23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had ongoing issues with HFC and they remain unresolved : 1. I am on a approved temporary modification and applied for a permanent modification. I have been denied even after my appeal. The reason HFC gives is my income is too high. It is the same income that they used to approve my modification in XXXX. I followed the appeal process and asked for the real reasons for denial. I was provided nothing! Just the same baseless reason of income. 
2. I requested on XXXX XXXX, XXXX a complete printout of my payment history since the inception of my loan. I requested this as I was to see how my payments have been applied. I have over {$15000.00} in deferred interest and I want to verify how that balance came to be so high. I have still as of today not received my payment history request. I have made this same request of other lenders and they provide the request within a few days with no issue. 
3. I received in the mail the other day a corrected XXXX Interest statement form from HFC. This is XXXX XXXX and they send me a corrected interest statement stating " NO INTEREST PAID IN XXXX. '' How could I have paid no interest? I am on a loan modification with a 2 % interest rate. My payments were spread between interest and principal. I have already filed my taxes and now out of the blue I get a corrected XXXX? There is no letter or explanation for this corrected tax form. 
4. Since I requested the payment history once again my account is locked. I ca n't see what I owe. I have not received a bill for XXXX XXXX. I do n't understand why when I request something my account is instantly locked? I have received no phone calls and still after 74 days not a simple payment history. I am requesting the payment history so I can have it reviewed by a professional. I do not trust that HFC has acted in a honest manner with my account. If there was nothing to be found then why does it take 74 days and counting for a payment history? Why do I receive in the mail a corrected XXXX? 
5. I have not received a bill from HFC for this month ( XXXX XXXX ). My account is locked so I ca n't view the bill and no bill has been mailed? 
6. Every dealing I have had with HFC/Beneficial/HSBC or whoever they are has been just like this. They appear to be able to do whatever they please with no regard for the consumer and what it is like to be on the receiving end of this constant, never ending harassment. 
I trust that eventually my cries for justice will be heard.
Product: Debt collection

This company is repeatedly calling my sister at the phone number I provided on the previous page. I first returned the call from her number and then from my own. They were asking for personal information to verify my identity but they refused to tell me who the company was. I explained to them that my attorney advised my sister to file a police report for harassing phone calls and for me to file a complaint about them and not to give out any of my personal information, especially since they wanted my social security number. I also told them I didn't know who they were so I wasn't giving any personal information, especially since I believe these calls are related to previous calls to my place of employment and my family members where the individual was pretending to be from the county prosecutors office and said they would be sending someone out to pick me up. Not only at my place of employment but they also told my relatives that they would be showing up to look for me at their homes. I verified with the prosecutors office that this was not the case. After calling to ask they leave my sister alone and tell me who they were calling on behalf of, I was threatened with legal action against my sister and I was hung up on. They have also threatened my sister with legal action although they are the ones who are harassing her.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of serious concern regarding what appears to be numerous, rapid attempts to correct the reporting status of late open accounts on my credit file. While I appreciate the swift action, I am deeply troubled by the frequency and speed at which these corrections are being made, as they seem disproportionate and raise questions about the accuracy of my credit report. 

I have noticed several instances where the reporting status of late open accounts on my credit report has been corrected at an unusually fast pace. While I acknowledge the importance of accurate reporting, the speed and frequency of these corrections have raised concerns about the thoroughness of the review process. 

Despite the rapid corrections, I have not received any communication from your agency seeking verification or authentication of the changes made. The absence of proper verification procedures raises questions about the accuracy and reliability of the reported information. 

I request an immediate and thorough review of the corrections made to the reporting status of late open accounts on my credit file. I seek transparency and assurance that each correction has undergone a comprehensive verification process to ensure the accuracy of the information. 

I kindly request that your agency provide me with a detailed explanation of the procedures followed in correcting the reporting status of these accounts. Additionally, I would appreciate regular updates on the progress of any ongoing investigations into these matters. 

To facilitate your review, I have attached relevant documents. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00}.
Product: Mortgage

I was predatory serviced against, predatory lended against and uncovered money laundering, bank fraud, mortgage fraud. Bank servicers I uncovered later had falsified information on where down payment on property came from. Not from a FHA gift letter. As they said in paperwork on closing. Came from a mortgage loan on another property not connected and funds were then wire transferred from bank to bank and coming back into same bank it originated from. This originated in XXXX to XXXX. When XXXX was going thru a bank acquisition of XXXX XXXX XXXX. And used XXXX XXXX XXXX   papers during purchase. The bank got mortgage back securities from XXXX XXXX and XXXX XXXX as collateral on a falsified note. Title company records from XXXX XXXX XXXX XXXX has loan paperwork. County records can prove that other things took place. Lien deeds put on said property by perpetrator of fruad involvement prior to being hired at bank as a mortgage servicer. And another hired that was family related also involved in the fraud and mortgage predatory servicing.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receiptXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Deceptive advertising, sent pre approval notice, spent XXXX weeks faxing documents, only to be denied without counter offer for loan that fits my income. Bogus company.
Product: Mortgage

I'm a 100 % combat-related, service-connected XXXX XXXX  that has owned and resided in my home since XXXX. 

XXXX  XXXX has a full exemption from property taxes for XXXX with 70 % or more XXXX. My yearly tax bill is about {$10000.00} had I not been exempt I have received exemptions for all years XXXX ( Taxes are billed in arrears ). Penfed Credit union took over the loan in XXXX and honored the exemption till this year. 

Since I have to re-apply for the exemption on a yearly basis, there was an issue with processing it in XXXX. Till XXXX, Penfed has charged me only principal and interest as they should have, however, in XXXX they claim to have paid over {$40000.00} in back taxes to XXXX XXXX XXXX XXXX XXXX making an advance to my escrow balance and charged me the full amount. They have failed to provide any evidence of that payment except from the escorw statement and XXXX XXXX has acknowledged receipt of only ~ {$7000.00} of the {$40000.00} paid. Another ~ {$13000.00} that was paid has returned back to Penfed based on the statements, however, the remaining {$20000.00} has been unaccounted for - neither XXXX XXXX has received it nor Penfed has been able to produce evidence that they've paid in my name. 

I have obtained letters from the XXXX XXXX assessor 's office that I have been fully exempt for all years and have provided those letters to Penfed. The letters and tax bills provided by the assessor 's office claim that my tax bill has been 0 for each year all along. 

I have provided all the evidence to Penfed requesting proof of payment ( cancelled checks, paystups etc ), however, they have been unable to produce that. 

To date, I've paid {$26000.00} towards escrow for insurance and taxes in XXXX - even though I shouldn't have paid anything since I've provided evidence of 3rd party insurance paid in full as well as evidence of tax exemption. 

Penfed has been aggressively trying to collect the balance and has severely damaged my credit score - which has substantial negative implications on my business since I'm in real estate acquisitions and my credit score is extremely important to me. It has gone down from XXXX to XXXX within 3 months. 

They are trying to collect their remaining balance of advance escrow payment ( last bill they sent me was for 18K ). While I've sent multiple communications to them, and spoken to their supervisor, who has acknowledged that there must have been a mistake after reviewing evidence from the assessor 's office - however, this ordeal remains unresolved, with my credit score plummeting as they have been conducting their " research '' to resolve the matter for the past 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, I've been trying to purcase and finance my very first car but my credit is all messed up.. BECAUSE IVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD THE ONLY THING THAT I DO HAVE IS MY STUDENT LOAN THAT I OWE OTHER THAN THAT ALL OF THOSE CREDIT CHECKING PLACES FROM SEVERAL DIFFERENT CAR DEALERS 'I BARELY GOT MY LICENSE LIKE XXXX AGO, THIS IS CRAZY I NEED HELP FIXING MY CREDIT CHECK/SCORE ' BECAUSE IM ABOUT TO LOSE MY XXXX XXXX JOB IF I DONT GET A CAR SOON??
Product: Mortgage

I paid off a mortgage with Fifth Third Bank and the pay off was much larger than the principle. A few XXXX was explained but {$6800.00} was sent to their forbearance department and no one there can explain where it went or what for. Today I talked to XXXX who put me on hold and then XXXX picked up who eventually dropped the call. I used their messaging system and XXXX once asked about the {$6800.00} I accidently lost connection with him. I started, just trying to find out what interest I paid in 2021 and after digging had questions and am not getting any answers or help. It is almost like the fraudulently took the money over and above my payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan account for a car loan, changed my car within 3 days, and created another loan account for a car loan. I have paidoff my car loan in full, and my experimental credit report shows that the first opened loan account is still in balance. This is bad for my credit score. Please check the information and send the correct information to Experian
Product: Credit card or prepaid card

I mistakenly double scheduled to pay my XX/XX/2019 Capital One account balance of {$500.00}. Once I discovered this mistake I called Capital One and ignorantly asked for a " refund '' of one of the {$500.00} that I double paid. Capital One did refund that {$500.00} back into my account with XXXX  XXXX XXXX. Then I get my XXXX statement that shows a " Payment adjustment '' of {$500.00} -- shown as a transaction with the {$500.00} added to the actual purchases I made that month. I called Capital One four times!! and again this morning making 5 times, and all they did was refund the {$4.00} interest they charged me on that {$500.00} they insist I must pay. In today 's call, I learned I used the wrong " terminology '' for asking to have that extra {$500.00} refunded, and he hung up on me. I have mailed Capital One headquarters in XXXX XXXX XXXX Utah, all copies of all bank accounts, card statements and long letter explaining what happened, and all I get is a very lame letter advising " since you acknowledged you received the payment refund of {$500.00} to your bank account and we debited you Capital One account for the same amount. We confirmed the balance owed is correct and as of the date of this letter ( XXXX. XXXX ) the  balance is {$770.00} when I had only made in actual purchased transactions of {$160.00}. 
I am desperate as Capital One refuses to acknowledge they did not { " debit '' my account with the {$500.00}, rather they charged my account with the payment adjustment of {$500.00} as actual purchases when it should have shown as - {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Debt collection

Received multiple calls from person identifying hi self as an agent from Sunrise Credit Services. Purpose of the call was to collect a debt from XXXX. I informed the person that we arent customers of XXXX and that he should provide evidence via email to justify the claim. The information was never provided. In XX/XX/2019, I noticed an entry on my credit report w/o any further communication or provideing evidence of the debt. Highly unprofessional, if not incompetent. Those people/businesses should. Or be allowed to extort and harass people. 
I would appreciate if the agency initiate actions against the company a d stops these practices. It is already extremely irritating to have to even file a complaint like this. 
Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Yes this account was never reporting on my credit before and is now showing late payments. I never agreed to have this account open and have sent them numerous validation letters with no response. They are also currently involved in a class action law suit for falsely opening accounts when they switch over to XXXX. I demand action be taken against this company and my lawyers will be involved the account in question is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with XXXX XXXX XXXX, a financial institution XXXX not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information XXXX be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information XXXX be disclosed or exercise the nondisclosure agreement.
Product: Credit reporting or other personal consumer reports

The Credit Reporting agencies specifically XXXX, Equifax, and XXXX has not required XXXX XXXX to legally verify debts. This company is allowed to present documents with no signature as proof. They have removed information and then put it back on reports. This is also against the guidelines of the FCRA. How is it possible that EVERYTHING comes back verified. Consumers should know that these companies are paid by subscribers including debt collection agencies. XXXX XXXX has been sued and lost several times relating to fraudulent business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thedateoflastactivityisincorrect.Howcanthisaccountbechargedoffanditstillshowingaremainingbalance!Whydoallthreecreditbureaushavedifferentaccountbalances..Ipaymyaccountsonamonthlybasis.WhattheyreportiscompletelyINACCURATE,INCOMPLETEANDUNVERIFIABLE.NotonlyCreditBureausviolatedfederallawbynotproperlyinvestigatingwithintherequiredtimeframe,includingNegligentEnablementofIdentityFraud..XXXXXXXXXXXX
Product: Debt collection

XX/XX/2015 amount owed is {$410.00}. I have filed an identity theft report.
Product: Mortgage

I am XXXX and have been denied for a remodification of my loan. I successfully completed the trial, Unfortunately due to my illness I need XXXX upgraded in my house for my XXXX. During which time, I had to move out of my home and keep up the expenses at my home and still ( rent ) another place, while being on a fixed income. I 've been in my home for 20 years and it is all I have. I 'm asking now that I 'm back in my home, is for the payments that are behind to be put on the back of the loan. I have nowhere to go, Please help I want to keep my home.
Product: Debt collection

The reporting is beyond the time allowed to be reported based on the day first reported as delinquent as per credit reporting law
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her own privacy.

TransUnion is guilty of the infringement upon my Consumer Right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ).

Under the 15 USC 1681b ( a ) ( 2 ) TransUnion did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer report.
Product: Credit card

I did a charge back on XX/XX/XXXX for a XXXX  transaction from XX/XX/XXXX. They processed it. Never heard back. Told me they sent me a letter, and then once I told them I never received a letter, they changed that to " well then it must have been electronic due to you being 'paperless ' ". Goes on to tell me they denied my charge back because I received the services from XXXX. But I did not receive the appropriate services, which is carpet installation WITHOUT harm to my personal property. XXXX damaged my trim to a point of no repair. They even sent their own people out to inspect and he advised they provide full reimbursement for the damages. They still refused to compensate. Therefore, we did not receive services as paid for. Citibank refuses to do the charge back.
Product: Mortgage

Following a refinance in XXXX XXXX, my Loan Servicer did not pay my XXXX Real Estate Taxes from my escrow account in XXXX, the customary time that taxes are paid from escrow. I had an amount listed in the Servicer 's website that provided me with an amount paid in XXXX. On XXXX XXXX, XXXX, The Real Estate taxing authority sent a delinquent tax statement to my home. I researched the Real Estate Tax paid with the taxing authority and discovered that the Real Estate Tax listed on the website was paid in XXXX ( a prior Lender paid the XXXX taxes from escrow ). I have been in contact with the current Servicer and they are making arrangement to pay the XXXX Real Estate. However, I am told that I can not deduct the XXXX Real Estate tax from my Federal Income Tax return since the tax was not paid in the calendar year. This increases my Federal taxes. The Mortgage Interest Paid ( Form XXXX ) did not list Real Estate taxes!
Product: Debt collection

I made an agreement to pay a debt, to Ad Astra, with an initial balance of {$850.00}. Now the collection company say the initial balance was XXXX. I have made XXXX payments since XXXX 2016, each receipt was miss posted at the original company, XXXX. After each payment posted I called Ad Astra, they said the payments posted correctly on their end. All was fine until XXXX XXXX, 2016. That is when they told me my initial balance was {$1200.00} and they did not want to send the recorded call of when the agreement was made. I have emails from XXXX showing the initial balance.