23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I entered into a mortgage at a 20.70 % interest rate I have tried to work with the company.They put a block on my account when I was only 60 days behind .They foreclosed on my property but had to reverse it because they didnt notify us .The loan was in negative embolization From the beginning which they are designed to fail.
Product: Debt collection

I recently received a writ of execution for my personal residence and personal property for a paid in full mortgage and a debt not owed. ( See attached XXXX XXXXXXXX XXXX documents. In XXXX of 2015, Dyck-O'Neal 's attorney debt collector filed a writ of execution for unoccupied, unencumbered Real Property but failed to pay the Sheriff to finalize and collect his judgment. Now, instead of refilling his writ of execution for the previous, unencumbered and unoccupied, real property worth far more than its illegal judgment, XXXX 's counsel has decided to harass and attempt to forcibly take our occupied home where I take care of my ill mother solely to harass, abuse, and extort money not owed. Our personal residence has two mortgages which encumber or secure the property for the amount it is worth placing mortgagees, including XXXX XXXXXXXX XXXX, XXXX, in jeopardy to an illegal debt collector extorting us for money owed. I have sent an offer again to the illegal debt collector 's counsel for clear and free, unencumbered unoccupied, real property or raw land, previously sought by writ by the illegal debt collector 's counsel, but the attorneys will NOT respond to any messages to settle the illegal debt for money not owed using my unencumbered and unoccupied real property previously sought by the illegal debt collector 's counsel for money not owed. How do I stop the insidious harassment of attorneys who will NOT stop threatening us because we reported their crimes of using fraud to extort money not owed? Failing to act on the original writ, causing three ( 3 ) more years of interest to add up on the illegal judgment, is another crime of abuse, harassment, and extortion for money not owed. In 2015, I filed a Quash for the property writ, in opposition Dyck demanded I give alternate property to the sheriff and therefore I was Denied. At that point, Dyck was able to collect its illegal judgment for money not owed but failed to do so by not paying the sheriff and allowing the writ to expire. The Sheriff said Dyck 's Counsel " NEVER showed up to pay for the Writ of Execution ''. It is illegal to harass us by now choosing our residence which fully encumbered, serving as security for two loans, one mortgage from XXXX XXXXXXXX XXXX and another private promissory note, while I have unencumbered and unoccupied real property, raw land in the same county, worth far more in value than the illegal judgment? I would appreciate a response to the pressing issue of abuse, harassment, and extortion for money not owed. Thank you.
Product: Mortgage

On XXXX XXXX after speaking with NCHAF about what months were paid on my account, realized they paid XX/XX/ payment and was confused since sent a payment in for {$820.00} to Servisolutions. I emailed XXXX with a copy of check asking for proof my mortgage payment had been applied to XXXXXXXX XXXX and asked why XXXX payment was sent showing not paid to NCHAF . received email .stating they would send me a pay history that reflects these payments never received a pay history in mail. emailed again about the payment, finally responded letting me know since the payment was XXXX dollars short they applied the payment on XXXX XXXX XXXX  to Escrow, P and I and a late fee. emailed them back letting them know that never received a email or statement in mail stating was XXXX dollars short. and it clearly states on there invoice states any partial payments that you make are not applied to your mortgage but instead are held in a separate unapplied funds account. if you pay the balance of a partial payment, the funds will then be applied to your mortgage, also let them know that was a mortgage payment meant to go directly to mortgage payment and from what a attorney spoke to for advice and reading stuff online this is incorrect handling of partial payment. they emailed me stating they had tried calling me in XXXX and they did not know where wanted payment applied and it was XXXX short they applied it to Escrow P and I and, late fee. emailed them back stating funds were incorrectly handled and want funds to go to mortgage payment where it was intended to go. also fully believed was still on forbearance at time let them know should not have recieved a late fee. even though they are stating was no on forbearance at time.
Product: Credit reporting or other personal consumer reports

I believe that under FCRA 605B, any incorrect accounts should be removed from my credit report. Can you look over the documents? Some accounts listed have reporting errors in terms of amounts and dates.
Product: Credit reporting or other personal consumer reports

I was going through my credit file & realized that theres a security freeze on my credit file. I need to unfreeze/unlock my credit immediately.
Product: Mortgage

I FIRST CALLED SHELLPOINT MORTGAGE COMPANY THE LAST WEEK IN XXXX AND ASKED FOR A DETAILED LOAN PAYOFF. I CALLED BACK A FEW DAYS LATER AND WAS TOLD IT COULD TAKE UP TO FIVE DAYS. I ALSO HAD REQUESTED ONLINE PREVIOUSLY. I CALLED A THIRD TIME AND WAS TOLD THE SAME THING. AS OF THI MORNING XXXX I HAVE NOT RECEIVED THE INFORMATION REQUESTED.
Product: Student loan

I am a military Veteran who has been in the process of purchasing a home for me and my kids since start of XX/XX/XXXX. After working with loan officer and to get all requested parts of the process completed for Pre Qual we moved forward and then in XX/XX/XXXX Utah Higher learning reported 90 days late. This came as a surprise and cost of a home for me and my family after reaching out to Utah Higher Learning Education and started an investigation on the reason why the loan was reported late and due to the Cares Act loans was prohibited from being reported late during the pandemic at the time until XX/XX/XXXX until the Cares Act was extended into XXXX. I reached out to UHEAA loans department to try and get this reporting removed and this went through first line reps up to a Supervisor which informed this loan wasn't a federal loan at the time I received around XXXX and due to my filing it should have been removed with XXXX bankruptcy. One first line rep suggest I file their forbearance paper which I did and faxed on different occasions which different reps gave me numbers for faxing for review. At the same time I have started the process for XXXX and XXXX XXXX. I call back again at least once a month up to presence with bankruptcy attorney and loan officer and once the process for XXXX process started my status change and being review by XXXX ( Dept of Education ) The UHEAA reps stated they can't go back and update the reporting late error in XX/XX/XXXX and the forbearance request will be denied without review due to TPD processing put me in a pending status. The docs I faxed to UHEAA was denied and I lost on the home and now in a month to month process where me and my kids can end up homeless and due to VA loan process the error is creating an issue to move forward. UHEAA loans dept have not change the error reporting late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove unverified accounts from my credit report
Product: Checking or savings account

I opened a XXXX CD with Marcus by Goldman Sachs XXXX XXXX ). The CD matured on XX/XX/28 and my money has not been transferred till date. I have called them at-least 20 times to get the money transferred, however every-time they figure out a new issue and tell me that the money will be transferred in 3-5 days, which does not happen. They do not have a email-id or any written communication to track this issue. I have wasted more than 20 hours of my time chasing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT MY IDENTITY THEFT REPORT TO EXPERIAN NUMEROUS TIMES, BUT THEY NEVER SEEM TO GET ANYTHING IN THE MAIL OR WHEN YOU UPLOAD, TALKING TO THEIR AGENTS SAY WE HAV ENOT RECEIVED ANYTHING IN THE MAIL IF ITS NOT REACHING TO THEM WHY IS IT NOT COMING BACK TO ME. I HAVE ALSO TRIED TO UPLAOD THEY KEEP TELLING ME ITS NOT REACHING TO THEM, I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, KNOWLEDGE.
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXXXXXX XXXX XXXX XXXX XXXXXXXX with Experian. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Experian ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Experian, and XXXX XXXX XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Public Law 90-321 expounds on Title 15 Section 1681 and states consumer credit should only be pulled for Child Support provisions. Finally, pursuant to 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

My student loans have been fully paid amd forgiven and yet Equifax, XXXX, and XXXX still show balances of over {$130000.00}. I have disputed this with them multiple times. I have also called the loan servicer XXXX multiple times. None of the entities will do anything to help me.
Product: Mortgage

This is my 5th complaint about this mortgage. Account number XXXX BOA has attached escrow services to my line of credit. I pay my escrow through my primary mortgage. I have sent BOA a plethora of documentation for years stating my primary mortgage XXXX collects my mortgage. I would like some assistance please. They are telling me I am behind in my mortgage. My payment is XXXX a month and I have paid {$4500.00} to date for this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 DEPT OF EDXXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1681b ( c ), no one has the right to access my credit report without my expressed, written consent. For each of these unauthorized inquiries, I am requesting the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) that these entities had permissible purpose to pull my credit. You are required to provide documentation showing my signature explicitly authorizing these inquiries. Since no such documentation exists, you are legally obligated to delete these items IMMEDIATELY. 

I am also aware of my rights under **15 U.S.C. 1681n** and **15 U.S.C. 1681o**, which detail the civil liabilities for negligent and willful non-compliance with the FCRA . If I do not see these inquiries permanently removed within 30 days of receipt of this letter, I will take legal action against your company and any third party involved for each individual violation. The statute allows for compensation of actual damages, attorney fees, and punitive damages. I will not hesitate to escalate this matter further if my rights continue to be violated. 

Here is a list of the unauthorized inquiry : XXXX. XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Hello, when I checked my XXXX XXXX on XX/XX/year>, I noticed there are multiple names on my account and XXXX  accounts opened without my permission under different name. I contacted Transunion and I told him my account was locked for last XXXX  years and how come, someone could open the account under my name they advise me to send a complaints to CFPB and let them know what happened the last time I open the credit was XXXX years ago through XXXX XXXX, and anything after that is not mine and there are multiple names which now associated with my account, which none of them belong to me would you please remove those accounts from my credit report and please remove the name thats not mine from my report also? My home address was changed also. There are some accounts which shows its closed also which doesnt belong to me please see attached screenshot of all the documents. Thats none of them belongs to me. Please remove all these from my credit report. thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXXXXXX # XXXXXXXX XXXX I asked them to mail me the proof of their investigation and they failed to do that. 

2 ) XXXX XXXX # XXXX XXXX and XXXX XXXX # XXXX I asked to provide statements and records of all payments made and missed since I opened these XXXX accounts and they never sent me proof. They ignore it. 

3 ) XXXX XXXX # XXXX {$2200.00} I never had a contract with this debt collector for any debt I asked to please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. They haven't sent me any proof.
Product: Debt collection

This collection agency on behalf of XXXX is reporting that I owe {$230.00} for an electric bill after moving out of the apartment. Due to the apartment being uninhabitable due to mold. The mold made me sick and I was instructed by my Physician ro move out. I stop living in the residence in XX/XX/XXXX. I have provided medical and lease information.documentation and they refuse to stop reporting inaccurate information or cancel the charges I did not make.
Product: Checking or savings account

Navy Federal Credit Union had charged numerous fees for OD and Oops protection even when funds were soon to be available
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are reported on my credit, without an authorization, please review them, they are hurting me Identity Theft SYNCB/PPC Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
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 are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I purchased Bitcoin through Coinbase almost 5 years ago. When I log on to my same Coinbase account during the past two weeks, I am not permitted to sell ANY portion of the amount shown, an amount I have held since that original purchase! 

So far, the only thing Coinbase has done, a week ago, is suggest I clear Browser History which I did while on the phone with Coinbase. I have a XXXX XXXX XXXX in programming and am familiar debugging computer code. On my own during this time I tried disabling virus protection, using othe PC browers and XXXX, and made other attempts. After over a week of both emails and phone calls to Coinbase ( XXXX ), the latest with a programming supervisor named XXXX, they have not been able to resolve this so called 'TECHNICAL ISSUE '. 

Coinbase 's ACTIONS has now caused a monetary loss and I intend to retain legal action while diligently publicizing the case.
Product: Bank account or service

U.S. Bank allowed an identity thief to obtain a bankcard and checking account in my name 2 1/2 weeks after the bank contacted me and was aware of a fraudulent credit card application attempt. The first credit card application was apparently denied but no further attempt at stopping the application process was in effect two weeks later. The thieves were able to obtain a debit card attached to a new checking account after I specifically advised the U.S. Bank fraud alert department not to allow credit because I did not apply for credit nor did I have any intention of applying for credit. I was told by the U.S. Bank representative that the fraud alert at the credit bureaus was effective in stopping the attempt. Apparently U.S. Bank allowed the credit to go through because the thieves deposited {$1000.00} in a new checking account. The new debit card was used for purchases which triggered an automatic fraud alert telephone call to my house on XXXX XXXX, 2015 so that is how I know it was being used fraudulently. I suspect mail fraud was also involved because the address on the application was not mine.
Product: Credit card or prepaid card

In XX/XX/XXXX, I paid all my credit cards off and stopped using them to build my credit. I have not used my indigo card since paying it off. On XX/XX/XXXX, unauthorized transactions were made on my card that I was not aware of. After I received an email stating that I had a balance and a payment was due, I logged on and after seeing the charges, I called Indigo/Genesis FS Card. I disputed these transactions and ordered another card. Please listen to the recorded calls. On that day, the representative told me to wait 30-60 days for an update. I waited. On XX/XX/XXXX I received another notification stating that I had a balance due. I called to see if I had to pay the minimum amount due while I wait on a resolution/update on the charges I disputed. The representative said, No, do not make a payment. We are working to resolve it. Again, please listen to the recorded calls. The balance was still reported to my credit report. On XX/XX/XXXX, I called again because the account was reported late/past due to the credit bureaus. It caused my score to drop. The representative stated that I was supposed to have been making payments until the disputes were resolved. I informed her that I called in XXXX and was told not to make a payment and now I am suffering because I was misinformed. She put me on hold then she hung up. I called back and spoke to another agent. The agent stated that she see where the previous agent had just disputed the charges on XX/XX/XXXX and that I dont have to make a payment until the disputed charges are resolved! I am XXXX XXXX XXXX and completely stressed out! I was suppose to apply for my new home next week but can not because my credit has dropped because a high balance with late fees and a late payment was reported to the credit bureaus. I am so sad and disappointed because I have been working hard to build and I was given the wrong information and lied to for months. These are the charges. 
Reference Number XXXX XXXX XXXX XXXX Transaction Description XXXX XXXX XXXX  - {$79.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX OH {$1.00} XXXX XXXX XXXX OH $ XXXX
Product: Mortgage

Yesterday, I asked a question in the Rocket Mortgage chat function regarding a potential new mortgage ( second home ). After three transfers, I still didn't have an answer so I gave up. No problem -- just XXXX customer service. 

Today, I've had three phone calls and two emails trying to get me to refinance my existing mortgage. I went online and tried to get it stopped. All I got was more XXXX service. 

I will continue to make my payments on my existing mortgage but I want to stop receiving unwanted solicitations. I've tried marking their communications as trash online but that isn't helping -- and they will occasionally have legitimate reason to contact me via email on the existing mortgage so I can't block them entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with Equifax. checking the information on all my file all data is inaccurate. please review and remove the information listed to help secure the correct data in my file. alot of information is invalid an does not match all credit reports. delete all items listed asap.