23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/year>, I submitted my application to rectify my XXXX plan as needed. In XXXX of 2024, the announcement came out that all recertifications had been extended. In the announcement, it read " if you have rectified and your payment went up, we will revert you back to previous payment '', which for me was $ XXXX monthly. I contacted my servicer which at the time was XXXX and they instructed me they would fix the problem and that I did not have to make payments while they were fixing my account. After repeated conversations, they informed me it would be fixed by XXXX. That never happened and in XXXX, my account was transferred to EdFinancial. After contacting EdFinancial to get this problem fixed, I spoke with agent who kept trying to get me to rectify my payment as an individual to lower my payment amount. I declined this request multiple times. I emailed supervisor requesting my account reflect the correct payment amount of {$0.00}. I was told by XXXX that the increase in my payment was not due to recertification. This was her response " According to our records, the increase in your payment did not have to do with the recertification of your XXXX XXXX plan. Your loan was redisclosed on XX/XX/year> per the Change in Terms letter in the Inbox of your online account. '' While waiting for my account to be fixed by Edfinancial, I noticed in my inbox that on XX/XX/year> an XXXX XXXX was received. I did not agree to nor condone this reapplication nor did I submit this application on my own. I then got a letter stating my new payment amount would be {$1100.00} monthly starting in XX/XX/year> for 12 monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has purposely on a continued basis reported illegal information on my account that has negatively effected my account and my life. I have not given permission to any credit bureau to report any of my information and according to the 15 USC 6802 B I have that right. A collection from XXXX was reported as delinquent which is illegal. My balance on my car balance increased and that dropped my points down by XXXX. My car note is not late nor is there a reason why it was reported with an increased balance but I have not given permission to be reported. There were two fraudulent accounts reported on my account and my credit took a XXXX point plunge. I disputed those accounts because they werent mine and should have never been reported, when the items were removed my points only increased by XXXX points.. Something is not right and I am sure it is the credit reporting agency. Also, my credit scores are at least similar on both XXXX and XXXX but experian is reporting XXXX points less on their end.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have made a complaint before about this U.S. Bank Mortgage Loan # XXXX and still have NOT been able to get a straight answer from the bank about my homeowner 's insurance requirements. When I complained around 6 months ago, the bank responded in a letter to ME AND CFPB that said I NOT REQUIRED to have Flood Insurance AND H06 Hazard Insurance on the Condominium Unit because I have coverage through the XXXX XXXX on the Whole Building. I only owe {$20000.00} remaining on the mortgage. I just called the bank today and they said the bank still requires insurance coverage on the property and they don't have a copy of that letter and need ME to send to them via US Mail, because I can't fax or email them! I faxed 10 times with copies of my current Condominium coverages and they say they don't have anything. Now, I can't fax anything and I  have to pay for postage to send them all the documents I have already sent to them via a secure website they say does NOT work. If I pay off the remainder of this loan tomorrow, I will no longer have any insurance requirement because I WILL OWN THE NOTE! I don't have enough money to pay off the loan now because I lost my job and over {$100000.00} in the stock market because of the Covid-19. The bank has granted a forbearance for 3 months but I am still getting late fee AND foreclosure warning notices. When I called to day they said don't worry about it and disregard. When I login to my account I don't see any late fees and foreclosure messages. So, I guess I am not going to worry about it? I would be lying if I said I am not worried. Please help and this time make the bank keep a record of the response to this complaint so I AM NOT HAVING TO MAIL EVERYTHING TO THEM! Thank you I guess.
Product: Mortgage

I purchased a new home in XXXX XXXX. This home was in foreclosure and was being double taxed due to it not being homesteaded. I understood this at the time. 
I have paid the doubled tax rate for all of XXXX and have now obtained an estimated tax rate for XXXX from the county tax assessor 's office that is significantly less due to the home now being homesteaded. 
My tax rate for XXXX was {$9400.00}. This decreased in XXXX to {$3900.00}. 
My issue is that my mortgage company refuses to accept this XXXX estimate from the county and will only accept the actual tax bill which does not come out until the end of XXXX. 
So, I am stuck for all of next year paying the XXXX rate even though it is clear that the XXXX rate is much lower. 
The mortgage company says all they can do is maybe get a refund if I pay too much into escrow during XXXX. This likely will not happen until XXXX. 
I feel like they are keeping money that is mine. They should adjust my tax rate based on the estimate I received from the county. The county told me this estimate rarely if ever changes and if it does it would be minimal. I have an overage in escrow already of over {$1000.00}. If the estimate does change I would still be covered. I am paying hundreds of dollars more each month on my mortgage payment than what I should be paying but the mortgage company does not seem to care. 
Can you help with this? 
thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Bridgecrest to notify them that I would be late on a payment due to a personal emergency I was going through. I called XX/XX/XXXX and XX/XX/XXXX. The rep that I spoke to assured me about 10 times that I would not be getting a 30 day late notice on my account. Today I woke up to a 30 day late notice on my account. I am in the process of trying to buy a home and this has destroyed my credit score.

Bridgecrest falsely informed me that I would NOT be getting a 30 day late notice. The representative I spoke to today said she listened to my calls and it seemed like a miscommunication on the reps end but refused to remove the 30 day late notice from my credit report. 

I asked for the call to be sent via email for proof that they lied to me and I was told I needed a subpoena.
Product: Vehicle loan or lease

I had a vehicle financed through American Credit Acceptance. I purchased vehicle in XXXX of XXXX. I have made on time payments for the past XXXX years. On XX/XX/XXXX, my vehicle was damaged and was determined to be a total loss. My wife spoke with a representative with American Credit Acceptance in regards to working with both our car insurance carrier and the company we purchased the car from. We were informed that the representative would work on our case and that we would be notified with a decision. We did not hear anything after that point. We are in the process of purchasing a home and on XX/XX/XXXX, we found out from our loan officer that American Credit Acceptance had posted a late payment on my credit report. I was shocked to learn that there was a remaining balance on my totaled vehicle and that a payment was delinquent. I had not been contacted with any of this information. My wife called American Credit Acceptance today ( XX/XX/XXXX ) explaining that we have made on time payments for 2 years and that we were unaware there was a balance owed. My wife requested that the late payment status be waived and removed from my credit report because we have always been on time with our payments. She made them aware that this late payment status was affecting our ability to close on our new home. My wife was told that there was nothing the company could do. The company stated a letter was sent on XX/XX/XXXX explaining there was still a balance. My wife let them know we had not received any letter. If we had, we would have made payments again. The representative for the company acknowledged that we had not received the letter and offered to have it emailed instead. She was then told that we could file a dispute with the credit bureau that could take XXXX business days to resolve. My wife told the representative that the time frame was too long, as we are closing on our new home at the end of the month. The representative stated there was nothing else the company could do. I feel we are being penalized because the company did not follow up with us about our total loss claim as promised. I have impeccable payment history with this company. The " late payment " status is a result of poor communication on behalf of American Credit Acceptance. This decision could jeopardize my family 's housing situation as we must leave our current residence by the end of the month ( XXXX XXXX ).
Product: Mortgage

Re. Ocwen loan No. : XXXX I am behind in mortgage payment for ( 6 ) years I requested several times to Ocwen to help me for modification, and was denied I was treated unfair and Ocwen discriminated me my loan and did not help I offer to keep paying my mortgage ( when in default ) and ocwen did not accepted Ocwen at all times, was acting bad, denying, saying the did not received my information and, not answering my phone calls for the last 5 years I recently contacted Ocwen ( XX/XX/XXXX ) becasue they are selling my house on XX/XX/XXXX and the person from Ocwen was short in telling " sorry I can not help, look for other options ''
Product: Mortgage

COMPLAINANT INFO Complainant Name : XXXX XXXX Residential Address : XXXX XXXX XXXX XXXX, XXXX GA, XXXX Mailing Address : XXXX XXXX XXXX XXXX, XXXX GA, XXXX Home Phone : XXXX Work Phone : XXXX Cell Phone : XXXX Email : XXXX Education Level : XXXX RESPONDENT INFO Respondent Type : Organization Respondent Name : OCWEN Address : XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX XXXX : Phone : XXXX Account Number : XXXX Person ( s ) you dealt with at the company : XXXX ; XXXX COMPLAINT DETAILS Filing for someone else : No Complaint Description : We were denied 2 times for mortgage modifications with OCWEN. We made all trial payments on time. The first modification payments were made through a wire transfer and XXXX claimed they did not receive them and or they were not on time. The second mondifciation we made all trail payments on time, but due to the hurricane. which caused undelivered mail, we did not receive the finalized modifcation packet on time, which had a due date to be returned. The deadline was missed because we did not receive the packet due to the weather. Once we received thte packey I sent it certified and Ocwen took the package and did not sign the certified postage card as acknowledgment of package being received. NO ONE SIGNED THE GREEN CARD, but we received the GRREN CARD back as if Ocwen had signed for it. It had no signature therefore they stated they did not receive anything from us. In addition. we will provided with the wrong mailing address for the final modification package to be returned So, Ocwen attempted to denied the trial modifcation for their error. Once the trail was completed, I became ill and missed the XXXX XXXX Deadline. Our mortage was paid on XXXX. We were notified our modification was cancelled. Ocwen it a FRAULENT COMPANY and are trying to ILLEGALLY foreclose on customers. I did XXXX XXXX XXXX XXXX, who appeared to side with Ocwen and assisted them with the Fraudlent Acts, Ocwen and XXXX XXXX XXXX has caused my medical condition to worsen due to the constant harrassment. I had to pay XXXX per modification due to the home having to load to XXXX XXXX XXXX. It appeared they were changing their amount on customers for GREED. Also, Ocwen increased my Mortgage modification trial from XXXX on the first modifcation to XXXX on the second modication. Ocwen is INTENTIONALLY denying modification based on any factor they can fine, even if you pay XXXX over the modification amount. Also, There are ERRORS in our MODIFICATION PAPERWORK. WE WANT OUR MONEY BACK FROM XXXX XXXX XXXX  BASED OUT OF CALIFORNIA AND OCWEN, in addition to a XXXX payment monthly. 
Joint Account : Yes Joint Account Description : XXXX XXXX, Husband Did you sign a contract? : Yes Amount in dispute : XXXX Transaction Date : XXXX/XXXX/XXXX Attorney Contacted : No Product/Service Advertised : Yes ( Via mail we have no more money to pay for an attorney ) Complaint submitted to another regulator : YES
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

Re : Accounts XXXX XXXX Account # XXXX has violated my rights. 

The credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date of last active is inaccurate, the high credits are reporting differently and the date last reported is also inaccurate. 

This is grounds for removal and they have violated my rights under 15 U.S.C. 1681 section 602 A states I have the right to privacy.
Product: Mortgage

I started a loan Modification about a year ago with PNC Bank. 
They asked for a massive amount of documentation, repeatedly, even tho it was provided numerous times. 
I also had a multitude of Reps, some lasting only a week. 
It was a horrible long process! 
I was in total compliance ( timely manner ). 
My Modification was denied and I had provided XXXX taxes, and my PnLs for XXXX and XXXX ( XXXX taxes not due at this point ) They only went off of XXXX taxes and diluted my income and inflated my expenses, even tho everything was diligently provided. 
I even hired a Mortgage facilitator to help me with the process and make sure things were correct and I would gain the mod, based on my income, but Pnc Bank, picked and chose what numbers they wanted to use, based on a favorable outcome for them! 
I appealed and it was denied. 
They are still not considering my XXXX and XXXX income at this time, which is not in compliance!! 
About to appeal again ( 3rd ) ..hopefully they understand now I will file all complaints necessary, until they follow underwriting guidelines! 
They have Not, to this year long process. 
Its Fraudulent
Product: Mortgage

I 'm very upset! I am XXXX days away from my auction date and my bank is refusing to help me do a short sale on my home. I know that I am allowed a chance! Other short sale negotiators/realtors have told me I have a chance, too. I keep getting told that this is an automatic decline because there is " not enough time to review short sale per investor guidelines. '' I am working with a realtor who is a short sale negotiator and says that according to XXXX and XXXX XXXX, I can start the short sale XXXX days prior to the auction date while according to CFPB, I can start it XXXX days prior to the auction date. My loan is not a XXXX or XXXX XXXX but it 's owned by a private investor, which means I 'm still in the window to start the short sale prior to the XXXX days. I 'm very frustrated! My short sale negotiator is n't able to get anywhere and neither am I and this does n't feel right.
Product: Credit reporting, credit repair services, or other personal consumer reports

KIMBALL TIREY AND ST JOHN, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON XXXX AND XXXX   CREDIT FILES. 
While the account could be properly placed in the public records portion of the credit reports, it is not. 
The account is appearing as a collection and as such it is illegally re-aged.The correct DOFD is XX/XX/XXXX, the day rent was due and delinquent after XXXX that same day. 
To be aged incorrectly by 4.5 months is damaging financially to me.The correct age of the account is 5 years ,4.5 months.When the age of the account reaches 5.6 years on XX/XX/XXXX, the fico affect, a negative affect will be dramatically reduced by the aging process. 
IN CFPB DISPUTES XXXX AND XXXX, the certified court docket provided to XXXX and XXXX was sufficient proof of the re-aging and XXXX AND XXXX   HAD A DUTY, A LEGAL DUTY TO ACT AND DELETE THE ACCOUNT. 
THIS IS THE FINAL NOTICE, THIS IS MAKING A RECORD BECAUSE PLANS ARE IN PLACE TO EMPLOY A XXXX/HR ATTORNEY TO COLLECT DAMAGES FROM XXXX, XXXX AND KIMBALL TIREY ST JOHN, for their consistent violations of the FCRA.Kimball Tirey admitted to verifying this account at least 40 times in the above named CFPB complaint.
Product: Payday loan, title loan, or personal loan

I borrowed {$500.00} from XXXX XXXX loans. Had to have XXXX and was out of work for XXXX months after a car accident. They have had Main Resolution Group Inc call me and threaten me with litigation. They provided XXXX XXXX at Main Resolution Group with my social security number and my bank account number at XXXX. He tried to say my bank account was closed and it is not. They are asking for a little over XXXX now if it goes to court or {$470.00} the next 3 paydays when I make {$1100.00} every 2 weeks, and everything continues to rise astronomically in cost. I have not signed anything Main Resolution Group sent. I just wanted to get them off of the phone. I did not think it was allowed for XXXX XXXX to share my bank account information. Main Resolution continuously threatened me with court and when I was transferred to XXXX XXXX he asks " Is this XXXX XXXX XXXX XXXX '' thankfully it was me on the other end or someone else would have had my social. They have complaints on the XXXX where Main Resolution group does this often to people. The office for Main Resolution says it is in New York, but they apparently use phone numbers from where the person lives, they are trying to reach.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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Product: Credit reporting or other personal consumer reports

In accordance with the fair credit # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan asa late for and purpose.
Product: Mortgage

Ocwen Loan servicing allowed a mortgage to obtained in XX/XX/XXXX by a forgery, I advised them of this when I found out about it, Ocwen has released me from the loan and responsibility of the mortgage. However they only removed derogatory remarks on my credit from XX/XX/XXXX forward, since this loan was a forgery and I was not aware of it, I would like all derogatory marks on my credit report removed from the start of this forged loan as of XX/XX/XXXX
Product: Debt collection

Southern Oregon Credit lied about trying to contact me and my husband by mail and phone. They also lied my husband said he'd pay them XXXX bucks in XX/XX/XXXX and hung up. That is not something my husband does. I got a small claims case against me and my husband last nite and this is the first me and my husband have heard of anyone trying to get ahold of us. They also had the qrong place to send mail so maybe thats where they sent stuff and dont want to admit they sent it to the wrong place. I called today XXXX first thing in the morning to negotiate some payment and They said we have 14 days to pay them almost double of what the medical bills are or we go to court and pay even more fees. They didn't even give me any way to dispute these medical bills as I know for a fact one of them billed our insurance wrong and the other I don't remember going to this place dated from XXXX. Not even a chance to make payments, I have payments with other bills and we make them. Was rude as they had someone come XXXX at XXXX at nite right during dinner time not to mention we just drive back 3 hours from a neurologist for my son. We just went thru a pandemic and everything has gone up so it's hard getting caught up, this place is not empathetic at all. They have a disregard for people struggling. They also have a disposition to call people liers and as a person of God it makes me sick. Not sure who needs to be contacted to clean up this places buisness running tactics and ethics but it sure needs to be done.
Product: Debt collection

I went to apply for a mortgage and there was a collection account reporting on my XXXX  credit report. I have never heard of the collection before, I never received any written notification before it reported on my credit, it just reported. This is not legal. 

When I reached out to the collector, they claimed it was for a medical bill that was unpaid, but I have 100 % coverage on my insurance, so it was either already paid or it was a billing error from the original creditor. 

The collector told me if I paid it, they would remove it from my credit, so I paid them. It's been XXXX months and the account is still reporting on my credit and increased my mortgage payment by {$350.00} per month. I've experienced actual damages from this company breaking the law.