23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

-The claim that they dont have enough information gor my disputes. 

I have soent a recorded XXXX hours just on the phone with these XXXX, and have wasted so much time gettting them documents andbthe information they request that I havent been able yo work in 13 months. 
But they dont have enough of what theyve asked for. 
I have literally been in the process kf sending them what theyve asked for the next day after heing on the phone for XXXX hours in a day just teying ti find out WHAT they XXXX want.bthen while sendingbit, have gotten the declined message while they are supposedly waiting for something. 
Ive also sent hundreds of documents through their portal to then be told they dont see any of them. To THEN be told that yes they did have them months later after I was blamed for losing my own dispute. 
Ive had enough of your XXXX lying. XXXX either going to do yiur mother XXXX or youvare going to have teouble where it hurts any human. XXXX be moving to a place very close to yiyr office so i can make sure of it. 

XXXX you and this XXXX response that took you 3 months to send : Experian at its normal self right here. 
" This XXXX take up to 30 days for us to even send a response. That's because we are doing literally nothing at all, and told you these exact same words 2 months ago when we said that our response to the entire thing IS that we are still working on the nothing that we're doing. '' This is 100 % full of lies and receipt like your every day business is. You've given me resultsbofbyou 1 day long investigations that end with " we put a day towards this before, we're not putting more than a day towards ajythjng. '' You also strangely don't address the fact that you denied your own employees dispute cases. All you've done here is pasteba long piece of text about the nothing you've done as it relates to your XXXX job and that is all. XXXX you, you ruin lives qnd enjoy doing so you XXXX piece of XXXX foreigners. XXXX coming to XXXX for my revenge in person. 

You also took 3 months to send this nothing of a response. 
I have {$XXXX} mm in legal assidtance from you and another XXXX mil from discover to use in order to recover my identity after XXXX data breaches in the last tear alone.. I plan on using all of it to sue you knowing that XXXX take 3 months to senf a boilerplate pasted message. XXXX you
Product: Mortgage

I am writing on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX ( the owners ) regarding their mortgage on XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The house has been sold, and XXXX XXXX XXXX, XXXX. was the attorney who handled the closing at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Prior to closing, a payoff letter was requested from the lender by the attorney and the owners on XX/XX/2022 at XXXX XXXX ( the servicer, XXXX XXXX, for PHH Mortgage Services, sent this letter for account number XXXX ). The attorney received the payoff letter on XX/XX/2022 and closed the transaction on XX/XX/2022. After closing, the attorney sent the certified funds for payoff to PHH Mortgage Services with an additional six days of interest to cover any additional time past the payoff date. 
The following week, the check had not been cashed and the attorney asked that we check in with the lender. XXXX called the lender, and the lender indicated the payoff was short {$950.00} due to the fact that the lender had sent an escrow payment to XXXX XXXX XXXX on XX/XX/2022 ( the day after settlement ). XXXX was instructed to wire funds to make up the difference which he initiated with XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. This was approved by XXXX XXXX XXXX 
A week later, the funds were sent back to XXXX, and the certified payoff funds check was sent back to the attorneys office. The attorney followed the instructions again, asking for a new payoff letter and has not received anything to date. XXXX and I ( his Realtor ) called XXXX XXXX at XXXX XXXX today ( XX/XX/2022 ), and waited on hold for three minutes, and then were disconnected after the phone was answered. We called back at XXXX XXXX  and had a 14 minute conversation with XXXX ( XXXX ) who is requesting another payoff letter through XXXX XXXX escalation team. 
A few things need to change within XXXX XXXX PHH Mortgage Services regarding their internal process for handling payoff requests. They may want to consider the best practices of other lenders that do this without issue. For starters, their system should recognize if an escrow payment is being sent within seven days of an expected payoff, forcing it to be kicked out for manual review. Had this happened, the tax payment would not have been sent causing a negative balance. 
These errors have now caused delinquency on both XXXX and XXXX credit reports, which should be removed due to the issues during this payoff. Additional late fees and interest should also be removed.
Product: Mortgage

We closed on our mortgage loan on XXXX/XXXX/XXXX. We have an FHA XXXX loan with Vanguard Funding LLC. We have been paying our mortgage and property taxes every month on time to Vanguard. We began having issues with Vanguard very soon after closing with emails and phone calls going unanswered. Then we received notice that our property tax payments had not been submitted to XXXX XXXX since closing, and that Vanguard had never attempted to make contact with XXXX XXXX to establish an account for our property. We have since had to pay property taxes to XXXX XXXX out of pocket, in addition to what we already paid Vanguard for the same tax periods. The payments made were approximately {$8000.00} in addition to interest that accrued due to Vanguard never paying the taxes. 

We also had renovations done to our home under our XXXX loan. 50 % was disbursed to us at closing and the remaining 50 % was to be disbursed after completion of the agreed upon work. After the 1st contractor completed his work, we were trying to get Vanguard to send us the final draw request for several months. Since then the 2nd contractor has completed his work. We now have contractors asking for money owed to them for services rendered, but Vanguard was not responding to our draw requests so we have had to pay contractors out of pocket as well. The payments made were approximately {$10000.00} which was to come from the remaining 50 % of the XXXX loan. 

We stopped receiving mortgage statements after XXXX XXXX and our XXXX XXXX mortgage check was returned due to the address not being found and no forwarding address left. We then learned ( by XXXX search ) that Vanguard executives are being indicted for fraud by the XXXX XXXX XXXX XXXX NY and Vanguard is no longer operating. 

We have filed a complaint with the NY XXXX XXXXXXXX XXXX XXXX and NJ XXXX XXXX XXXX. The latter agency referred us to your office. 

I have attached documentation of mortgage statements, emails and letters. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX Balance : {$620.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$110.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX ) XXXX Balance : {$570.00}
Product: Debt collection

Hospital bill was placed in collection. I was approved for SSI and had Medicaid covered the charges. I spoke with the hospital in XXXX and again in XXXX giving them my Medicaid number and then again confirming the account had a XXXX balance. After both of those calls, I called collection agency to inform them of the status. They have yet to remove this from my credit report
Product: Debt collection

We opened an account in XXXX. It was around XX/XX/XXXX. It should have included a credit protection option for unforeseen financial economic hardship, which should have been provided to us. I contacted XXXX Bank in XX/XX/XXXX with a letter explaining that our daughter had experienced a extenuating life-threatening medical hardship, which resulted in her being in the hospital and ICU for 34 days. I communicated this in XXXX of XXXX, along with numerous calls to XXXX Bank regarding each account that we had associate with XXXX Bank. In turn, I also raised a customer complaint online as they instructed me to do, however to no avail. No one attempted to help us with this extenuating financial circumstances as result of job lost and my daughter 's life-threatening medical condition. In turn, I continued to receive calls regarding the account. At this point. I have received over 100 multiple calls from different pepertrated numbers from this credit collection agency and others regarding this account, which has caused undue mental stress and anguish along with the other circumstances that occur with my daughter and me experiencing a long term job lost. I am currently seeking work as well. My husband is also a XXXX Vet and we are both XXXX military veterans. We have served our country well. This undue harassment and bias treatment regarding their collection practices is wrong. We attempted to implement the credit protection plan, which would have allowed one up to 24 months plus of deferment/ suppressing monthly payments given the circumstances. Also, overinflated interests and penalties are incorrect as well which they have in the balance from both XXXX Bank and Midland Credit Management.
Product: Debt collection

I have been a victim of Identity Theft. I never lived in XXXX have reports from Federal Trade Commission and the Police to prove that my identity was stolen and I never took out any loans. The debt collection company refuses to have my file reconsidered and removed. I have multiple reports from other banks acknowledging that they concluded investigation in their favour and proved that I was not responsible for those loans.
Product: Credit card

i been with Barclays bank for a long time, and I have always appreciated the good value and service I have received from Barclays. Recently I checked my credit report and noticed a mistake from my current credit card. I was devastated to see a late payment from. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time, this has to 100 % be a billing error. Will you kindly send me? confirmation that this erroneous late payment has been corrected updated to paid as agreed and deleted from my credit report.I would like to remain in active customer of Barclays and will be happy to do so as soon as we get this matter cleared up yeah soap If you believe its correct, I demand : -The date whomever validated it was correct. 
-The method used to validate this Billing error. 
-The name of the person who received the permission to validate this error. 
-The documents used to determine this error. 


I would appreciate if this matter were handled in a timely manner. 
XXXX XXXX
Product: Debt collection

I received a letter of collections from NCS two years after I moved out of an apartment. I did sign the lease for the year in question, however, never received any notice of anything as i had left and my ex stayed in the house. Upon this notice I proceeded to request via call on XX/XX/XXXX of XXXX  a validation of the debt as I never received notice and had no knowledge of what the debt was. I proceeded to send a letter as well to come to a common ground. On XXXX XXXX XXXX I received a breakdown of charges all addressed to the primary lease holder and not myself, which only validated XXXX of the XXXX they are trying to collect on. On XX/XX/XXXX of XXXX  I received a return call from NCS on which I proceeded to inform them I only received 2 pages of the original contract and only see about XXXX of validated charges. I requested the full lease and for them to validate the other charges. XXXX ( the rep ) proceeded to ask me to leave a voicemail for his XXXX in which he would call me back. With no response, I then received a letter in the mail on XX/XX/XXXX of 2023, informing me that due to lack of contact they will be reporting me unless I reach back out. I feel this is incomplete validation of debt. We are going on almost 2 months of not being able to provide me with full validation of the debt. I also feel that I am being threatened during this dispute as I have not received contact upon request. Please help me understand my rights.
Product: Mortgage

I have been trying to modify my mortgage with Ocwen Loan servicing for several years on and off. We claimed Chapter XXXX  bankruptcy back in XX/XX/XXXX, and have never been late or missed one payment on the bankruptcy plan. We did not include the mortgage in the Bankruptcy. During that period, I have had many issues with Ocwen. I had some times of late payments, but in the last two years have paid every single month. We received authorization from the court and my attorney to modify, and provided all the paperwork to Ocwen to allow them to modify the loan in XX/XX/XXXX.-The payments have not been tracked properly by them.-During several attempts to modify, they would put me on a pre-modification plan. They most recent was initiated in XX/XX/XXXX, I signed all the necessary paperwork, sent the paperwork via email, and also paper copy with the first payment one month earlier than due via priority mail and made every "trail modification payment" earlier than the due date. In XXXX, I received notice that all the sudden I was declined due to not signing a second document that they claim they sent me in XXXX. I am 100% sure that I never received that document. So now, at their mercy again, they are starting the whole thing over, sending a statement that I have to pay a balloon payment of over $8000, and saying I can try to modify again.- They took all the payments I made during the trail modification plan and reversed the dates and dated them all for XX/XX/XXXX, saying they are "Suspense" payment.- I called today, XX/XX/XXXX and had a schedule appointment with one of the relationship managers, and she said they had no record of the attorney allowing consent. When I pushed and said I mailed it , she said oh yes we do have it, I will have to send it to review and you can call back again. ( Every time I call I am on hold for several hours, yes hours)-They cut off my ability to pay online, so I was forced to mail the payment, because I know how they operate, I sent my payment prior to the due date via priority mail several times, so I had tracking. I have record that it got there prior to the due date multiple times and the payment was held well past the due date before they deposited it.-Every time I call there is a language barrier, and I have to repeat myself several times.They often disconnect me, and say that I will have to reschedule a call, sometimes not being for weeks away.- I have never had a conversation where I feel like I am being heard or clearly understood by them, it always a repeat of steps that always end up getting back to where I started with no resolve. I am aware that I am not alone with these issues with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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: Student loan

In XXXX, a young, XXXX, and naive XXXX year old signed a few private student loans through Sallie Mae ( now Navient )  for a GRAPHIC DESIGN degree. That XXXX year old was me. One of the loans I signed was for {$33000.00} at 10 % interest rate ( that should be criminal that they let me do that ). From XXXX to XXXX I went through a series of forbearances and deferments to avoid paying the loan because I couldn't afford too. In XXXX I ran out of ways to defer the payments. This is when I went on a rate reduction program through Navient. I was only able to go on this program because I complained through CFPB ( so, thank you for that ). Once I got on the program ( through Navient ) I was good to go. They reduced my interest rate down to 1 % ( my balance was almost $ XXXX ) reducing the rate to 1 % was perfect. It lowered my payment down to {$700.00} a month AND money was actually going toward my principal, which was great. Fast forward to today. They apparently initiated something to where my rate is now 5 % and it's interest only. So, I'm getting no where with paying down my loan and paying close to {$900.00} a month. The payment is too much and I need some of that payment to go toward principal. I tried talking to someone at Navient about it but they stated they weren't able to do anything. AND that amount it going to keep going up every 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and XXXX  received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019 and postmarked XX/XX/2019. According to the Fair Credit Reporting Act, XXXX  failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

Experian On XX/XX/2019 and XX/XX/2019 I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. XXXX  received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. Instead of providing me with the procedure used to determine the accuracy and completeness of the disputed account, I received a letter stating that they will no longer investigate the account. Experian failed to provide me with the procedure used to determine the accuracy and completeness of the disputed account. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

XXXX  On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and XXXX received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019. According to the Fair Credit Reporting Act, XXXX  failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint over items that are not mine. I have a fraud alert that I thought would stop people from pulling up accounts for business. I have some unknown inquires that I am really confused as to how this keeps happening!!! Please delete the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX /XXXX XXXX. I demand to see the name address and ID used to apply for these accounts for business.604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general.
Product: Debt collection

I received a letter from a debt collector named XXXX XXXX at Advantage Assets regarding an old property I no longer owe. They have seized my bank account. However, after further investigation, I discovered that the XXXX XXXX XXXX XXXX ( XXXX  ) does not require payment to settle bench or jury warrants, and any such demands from the XXXX should be reported as scams. 

The documents I received from XXXX XXXX at Advantage Assets are stamped with XXXX in red letters on the XXXX XXXX XXXX sales website XXXX XXXX XXXXXXXX I plan to contact my bank tomorrow with this information and will notify them that a fraud report has been filed with ConsumerFinance.gov.