23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was trying to refinance my home with a new lender, and during this process we found out that we needed to have the Covid relief HUD partial payment paid off before we can refinance. Unfortunately, our current lender Midland Mortgage never claimed the partial payment from HUD and due to this negligence I am now not able to refinance my home before the new lender rate expires. 
I have contacted HUD, who stated that Midland never claim the partial payment and they have no record of such lien. I have tried resolving this issue for several weeks now and just keep getting the round around from Midland Mortgage. I have spoken to several reps and supervisors ( rep XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Loss Mitigation supervisor XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and all I get is lies. They claim that they submitted the claim in XXXX but HUD has no record. They claim that they don't know what happened and that the claim is " in limbo ''. REALLY!! Then they claim that they were having problems processing the claim with HUD.???. Today XX/XX/2022 after several weeks OF LIES now they claim that upper management is working on it. I am unable to refinance my home and have lost the rate with the new lender due to the incompetence and negligence of Midland Mortgage.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 as late for any purpose
Product: Vehicle loan or lease

Dear American Credit Acceptance, We are writing this letter to inform you of pending legal actions regarding American Credit Acceptance regarding the status of a loan payoff check. 

On XX/XX/XXXX, we sent refinance paperwork to XXXX XXXX XXXX XXXX XXXX XXXX ) located in XXXX, California, and they received the paperwork in the following days. Then, after receiving said paperwork, XXXX sent American Credit Acceptance ( ACA ) a check for the full amount of the XXXX XXXX XXXX financed through ACA. 

The first check was sent on XX/XX/XXXX, and was credited to the account in question, yet was then reversed for unknown reasons. XXXX sent another check on XX/XX/XXXX, and the check was delivered to ACA located in XXXX, South Carolina on XX/XX/XXXX, being signed at the front desk by a man named XXXX XXXX. 

On XX/XX/XXXX, {$130.00} was credited to the account coincidentally on the same day that the check for {$17000.00} was received and signed for by the aforementioned XXXX XXXX. This is proof that the check in question was definitely received by ACA. 

We have tried to speak to your billing department regarding a lost check that American Credit Acceptance claims to have either never received, or never credited. We have tried speaking to the customer service department, but no remedy could be found.
Product: Credit reporting

In XXXX 2014, I made an online inquiry with XXXX XXXX about whether it would be possible to qualify for a mortgage based on assets and equity and pointed out we would not have adequate income to qualify for a mortgage. XXXX XXXX encouraged us to fill out their information form and led us to believe that it could be possible. They pulled a credit report on us and then informed us we would not qualify for a mortgage because we did not have enough income. I challenged the credit pull they did under false pretenses ( having stated from the beginning that we did not have adequate income and we were seeking an asset based loan ) and they responded that a credit pull would only cost us a few credit points and that all credit report pulls we experience within a 30 day period will not be counted as individual credit pulls. They were incorrect on both accounts. Our credit score dropped XXXX points in that period and there were no other changes to our report. Multiple credit score pulls showed on our account despite having clearly stated before each inquiry that they were not authorized to pull a credit report unless they would be able to lend based on assets, not income. In each case, they pulled a report then apologized when they turned us down for not having enough income. They used deceptive practices and operate with incorrect information about the impact of their actions on someone 's credit score. This probably is something that should be addressed in a class action lawsuit. It happened to us several times in that window by lenders who apologized after the fact. It is clearly a practice they do frequently given how many times they did it to us-pulling a report after being told conditions of authorization then apologizing afterwards when they have learned what prospective client told them in the first place. 

First and foremost, I did NOT authorize them to pull a credit report for an income based loan application. Yes, they did do a credit pull but no, it WAS NOT AUTHORIZED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an EMERGENCY dispute.This needs to be reviewed by a human, and a supervisor immediately..This is a new dispute that will also touch on other violations that is in need of immediate viewing by the staff at XXXXThis is not a duplicate dispute as claimed by the collection agency XXXX XXXX XXXX XXXX do to their immediate actions today to conceal this dispute against them recently in a manner that is profoundly concerning and I feel others may becoming a victim or have been to this behavior and other actions by them -. I chose the closest descriptors to this complaint as the cfpb does not have an option for me to chose coercion against me in a personalized letter to me which is a direct violation of the rules, regulations, laws, ethics and federal agencies as a part here of, have pledged to do after creditors or collection agencies or furnisher that uses any form of communication including, and specifically addressing coercion as one of the most serious violations that a collector could engage and willfully cast upon anyone that has a collection with the so called collectors Company Furthermore, today The same company, XXXX XXXX XXXX, witted themselves in a clever process of spamming replies to CFPB and apparently tagging all responses as duplicates to other complaints that they fell short of, did not resolve, and has not provided one satisfactory resolve to the amount of disputes filed against them - it seems to me that XXXX XXXX XXXX have cleverly learned how to manipulate this dispute process with CFPB as they have for years with the credit bureaus and I have proof that they have perjured themselves many times by supposedly validating the two medical bills in question on my report for years with all three of the major Credit bureaus, according to their many responses to me, but they admittedly told you in a previous complaint that they did not have ang validation documents and they would get in touch with their client the original client and have them send me that informationand guess what- they didnt, but they did send me a letter with content that was wrong, threatening by coercion withs regards to me filing disputes which by the way were all ethical and permitted by law, and now we are bringing to your attention their act of misuse of this CFPB And mountains of proof, I am filing this with CFPB and if the FTC and if this is not addressed immediately I am reporting them to the FBI for the many many issues and their reporting of - to my credit account. I have been more then lenient but the behavior of that company is appealing and is making a mockery out of this entire system and violating my civil rights along the way with no remorse or contribution to the ongoing damages upon me.
Product: Mortgage

As a XXXX XXXX with a 100 % tax exemption due to total and XXXX  XXXX, I am currently facing a significant issue with Newrez, my mortgage servicer. Despite my tax-exempt status, I continue to pay the same mortgage amount as when I initially occupied the property. This situation has persisted despite my proactive efforts to rectify it. 
On XX/XX/year>, I submitted the necessary paperwork to Newrez to reflect my tax-exempt status. However, as of XX/XX/year> - a period spanning XXXX months - there has been no adjustment to my escrow or overall mortgage payment.

My attempts to resolve this matter have been met with what I perceive as evasive responses from various departments within Newrez. Over the course of three months, I have made 6 to 7 phone calls seeking resolution. On XX/XX/year>, I was informed that Newrez refuses to conduct an updated analysis of my account, citing the need for a tax bill to complete this process.

When I questioned whether this treatment was standard for XXXX, particularly XXXX XXXX, the representative merely reiterated that these were the company 's policies. She instructed me to obtain a tax bill from the tax company, despite my explanation that I had already provided documentation of my tax-exempt status. The representative remained inflexible, insisting that this was their established policy. 
This situation is particularly concerning as I estimate that Newrez now owes me over {$13000.00} in escrow funds. Given the circumstances, I am growing increasingly worried that Newrez may be taking advantage of XXXX  like myself. This experience raises serious questions about the company 's practices and their treatment of individuals with protected statuses, such as XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights has violated. 
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 permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX
Product: Credit reporting

I been trying ro get my credit score but when I check it it say I have a thin file but I would really like to get a car out butbwhen they run my credit it says XXXX can you please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being shown as 3 separate collections. This is incorrect. The company intentionally split up the incorrect balances to cause irreparable damage to my credit. The initial balance was {$3700.00}. It now shows that initial collection + two additional collections which equal the 1st balance.

Three negative delinquencies for one incorrectbalance.
Product: Mortgage

On XX/XX/2021 the servicer XXXX XXXX transferred our mortgage to Gregory Funding. 

Mortgage fraud, missing payments and failure to act accordingly with stated operational procedures outlined in CFPB bulletins. Help is needed to avoid foreclosure action by Gregory Funding. 

We have been consistently abused by Gregory Funding. The abuse has reached a point where my wife and myself are under a doctors care. My Mortgage service company, currently is Gregory Funding. The Mortgage account was transferred from XXXX XXXX, and prior Servicer was XXXX. 
Gregory Funding has failed to account for payments made when the account was being serviced by XXXX XXXX. XXXX XXXX and Gregory Funding failed to acknowledge, or allow for the Covid Forbearance, when requested and agreed to by XXXX XXXX. I, my wife, and XXXX XXXX our financial advisor have repeatedly requested a corrected statement of accounts from Gregory Funding and they have refused to provide it, calls to Gregory Funding have not resulted in our request for a corrected mortgage statement, they have refused to provide requested documents related to an unsanctioned refinance by XXXX, they have refused provide an alleged note of more than {$150000.00}. 
Gregory Funding is now threatening to foreclose on my home. They have advised that the date for starting foreclosure proceedings will begin on the XXXX of XXXX. When informed that we were going to file a complaint with the CFPB, we were rebuffed and they mocked our intent to do so. This company has a history of doing this to homeowners, we believe that there maybe a number of homeowners may have been foreclosed due to lack of due-diligence on the part of Gregory Funding XXXX Our research indicated that there have been law suits against Gregory Funding where homeowners were successful and yet we see meaningful action by the CFPB as Gregory Funding mocks and ignores the notice that we intend to file with your agency. When we called Gregory Funding they falsely claim that they are escalating the issue and we continually are connected with the same man who has no authority to act, has very little understanding of the issues at hand, and he repeatedly tells us that it is our responsibility to convince them of our claims. 
Your help is desperately needed in this matter. We are requesting that you open an investigation and require Gregory Funding to provide all requested documents and a correction of their records associated with our mortgage account. We are requesting a stop to any foreclosure action, we are requesting accountability as to our covid forbearance immediately. We believe that some form of compensation should be provided to all homeowners aggrieved by XXXX XXXX and Gregory Funding. 
We have suffered medical issues as well as paying for assistance in this matter. We are prepared to act as class action head for your agency or any law firm willing to take up such an action.
Product: Credit reporting or other personal consumer reports

When i login to the XXXX Report found certain unusual activity with the final reports. 
There are lots of accounts shows which not belongs to me and when i tried to fix it but company is charging XXXXXXXX XXXX  money for that. 
Its totally unfair to me. 

Seeking help in order to resolve the issues
Product: Mortgage

We obtained financing for our apartment, which is a unit in a cooperative building in NY, back in XXXX of XXXX and closed. Ultimately, the debt was sold off to another lender, then to another, before finally being sold again to XXXX ( with our loan being serviced by LoanCare , LLC ). By the middle of XXXX, we had paid off our mortgage in full. At this point, we had tried to obtain a home equity line of credit and discovered that we could not without having the original stock and lease certificate in our possession. 
The original stock and lease certificate is unique to cooperative buildings and serves to provide the holder with the right to live in the unit. Without the original, the building can not authorize the sale of the unit. This was held as collateral by the lender at our closing and should have been released to us upon our payoff of the mortgage. We've had requests in for LoanCare and XXXX to provide us with our original stock and lease certificate for over a year now and have called repeatedly and frequently to get updates, reinitiate request tickets, and have just been given copies ( which are useless to us ). LoanCare and XXXX appear to have no idea of how a cooperative building works and never seem to understand why we need the originals. In recent months, they tell us they understand what we need exactly and continue to provide us with copies. At this point, it is clear to us that they do not have the original document and should be providing us with an affidavit of lost stock certificate to provide to our cooperative building so that they can issue a new one to us. However, they refuse to do so.
Product: Checking or savings account

To whom it may concern, On XX/XX/2022 I received a letter from Chase Bank that they are permanently closing my personal checking and savings account and I must withdraw all my funds no later than XX/XX/2022. 

I called Chase Bank to get a explanation or reason since I have been a loyal customer. They did not provide any explanation and said my account is flagged and I can not open an account with Chase Bank forever. This is very suspicious since I am not involved in any illegal activity, clean credit score history and no criminal records. I have been a Chase Bank member for over 12 years.
Product: Mortgage

I purchased a my home in XXXX, Arizona in XXXX XXXX through XXXX, XXXX XXXX XXXX making weekly payments with no payments missed. Around XXXX XXXX, I started to receive checks from XXXX XXXX XXXX, when I called them to question these refund checks, they then stated that they bought my loan XXXX. I asked them why the did n't assume my loan, they stated that I was not in their system and that my payments were being posted in an escrow account. B of A stated that because they could not assume my loan that I would have to reapply with them and so I did, with one request, reduce my interest rate to something more reasonable. Every month since then, I have refiled as they claimed that they needed either new documentation and or they lost some part of it. In XXXX of XXXX, I discovered that Carrington Mortage now has my loan. I discussed the past problem with a XXXX XXXX XXXX, the gentlemen who called me and he stated that based on the information that he reviewed, he did n't see a problem getting this loan processed. It is now XXXX XXXX, now they claim that there is an issue with my XXXX issuance letter, they are requesting an updated letter for XXXX. I explained to them that I am a XXXX XXXX for life, the original letter is all I have. 

Since this process started with XXXX XXXX XXXX and the fact that they would n't accept payment for my loan, has my credit tied up with this " single '' mark against me. They have tried to Foreclose on my property XXXX times, all of which they withdrew on the date of sale. 

This is my retirement home, I make good money, have always been employed and have set aside a years worth of money to clearly prove that I can afford my home. I even gave them a written offer to which they refused. ( very reasonable, I offered them more than the house was worth@3.5 %, 30 year fixed - they ignored it ) I am not sure what else to do and I need help finding resolve to re-establish my loan and have my credit repaired.
Product: Money transfers

This is about PayPal " Wallet ''. It allows customers to transfer money to and from a linked bank account. However, I was not able to transfer from my bank account to PayPal after numerous tries. Depending on which account specialist I end up talking to at PayPal, I get one of the following two answers to my question " Why am I consistently getting error trying to add money from my bank to PayPal account? '' ( A ) It 's a computer-generated error but it 's not necessary to add money to Wallet because we automatically deduct from your linked bank account if transaction amount exceeds your Wallet balance. 
[ Then what is the point of having " Add Money '' from a linked bank account? If this service does not apply to all, do n't customers have a right to know why? It seems like these people are trained to give canned responses - instead of answering the question, they would respond with " you do n't need to add money anymore since we charge your bank directly ... ''!! They double-down with " it is to your benefit and for your protection '' etc.!! Customers should make their own decisions as to whether a service is to their benefit or not! By the way, they are the worst in terms of being customer-friendly. They sound exactly the opposite '' ] ( B ) Of course it 's possible to add money to Wallet. Let 's do this again. 
[ Then they take you thru a series of security checks related to your publicly available information. After successfully passing these checks, they ask you to retry. Of course it failed! Then they say, well, give some time for computer system to refresh after a few hours. It still failed ] My point is that PayPal has become extremely customer-UNfriendly and they are not transparent at all about issues regarding their products and services. I would rather, and I 'm sure most of their customers would agree with me, see PayPal become more transparent by completely removing " Add Money From Bank '' service and charge the bank whenever a transaction exceeds PayPal 's Wallet balance. Or, if they decide to keep the service, then be forthright with their customers and tell them exactly why they are not able to add money after consistent failures. To me, it appears that they are doing stuff behind the scene that are unfair, unethical and are based on malpractice.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and my personal information was bought and sold illegally because I was a victim of the Equifax Data Breach. I want these items Deleted from my credit reports effective immediately. i am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done absolutely nothing about it. Please help me Delete these illegal accounts from my credit reports. 

THESE ADDITIONAL FRAUDULENT AND ERRONEOUS ITEMS NEED TO BE DELETED IMMEDIATELY : Account Name 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 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 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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX : {$4300.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XX/XX/XXXX
Product: Debt collection

I owed XXXX XXXX XXXX and XXXX on the debt. In 2022 I paid off the sold debt to XXXX XXXX XXXX.. I received a hit against my credit from a new company for the same debt this morning from Radius Global Solutions. I did not receive any correspondence from Radius Global Solutions to discuss or review this information.