job and was unable to make payments on my mortgage. 
I applied yo the Federal Homeowners Reliefs program on 2021 a d was approved. 
I paid two of my 3 trial period payments from XXXX to XXXX this year on time, to my loan company. 
Before my 3 probation payment on XXXX, my loan was sold to RightPath Servicing. I make my 3 and last payment of the trial period on time, on XXXX of this year to RighPath as well and received a notification letter advising me of my final Modification Papers will arrive with in 3 - 10 business days to be sign by me and return it to them. 
Several months have pass since RightPath bought me loan and still I have not received my final documents in relation with my loan modification. 
As we all know home value has considerably increased in the pass years. My home value has double as well. Im still paying a PMI of around or more $ 200 monthly and because I have not received the final documents Im not able to stop my home monthly PMI payments to the loan company.

I have called RightPath trying to get my final documents as soon as possible and they just give excuses after excuses. 
They are to busy, to many loan modifications. 
Its not my fault they do not have enough employees to process all modification. 
Its not my fault they decide to buy all this loans right before the modification documents were finalized. 
The longer they keep those modifications from finalizing they will continue charging for an improper, unnecessary PMI on thousands if not millions of homeowners ( consumers ) making millions or billions at the already stressed out homeowners during and after the pandemic. 
No only that, homeowners insurance have rise above {$200.00} to unknown highest numbers and electricity have rise around $ 200 monthly as well all this increasing a minimum of {$450.00} in the homes monthly expenses already to difficult to keep. 
Until when or how long this Lender/loan Mortgage company can continue elongating the wait of my Final Modification documents? Its over 3 months at this point and Holidays are approaching. We all know things will go even more slow by the end of beginning of the year. 
There is no use of Federal programs to help if the Loan Mortgage companies/Lenders do not care about compliance with the law. 
I believe my modification is taking even longer out of punishment for complaining to them. 
I believe I have been abused and ripe off my rights by this Lender. 
I need answers and not precisely excuses of them been to busy. 
I need the PMI of my payments asap to be able to keep my home. 
Please do something My name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX Fl XXXX My loan information is as fallow Right Path Servicing Loan Number : # XXXX MAILING ADDRESSES FOR PAYMENTS RightPath Servicing XXXX XXXX XXXX XXXX XXXX TX XXXX FOR OVERNIGHT MAIL RightPath Servicing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX NOTICE OF ERROR/REQUEST FOR INFORMATION, complaints, request for information or other qualified written requests Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Fax XXXX Thank you
Product: Credit reporting or other personal consumer reports

I the Creditor Conn Appliances Inc with address of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX last week on or around XX/XX/2023. I advised a representative on a recorded line that the reason for my call was that I had noticed on my credit report from XXXX, XXXX and XXXX they had reported account # XXXX was reported as a charge off and also showing a balance for {$4500.00}. I requested the Creditor Conns to send me a 1099-C form since the had charged off them account. I kept getting transferred and the last representative. I spoke with said the debt was now being handled by a 3rd party. I advised Conn Appliances that I never signed any contract with this 3rd party, neither did I authorize the 3rd party to handle this account. I also never authorized my account to be reported to Credit Reporting Agencies verbally orally or in writing. I advised that IRS guidelines require a creditor/lender to provide a 1099-c form for any forgiven/written off/discharged over {$600.00}. I also contacted XXXX, XXXX and XXXX and disputed the accuracy of this charged off account and requested it be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.