23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nationstar mortgage is trying to force me into an escrow account with them. they bought my loan from XXXX which dummy up an escrow account so they could sell it to nationstar. 
I have not been late on my payments with either company, but their issue is my XX/XX/XXXX taxes which by the way, are paid my me. XXXX county Missouri will accept a payment from anyone on anyone 's account. XX/XX/XXXX, XXXX ( my previous mortgage lender ) made a {$180.00} payment on my property taxes and attached a dummied up escrow account to my loan so they could sell it to nationstar. Nationstar became I loan servicer XX/XX/XXXX. I have never been late on my payments with XXXX XXXX XXXX, XXXX or nationstar. 
Prior to this I did not have a escrow account with XXXX XXXX XXXX or XXXX. 
Ntionstar is now softly threatening me with foreclosure actions if I do n't establish and maintain an escrow account with them. I 've repeatedly advised them that by my contract an escrow account is and has not been setup or will be. I have paid my XX/XX/XXXX and XX/XX/XXXX taxes. I 've requested that if they can not maintain my loan without an escrow account to sell it to someone else. their reply is for me to refinance with someone else. ( money to do so and time I do n't have ). I want XXXX and Nationstar mortgage investigated for predatory lending practices as well as some assistance on how to resolve this issue. 
thank you
Product: Mortgage

On XX/XX/2018 at approximately XXXX I was on the phone with a representative from Freedom Mortgage. The individual asked for my information and I provided it without hesitation. The next thing I tried to do is make a payment for my V.A. home loan, well the representative refused to take my payment. I kindly asked her why, she said we can't take your payment because it's now three behind. My response to her was I always make at least one payment to bring it back to two until I can catch it up. She than became rude and said again in an off tone manner " We can't take your payment ''. I let her know I am on a fixed income because I'm a XXXX veteran. Than I asked to be transferred to a floor manager which I than talked too. He wouldn't work with me either, he kept on insisting that they couldn't do nothing for me at that given time. Both the phone representative and the manager used bullying tactics on me to force me to make three payments totaling XXXX. I expressed too them I couldn't make this payment, so he kept on using bullying tactics by saying you signed the contract and it's your obligation to pay the loan. I than let him know that the loan was included into my chapter XXXX which was closed out in XX/XX/XXXX of this year. I suffer from XXXX and XXXX   which this situation almost put me into an attack. I called back thirty minutes later and another young lady worked with me and accepted my payment. I am filing this complaint because I was bullied and harassed by the members of FREEDOM MORTGAGE! I would like for the actions of these members be brought to light. I've been receiving nothing but harassment and bullying tactics every-time I try to make at least one payment. My rights as a customer were violated under certain protective laws and I hope this issue never happens again!
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. I also was a victim of identity theft by a person who used to do my credit repair and used my information for her own gain. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Debt collection

In 2009 my mom passed away and I received demanding letters from this attorney in my name. This was not my debt but somehow was in my name. I felt that my mom had taken out the cc in my name since she lived with us. Next thing I knew, after disputing this, they were suing me. I was still dealing with my moms death and the lady was nice when I called and said if I just signed papers to not go to court, they would work with me to get me a signature card to see what signed for hte card, So I did that and paid XXXX a month all the while trying to get a signature card. Next thing I know they are garnishing my bank account and I do n't even have a job. Everything we have is what my husb makes. I called and the lady then told me she did n't care, they were doing nothing but taking everything I had. I went to court and Freaney basically told me he was n't working with me, he could do what he wanted. I have sent letters and applied with the group to have the balance written off since it was not my debt. I ca n't even have a bank account because they will try to garnish it. They lied to me and tricked me into signing the judgement and had no intentions of getting me a signature card to see who opened the account. I have no money to try to fight it and I do n't even have a job. They were extremely deceptive and hateful on the phone and basically said they did n't care how I fed my family, they were taking my money and that was it and they did n't have to work with me. It has been a couple of years since they tried to garnish my account and I never heard back from the hardship papers i filed with them. I just need this to be over so I can move on without being afraid of the sheriff pulling in my driveway with garnishment papers.
Product: Debt collection

Account was opened on XX/XX/XXXX. I believe to be a victim of re age debt. It was removed and placed back on report as a new account XX/XX/XXXX. Damaging my credit score
Product: Debt collection

Glasser and Glasser have a pending garnishment in the amount of {$8800.00} for XX/XX/2022. These funds are from a long term disability backpay recently awarded. I have called twice and told there nothing they can do and I just have to wait until XX/XX/2022. I also sent an email on XX/XX/2022 which has not been acknowledged or replied to. 

In summary Glasser and Glasser have put a hold on my checking account in the amount of {$8800.00}. These are my long term disability benefits.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX account with an outstanding balance of {$5100.00} was apparently referred to collection and appeared on my Experian credit report in XX/XX/2024 as a negative item resulting in a significant reduction in my credit score. It has persisted in all subsequent months. This item was disputed for the simple reason that i have never had a XXXX XXXX account. The result of the dispute is that XXXX insists that the information is accurate and the negative item remains on my report. No account information has been provided such as billing address, associated phone number, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit froze the account based on bogus allegations. I have been using the same 2 accounts for over 8 months to pay them before a bill even generates. I've never paid a minimum balance and have always paid in full. they refuse to accept legitimate documents supporting sole ownership of the accounts with no one ever being on the account but me since opening it they refuse to accept original signature card it's almost like they are forcing me to accept allegations with legitimate proof, and it is now affecting my credit score and reputation as well as my future business with other companies which is defamation. please close the account and warn others of their faulty practices. this is a terrible business practice and it's abusive to people that have done everything they were supposed to do. PLEASE FORCE CLOSE OF MY ACCOUNT TO PROTECT MY CREDIT REPUTATION AND PEACE AND RETURN MY DEPOSIT. I do not wish to continue to do business with an abusive company that violates civil rights to make money off others.
Product: Debt collection

They have been calling threatening me with lawsuit and that if I dont contact them I could be sent to jail. They have called 3 people that I dont keep in contact with much, but they were worried and called me to say they were woken up with a man named XXXX XXXX calling them asking them about me. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX-present Ford motor credit continues to report late payments on my account every late payment on my account has been disputed and is not accurate they refuse for removed it and continue to attack my credit. Bring my score down. I am Not able to make payments on the car they have blocked me from paying on the car the car was totally out XX/XX/XXXX has been with the insurance sinceXX/XX/XXXX besides documentation and communication Ford Credit motor company refused to work with me and think i have The car when i do not have the car they contacted me harassing making fase statements on my credit report. 

I am Trying to resolve this matter they should be in contact with the insurance company they have the car and was trying to sell it. They have been calling car shops for the car i never Been too, family members & friends asking about this car i do not have. Constantly reporting late payments constantly making the balance higher fees higher late payments knowing i do not have the car and the car has been a total loss for over three months how is it legal for me to not have the car the car be told to me by the insurance company & ford credit motor company that it is a totally loss yet balance keep going up & they refuse to work with me & any way to resolve this matter. 

I am Trying to figure out where the car is & make payments arrangements & get a lawyer because they are treating me unfairly and stilll harassing Me and reporting untrue things on my credit report. This matter dealing with the insurance company and ford motor credit and  they way they have treated me and how i how Lost my car and independence has send me into a deep XXXX i have been hospitalized they know this and they know I do not have the car they know I am not trying not to pay my car note or avoid payments yet they still call non stop, ask me the same questions over and over again, call my job, boyfriend harass me and send me into a deeper XXXX. 

This is the third car i have Had with Ford i am a loyal customer i have Paid off two other cars drove fords for over 10 years. Was an employee my family has workers there for over 40 years mate over 10 years and this is how they treat you terrible all they care about is money. Said they would waive all late fees they said no we wont they keep saying different things now they are refusing everything and being rude to every one i have had call on my behalf. They know the conditions of the car they know the car is not driveable they know it is totally out they know i do Not have the car the insurance company does! Yet they constantly call me for it i can No afford to pay the whole car note because i still Have to get around but i can Still pay something but they will not allow me to they are being so disrespectful and hard to work with and i dont understand why!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
Please remove these accounts from my credit report, immediately XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # : XXXX XXXX Account # XXXX ******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit reporting

I spent the last two hours trying to get my free credit report online. Every time I finish filling out all the information ( and there is a lot ), I get just so far, XXXX and the computer kicks me out and I have to start over. With XXXX, they wna wanted to charge me because they feel they have already given my " fee report. '' I have a XXXX issue that I need to dispute because it is keeping my small business loan from being approved. I do n't owe XXXX money. 
They failed to credit me for XXXX tablets I returned, then penalized me for going to XXXX Total is XXXX USD.
Product: Mortgage

I lost my job on XXXX XXXX XXXX. I was unemployed with a few jobs in between for over two years. The first year I borrowed money from my parents to pay the mortgage but XX/XX/XXXX I could n't anymore. So I started not to pay and applied for a modification After all this time, I was just notified two days ago that I was declined for every option of the loan modification. My wife who is n't on the loan her income is XXXX a month, and mine is now XXXX a month, I got a job since. They told me that my only option is to come up with the XXXX that I owe in back payments or I can do a died in Lieu, a chapter XXXX a short sale or they will foreclose. As far as I know there has n't been foreclosure date set as of yet. I do n't want to lose my house. I have XXXX kids and it would really not be a good issue. They wo n't do a principal forbearance for me either. I would like to get a principal forbearance so that I can keep my house. They are n't very helpful or responsive. They have been the worst to deal with. It seems like they would rather foreclose then assist us in fixing the issue so we can keep our house. I am hoping that you can assist in getting this done. I really ca n't afford any more losses in my life and this would be devastating. Having a lender that is n't willing to help find an option is really hard.
Product: Credit reporting or other personal consumer reports

Online Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$950.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting. 

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). 

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that Online Information Services and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt Online Information Services claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to Online Information Services for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what Online Information Services claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount Online Information Services claim I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which Online Information Services is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report. 

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account.

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship Online Information Services has with XXXX, and advise how Online Information Services and XXXX gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my consumer report. The alleged collection account is not mine. 

Inaccurate information : Collections ONLINE INFORMATION S XXXX XXXX XXXX940.00}
Product: Credit card or prepaid card

Over the last 2 weeks I have sent several Unsubscribe Requests to Capital One. There are Credit Card advertisements every day that I receive to get a credit card! I don't want a Credit Card, especially from Capital One. Years ago they were very mean to me when I had a hard time financially. I paid off my account to them. They wanted to take everything from me, even my dignity!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I sent a letter to Equifax, XXXX, and XXXX XXXX. In our letter, we disputed several accounts reporting inaccurate information. It was our understanding that the credit bureaus are required to investigate the disputed accounts, and respond back to us within thirty days. Thirty days have long passed, and so far, we have only received XXXX 's responses from XXXX and XXXX XXXX. The other four we should have received have not arrived yet.
Product: Credit reporting or other personal consumer reports

I couldn't view my credit report from TransUnion until XX/XX/2023. I checked my report and I have 4 inquiries that wasn't authorized by me and I don't know where these inquiries came from because I didn't apply for credit with none of these creditors requesting to view my consumer report. The 4 inquiries are 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

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
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 ) ( XXXX ) ( 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$940.00} or XXXX XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$24.00}.