23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name on the mortgage is XXXX XXXX, but my name is XXXX XXXX now. 

I was denied a home modification in XX/XX/XXXX, because I had previously received a modification. I'm working full time now and can afford to pay the mortgage. I spoke with my Bank of America representative XXXX XXXX on XX/XX/XXXX, and she advised me that I was qualified for a repayment and I would have to pay a down payment of {$950.00} and I would pay a payment and a half for 6 months of approximately $ XXXX.She advised me that I had until XX/XX/XXXX, or they would have to recalculate the payments for XXXX. She advised me she would be out of town and would be able to be reached until later the first week of XXXX. 

I called on XX/XX/XXXX, to get my new calculations and she advised me that I didn't qualify for the repayment plan based on my income, but I qualified for the repayment plan for XXXX. When questioned, she told me I was stressing her out, I was being petty about what she was saying to me. XXXX XXXX also told me they didn't have my updated income or budget and they did. 

All of this time I've been talking to Bank of America and trying to get a modification or repayment plan, they never advised me that I was entering foreclosure. I was actively trying to pay the balance off. They never advised me of dual tracking. I called today, XX/XX/XXXX, to pay the balance that was approximately {$2100.00} and she told me I couldn't pay today because I have entered foreclosure. I asked was I in foreclosure on XX/XX/XXXX, when we talked two days before today? She told me no, which I find hard to believe that I'm now in foreclosure. I was never advised these past two or three months I've been speaking with her that I was in foreclosure. 

Now I have to wait until after XX/XX/XXXX, and I'm sure it will include more charges for me to reinstate my mortgage. I have the {$2100.00} and would have paid it on XX/XX/XXXX, if she had informed me I was in foreclosure. 

The problem I had paying my mortgage is I haven't worked full time since XXXX and struggled to make payments. I hadn't made a payment since XX/XX/XXXX because I was raising the funds to pay the past due of the mortgage, but Bank of America never told me I was in dual tracking when I was trying to get a modification.
Product: Debt collection

Team leader XXXX XXXX  at GMFinancial ( ph XXXX   fx XXXX  email XXXX ) Sent me a email on XX/XX/18 informing me that they see my auto loan is delinquent and informed me of the loan will be charged-off and vehicle repossessed, so I need to call to workout the loan. I emailed back and informed that I will call her the next day and what is the best time to call. So, today I get a text from my mother ( who is not a authorized party and her number has never been a contact number of mine ) stating that a person from XXXX XXXX   phone number called and told her that my loan is past due and they will be repossessing my vehicle. I then called XXXX on the phone who was very rude and asked her why did she release my information and she tried to pass me to another person. Her actions really upset me and this turned into a bad conversation. I asked her a few times why she emailed me to work it out and calling my family but won't talk to me about it. She replied " she is a manger and don't talk to customers '' Then she ask where to pick up the car and she isn't going to help any further then she hung up the phone. Then 30 mins later my fiance 's mother who lives in XXXX, Co. ( my mother lives in Georgia ) called and told my fiance that XXXX from GMfinanical called and told her that I am over 100 days past due and they are repossessing my car and to call XXXX  at XXXX. I called XXXX back and asked her why is she calling people and releasing my information after you just spoke with me and that is against the law. Then she said " please hold '' and never came back tot the line. I called back over 12 times and she didn't answer. Overall, they are calling 3rd parties that are not authorized and releasing my information without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under XXXX XXXX XXXX XXXX, specifically section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX. XXXX XXXX XXXX  XXXX - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX CODE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX  Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$2500.00}
Product: Credit reporting or other personal consumer reports

I had a XXXX so I was looking to get a house as well as loan and i saw i had damages on my credit report. I have numerous unauthorized charges and I have tried to get these issue resolved as they are affecting me. I am a single mom and this is hurting me big time I am not able to accomplish anything because my credit report has so many damages. According to the 15 U.S.C 1681 law there should not be any damages on my credit report as a defamation to my character
Product: Money transfer, virtual currency, or money service

I send a money to the wrong person by PayPal and then I tried to request but it doesn't let me do it, so I want to to know if yall can help get my money back from XXXX XXXX
Product: Mortgage

I was offered a high interest only loan to lower my payments from Wells Fargo and it did n't lower my payments and when I contacted them for help they said that they could n't help me until I was late on my payments.
Product: Mortgage

I have a loan through Carrington Mortgage. I use my bill pay service through XXXXXXXX XXXX to make my mortgage payments. 
Carrington will take an extended amount of time to process my payments sometimes up to three weeks. When I call in to inquire about the payments, I'm informed that Carrington does not have my check. 
I will then make the payment over the phone. 
Then, within a day or two the check that Carrington states they don't have will suddenly try to clear my account. Since I just made the payment over the phone this will result in the check not clearing my account. 
Carrington then states that I have bounced checks and I have late payments. I get a charge for a late payment and a charge for a bounced check. 
They do this on the check they state they don't have and I pay over the phone only to have them try to cash that very same check, right after they pulled the funds from my account for the over the phone payment. 
Now my bank ( XXXX  ) has begun sending them payments electronically. Currently, I have a payment that has been pending on my XXXX account for 11 days. Carrington states they do not have the money yet XXXX says they do have the money. This money has been " pending '' electronically for 11 days. 
Also, Carrington now says that due to my " bounced checks '' I have to send everything in as Certified funds which will result in even longer processing times for my payments. 
XXXX  has kindly written a letter to Carrington explaining the funds are sent electronically and Carrington has never rejected the electronic transfer and therefore has the money. 
In the middle of all of this, Carrington has reported me as late, charged me with fees and ruined my credit that I have worked hard to build. 
I am trying to clean everything up and get this account straightened but at this point I feel like Carrington is deliberately trying to ruin my credit, cause me additional fees and try to make this process even more convoluted than it should be. I've only had this account for 4 months and in that time it's been one headache after another. 
Since they have ruined my credit I'm unable to refinance now and I'm stuck with this very shady company. I'm not sure what to do at this point.
Product: Debt collection

I received a threatening email from Frontline Asset Strategies. Threatening to sue me/and or send my account to someone who will if I dont pay an alleged amount owed. 
They referenced account # XXXX from an XXXX XXXX. I have been contacted by FAS previously, they have not described what the debt is for or if it mine. They are threatening to sue if I dont pay by a certain date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kia Disputes Address XXXX XXXX XXXX XXXX : Credit Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX Act : XXXX - Letter of Explanation - SS of Credit Charts XXXX Report # : XXXX Date Generated XX/XX/XXXX I just confirmed today, XX/XX/XXXX, with the collections dept at Kia Financial that the dispute results above were inaccurate. After my XXXX XXXX XXXX was totaled in a car wreck in XX/XX/XXXX, my car insurance wrote a full check to pay off the balance of the car & then I leased a new XXXX XXXX. I do not owe Kia any funds. Nor should this be reporting on my credit at all. The acct was closed and paid in full at the time of my accident in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Debt collection

Upon discovery I noticed that Jefferson Capital Systems LLC is reporting an alleged debt onto my credit report without an active debt collector license required by the NC Department XXXX XXXX to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70. I am demanding that Jefferson Capital Systems LLC along with other company collecting on there behalf such as XXXX XXXX collecting without an active debt collector license required by the NC Department XXXX XXXX to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70 please remove from all credit bureaus cease all communication & collection activity immediately.
Product: Debt collection

Progressive Financial Services, Inc unlawfully and illegally removed my student loan account with the U.S. Department Of Education out of deferment status and seized {$7000.00} illegally and unlawfully from my federal and state tax return. My student loan account is suppose to be in deferment status and I should have a balance under {$2000.00} because I was given a waiver of debt for debt forgiveness. I have repeatedly received phone calls from debt collectors from Progressive Financial Services Inc harassing, verbally abusing and threatening me with harm, death, arrest and wage garnishment.
Product: Debt collection

I don't have account informations, they will not provide me with them. XXXX back refused to provide me with proof of payments. I was trying to get a mortgage at this time and payoff bad debt, they told me they had a order that said they couldn't send me any information, do they refused to send me any records of my payments. My mortgage fell through due to this. 45 days later everything was removed from my credit report then 1 and 1/2 later XXXX of XXXX bank debts came back on my report that I already paid. They sued me for XXXX, so I was forced to pay it again, I have repeatedly yold them I don't owe them it. 
Thank you
Product: Credit reporting or other personal consumer reports

THIS IS A NOTICE OF DISPUTE. RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THIS ACCOUNT TO ENSURE ACCURACY. 

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

We received a credit alert and discovered a charge off collection item for XXXX apartments. We had left them in 2020 and paid all fees with our deposit. We were severely surprised to hear from XXXX that there was no debt owed. Then we spoke to Genesis credit management. They claim the debt was originated from move out. We have never been notified in writing or by phone in 3 years about any debt owed. We want justice served.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for a while with the credit bureaus and Pinnacle Credit Services and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of XXXX but it is still on my credit report. This is over 6 years and should not be reporting per Georgia Statute of Limitations on Debt Collection. In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( XXXX XXXX ). My XXXX and my XXXX credit files are still showing this account despite the multiple disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theseaccounts werealready deleted from my credit report. Why have you re-inserted theseaccounts back on to my credit report? I went online and read the FCRA, and it stated that if you re-insert an account back onto a consumers credit report, you must notify the consumer of this action within five days of adding the account back onto the report. I never received any notification from your company. 

This same law stated that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. Know to avoid me hiring an attorney to enforce my rights, Im asking your company to delete this account at once. Please send me an updated credit report within 10 days showing me that that the account above has been deleted.
Product: Credit reporting or other personal consumer reports

Kindly examine the attached documents provided herein.
Product: Debt collection

First service residential, the XXXX that manages the XXXX building in XXXX Minnesota, failed to send me a bill for {$240.00}. First service residential, the XXXX that manages the XXXX building in XXXX Minnesota, failed to send me a bill for {$240.00}. I was not aware that this bill was outstanding, and they charged me {$40.00} late payments for almost XXXX years and put a lien on my condo for the amount of road. I never received any I was not aware that this bill was outstanding, and they charged me {$40.00} late payments for almost XXXX years and put a lien on my condo for the amount of road. I never received any invoices or notifications of this because they had my name and address wrong in their system. I paid my mortgage and condo fees on time every month. there was never an attempt to call me. I would 've been happy to pay a bill for {$240.00}. It does n't make sense that they would put a lien on my condo without contacting me. I am selling the property and going to settlement on XXXX XXXX and the condo Association has decided to forgive some of the debt but not all they still want legal fees and the lien release of almost {$1200.00}. I would like this to be Association has decided to forgive some of the debt but not all they still want legal fees and the lien release of almost {$1200.00}. I would like this to be thrown out due to a lack of effective communication.
Product: Mortgage

On XXXX XX/XX/year>, NEWREZ made an insurance payment to XXXX insurance from my escrow account for {$3500.00}. I do not have an insurance policy through this company. My insurance company is XXXX. 

On XXXX XX/XX/year> I contacted Newrez escrow department by phone. I had received an email stating Newrez would be paying my insurance premium soon. I told Newrez my insurance payment was not due until XXXX. Newrez stated my insurance policy was through XXXX and due in XXXX. I have never held an XXXX policy. The representative had me email my XXXX policy to XXXX at XXXXXXXX XXXX  XXXX XXXX. The representative acknowledged receiving the email and stated my policy was fixed. 

On XXXX XX/XX/year> I received another email stating my insurance policy was due. i contacted Newrez by phone and spoke to the escrow department and again explained I do not have an XXXX policy. The representative said I do and the company was asking for payment. I emailed the representative my XXXX policy at XXXXXXXX XXXX XXXX XXXX  to XXXX. The representative stated my policy would be updated in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX  XXXX XXXX XXXXXXXX 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

i went on XXXX  to check my credit score and it says that i have a wells fargo credit card i have no knowledge of that accoount i dont have or havent had a wells fargo credit card ever the company disagrees of my complaint
Product: Mortgage

Four weeks ago, I filed for forbearance under the CARES act. I was told I would hear back from the servicer in 3-4 days. Yesterday I received a letter in the mail. It included the offer of forbearance and a contact name and extension ( required by law - single point of contact ). The offer is not in compliance with the law or recent guidance provided by FHFA / XXXX XXXX XXXX XXXX XXXX  statements about forbearance under the CARES act. I called the number on the paper to speak with the designated representative. There is no way within the automated system to input the extension provided. It took me over an hour of fighting the automated system to get a live person. The person who answered told me there was no way within there system to transfer me to the designated person provided on my forms. I expressed my concern that the offer did not match the law and was told that was all they could do. XXXX ( Rep XXXX ) then proceeds to tell me first they can only do what the bank tells them. Then second I could call the bank or XXXX XXXX. I expressed my concern that they were the servicer and had the responsibility to comply with the law. She tells me first she could only do what the bank tells them and then says shes just a little ole loan counselor and she could only do what they tell her. 

First, Loan Care is not complying with federal laws on servicing. There is no way to reach the designated point of contact provided in the offer. The servicer is not complying with the CFPB requirements of single point of contact. The system is setup to avoid human contact and force all customers into a automated system with no way to contact actual employees. 

Second, the offer of forbearance does not comply with the CARES act and is directly contradictory to direct statements from XXXX XXXX and XXXX XXXX recently made. The offer was for 90 days and requires full payment at end of term. 

Third, Loan Care tried to say they could only do what the bank allowed them to do as they were just the servicer. This loan was originated by a community bank many years ago and sold to XXXX XXXX. The bank that originated this loan was top quality servicer. Federal laws resulted in this loan being moved to loan care which is a disgrace. 

The service is terrible, the servicer just blames XXXX XXXX and the originating bank. It is clear from XXXX XXXX letter and the CFPB blog, It is the services responsibility to comply with the law yet Loan Care has not intent of doing so.
Product: Mortgage

I recently refinanced my home loan, the purpose was to escrow my insurance and taxes. Later I found out that was not done, I even asked the notary before my signing. I believe I was deceived and taken advance of because of my age. My payment is higher and my taxes and insurance was not set in an escrow. The company paid the first year of taxes and insurance but told me I would have to pay them back.