23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The servicer, Fay Servicing, is force placing insurance erroneously. The result is that the customer is forced to make a higher payment because they say they are unable to correct it retroactively. This has been ongoing for one entire year. Most recently they sent letters regarding almost {$20000.00} of force-placed insurance, asking for proof back from the beginning of the loan. I have been working since XX/XX/XXXX to correct this. 

The core issue is that the property is multiple units resulting in multiple insurance policies. All policies are current and have never lapsed. I have documented this with them on multiple occasions. However, Fay Servicing never properly matches up the addresses listed on the policies. They then send letters threatening to add insurance because there is no record. There is no way to reach their " insurance department '' and speak with a human. 

Last year I was so frustrated I searched and emailed the CEO and finally got a resolution, after having to send my appraisal and numerous loan documents which Fay should have as my servicer. This year the problem is back and seems to be the result of some sort of simple typo ( not making this up ) in that Fay changed a digit in the address of one of the units from " 2 '' to " 5 '', possibly when they were correcting things last year. They are now requesting a policy for a property that doesn't exist. I have been trying to address this since XX/XX/XXXX to no avail. I have called customer service 3 times, emailed the CEO thread from last year twice, left two messages for the representative who assisted me at that time, and have once again sent documentation of the issue. No one has reached back with a solution. 

My concern is that my deadline was yesterday for the proof of insurance and as of XXXX it wasn't resolved. If they place XXXX of insurance on my mortgage it will be insupportable. I am reaching out the CFPB because I also do not feel this is fair. I have spent over 42 hours between last year and this year on this insurance issue, providing document after document over and over, and it goes into a black whole where they do nothing. I don't feel like they have any urgency to help the consumer which in turn costs the consumer money. I have even wondered if this isn't purposeful as a way to take back property ( since it is a portfolio loan if I am late my interest resets at 30 % as I learned last year ) A $ XXXX payment would jump to $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Experian Credit Bureau XX/XX/XXXX, placed Security Freeze on Experian Credit Report. Paid required fee for Michigan residents, {$10.00}. 

XX/XX/XXXX, received email containing required PIN to temporarily or permanently remove security freeze. Thus indicating security freeze must be in place. 

HOWEVER, checked account status ( via Internet account login ) for Security Freeze on XX/XX/XXXX and XX/XX/XXXX. Both inquiries state ambiguous status ; i.e., " Credit Report is Now Unlocked '' and ( in fine print ) " You currently have a Security Freeze on your Experian Credit Report ''. 

Attempted to contact company for clarification via phone ( try several numbers ) but had minimum of two hour wait time ... unacceptable. No email inquiries available. Note : made several attempts to call Experian and use company 's answering/directory service to CONFIRM credit report freeze but system not setup up for that. 

CONCLUSION, it's apparent that Experian is marketing their credit monitoring services ; e.g. Experian XXXX. Please see the attachment. This is deceptive marketing. 

I still have no assurance that my paid Security Freeze was ( is ) honored.
Product: Credit reporting or other personal consumer reports

to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form XXXX for illegal tax violations upon your company to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
USDOE/XXXX  XXXX Balance : {$0.00} ; USDOEXXXX XXXX Balance : {$0.00} ; USDOE/XXXX  XXXX Balance : {$0.00}
Product: Debt collection

The original borrower filed Chapter 7 in XX/XX/XXXX and bankruptcy was finalized and discharged XX/XX/XXXX. The last payment made was XX/XX/XXXX. The owner left the country and transferred property to me after I helped bring property current on XXXX XXXX dues and more than 4 years passed. The statue of limitations on time barred debt passed and she was still insolvent, and unable to pay XXXX fees. I paid over {$60000.00} to bring the property current and stop an XXXX foreclosure. However after the property was transferred to Nationstar Mortgage from XXXX XXXX, they filed a notice of default in XX/XX/XXXX and I believed I was responsible or I would lose the property. I had someone knowledgeable of Loan modifications and foreclosures help communicate on my behalf with Nationstar Mortgage. XXXX XXXX from the non-profit ACCE helped provide contact information for XXXX XXXX, VP of Litigation at Nationstar Mortgage. He was able to rescind the XX/XX/XXXX foreclosure sale. She also provided a contact XXXX XXXX at Nationstar Mortgage who helped facilitate a loan modification. I didn't know that time barred debt was not legally collectible from me or that a debt discharged in bankruptcy could not be modified. Nationstar allowed the modification to the original debtors loan even though she was living abroad. Without her financial information I was able to use my own financial information and added as a co-borrower to the loan modification. The loan never added my name when it was temporarily granted and XXXX XXXX assured it wouldn't be a problem. I thought I was responsible and I made over {$17000.00} in payments covering 9 payments. The original borrower or debtor never communicated with anyone at NationStar. In XX/XX/XXXX Nationstar foreclosed and sold the property to XXXX XXXX XXXX XXXX XXXX. I hired attorneys to represent myself and the borrower not knowing that this was illegal and I was being defrauded by the law firm as well. The original debtor never signed am agreement however she's named in the lawsuit without being present or afforded due process. I've spent over {$300000.00} in legal fees and {$200000.00} in bond payments to XXXX superior court.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC complaint, it took some time for the credit bureaus to clarify that they are not obstructing records. I'm providing this complaint to help with formulating a legal response because it is required by FCRA regulation 605b. In the event that you decide not to stop the other items listed below that are responding incorrectly due to fraud. Following are the items that should be deleted from my file : XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is reporting a lease as a charge off account. This is factually untrue. The car was destroyed, the lease ended, the insurance was taken care of, the final balance required paid. Ally Financial refuses to change the reporting status of this account and it is causing me extreme financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX been trying to ger this corrected since XXXX of this XXXX and keep getting ame response from transunion that they are sending me coppy of my report and i have to be more specfic i cant be more specfic then stating what i do XXXX and XXXX got it after i sent it to them transunion is only XXXX who hasnt im filing a consumer report again i included it and list of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 XX/XX/XXXX all these are fraud and should be treated as such
Product: Credit reporting, credit repair services, or other personal consumer reports

Im seen losing a lot of my point during my process to get my loan and this company thats pull up my credit some of them I dont know them
Product: Credit card or prepaid card

On XX/XX/2019 I applied for a credit card account wth CITi Bank for a Citi Double Cash MasterCard and was denied for the reason of having to many credit inquires on my XXXX  credit report. I received a copy of my credit report and I feel like I am being discriminated against by CITI Bank. I would like to know what is their guidelines for the amount of credit inquires because I only have 3 on my XXXX report and 1 of them is CITI bank. The application # XXXX. I think this is poor banking practices and would like specifics on their credit approval process. I will be filing other complaints to other agencies because this is unfair
Product: Debt collection

I am disputing a collection account owned by World Acceptance Corporation ( listed as Midwestern Financial ) being reported on my credit report. I have made several attempts to obtain VALIDATION of this debt, but I believe World Acceptance Corp is being deliberately obstructive because they do not have this validation. They claim I did not provide them with enough info, which is not true as my attached evidence shows. 

XXXX : My XXXX letter was signed for XXXX : WAC claimed my letter was not sufficient for dispute under FCRA ; they also sent settlement offer letter on XXXX/2017 XXXX : WAC received my XXXX letter XXXX : WAC claimed they already addressed my issue and would not respond to future correspondence ; I then received a XXXX settlement offer letter on XXXX/2017 XXXX : WAC received my XXXX letter with plenty of detail again explaining my request. As of today, XXXX WAC has not responded.
Product: Mortgage

Hi, I reached out to my home mortgage to have my PMI removed as I have paid my mortgage for 2 years and the home value has appreciated to the qualified amount. However due to 3 late payments out of 24 due to hardship they are refusing to removing it and are overwriting the homeowners act of 1988 by implanting and priortizing their own policies. Can someone please help me with this and they also received a 20 % downpayment to a conventional loan. So they should have never attached a PMI to begin with. Not to mentioned no one ever explain the mortgage prior to closing that the mortgage will increase after 2 years and that it was a short sale.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 there was a letter sent to transunion asking them to remove incorrect personal info that doesnt belong to me and is reporting to my credit report regarding. I have no knowledge about the information I listed. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit reporting or other personal consumer reports

I notice several inquiries dated XX/XX/24,XX/XX/24 ,XX/XX/24 ,XX/XX/2524, XX/XX/24 and XX/XX/XXXX that were not authorized by me and I don't recognize them.
Product: Credit reporting or other personal consumer reports

I have a charge off auto loan on my credit report. My original creditor was CNAC. I called CNAC to try and settle the debt. They said they no longer have it and was given to XXXX XXXX XXXX. The number I was given for them does not work. That number was ( XXXX ) XXXX. I looked up Recovery Remedies XXXX on the Better Business Bureau 's website and they list three numbers for them. Those numbers being one of them I just listed above and the other XXXX are ( XXXX ) XXXX and ( XXXX ) XXXX. None of these numbers work either. Also, when talking to my original creditor ( CNAC ), they gave me another number to call. That number was XXXX ( XXXX ) XXXX. I called this number and they are called XXXX. I was able to speak to someone there but they pull nothing up with my personal information regarding any type of account. I'm just confused to why this debt is still on my credit report if I can't find the new creditor who has it, its like it vanished but is still affecting my credit report. I want it removed, seemingly I can't settle it. The reported balance on this account is {$8200.00}. I got this number off of my XXXX, it also says last reported XX/XX/year>. Where are they getting this info from if I can't get ahold or find anything on this account.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX  on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX, XXXX. TransUnion, XXXX, XXXX has violated my consumer rights and violated federal law. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please update this account to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Student loan

On XX/XX/XXXX I made a payment of {$1700.00} to MOHLELA, in the form of a check, which represented my final payment/payoff. Since then, despite endorsing the check, MOHELA has refused to apply it to my account and they have refused to refund the money to me. Ive made approximately 15 telephone calls to MOHELAs customer service department to no avail. Even when Ive spoken to supervisors, including in the resolution department, Ive gotten placed on hold for very excessive lengths of time and Ive been placated. Ive been told the resolutions taken 5-7 business days on multiple occasions and still no resolution is achieved. MOHELA has stolen my money. Im trying to repay the money I borrowed, in good faith, and, I might add, pay it off early. Its utterly despicable
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts listed on my credit report due to a data breach in which my personal information was compromised. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that the accounts below be removed from my report without delay. 
XXXX Accounts XXXX. XXXX o XXXX XXXX : XXXX o Filing Date : XXXX o Amount : {$0.00} XXXX. XXXX XXXX Account ID : XXXX o Date Opened : XXXX o Amount : {$0.00} XXXX. XXXX  XXXX o Account ID : XXXX o Date Opened : XXXX o Amount : {$0.00} XXXX XXXX o Account ID : XXXX o Date Opened : XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX o Account ID : XXXX o Date Opened : XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX o Account ID : XXXX o Date Opened : XXXX o Amount : {$3200.00} XXXX. XXXX  o Account ID : XXXX o Date Opened : XXXX o Amount : {$6400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # 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.
Product: Credit reporting or other personal consumer reports

Ive had several times removed from my credit and those negative items was the reason why my score was so bad and now after having those items removed XXXX trans union and XXXX has refused to adjust my score causing significant damage to my credit history and hindering future purchases and offers made to me as a consumer. I have even been threatened by employees from all three companies that constantly calling them will not change anything XXXX refuses to remove the items bankruptcies and the others have and they all refuse to verify their methods or verification as I requested several times before
Product: Mortgage

The original debt and lien was created by XXXX XXXX, XXXX in XXXX, Texas, An unlicensed mortgage banker. The debt was supposedly transferred to XXXX after closing, however, there is no record of that transfer in XXXX XXXX, Texas as is required by law in the State of Texas. 

" The original creditor, and not the debt buyer, is the party responsible for reporting information about the debt to the credit bureaus. Typically, at some point prior to selling the debt, the original creditor will report that the debt has been " charged off. '' The debt buyer can not change or remove this information from your credit report. Only the original creditor can do so. '' XXXX XXXX was our original creditor and as the chain of title with lack of registering any transfers according to the laws of the State of Texas, that would legally make XXXX the purchaser of a debt and not the legal holder of the Deed of Trust and Promissory note. 
This debt has been cancelled by Declaratory Default Judgment of wrongful foreclosure in XXXX of XXXX and the Deed of Trust and Promissory Note is no longer enforceable. Therefore, the continued threats of foreclosure constitute harassment and the damage to our credit reports is infinitesimal. 
" The damages for wrongful foreclosure, particularly a willful ( or knowingly ) wrongful foreclosure ( in a non-judicial foreclosure state ) can be quite substantial, including the loss in value of your property, the costs to you of having a poor credit rating because of the foreclosure, the costs of moving elsewhere, emotional distress, and various other costs, including consequential damages which the bank could have foreseen when it wrongfully foreclosed. '' These actions have caused undue hardships on us financially and personally. A seemingly willful disregard for the laws of the State of Texas and refusing to abide by the orders of the court seems to be a matter of contempt. 
The reported no payments were court ordered as the dual tracked foreclosure process was wrongful and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Banker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. 
The mortgage began in XXXX of XXXX and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. 
Roundpoint Mortgage Servicers is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the third person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and RoundPoint Mortgage Servicer as a Debt Collector, refuses to close this and wipe the slate clean. 
United States XXXX, XXXX, Case No. XXXX, XXXX, XXXX XXXX, XXXX.
Product: Debt collection

Dear CFPB I was in the process of repairing my credit. I updated my address on my report, and I got this letter from XXXX XXXXXXXX XXXX on behalf of Cascade Capital. It says I owed {$790.00}. I have no problem paying anything I genuinely owe. But on the letter, there was no original creditor. So I disputed the collection notice on XX/XX/XXXX, by mail. XXXX XXXX failed to respond. They just told me it was a " medical bill '' when I called and asked. So fast-forward to XX/XX/XXXX, I get a call while I'm at work from a collection company named " XXXX XXXX XXXX on behalf of their client Cascade Capital XXXX saying I owe {$790.00} from XX/XX/XXXX again, no notice in the mail. They told me to protect my credit and how I would make the payment. I asked who the original creditor I was told it was from urgent care, no name, then they left me on hold and never returned to the phone. I called back they hung up in my face. I was able to talk to a lady when I called back a 3rd time to get a collections account #.
Product: Debt collection

PNC Bank is collecting on a debt that they prepared and forwarded a XXXX to the IRS in 2020.
Product: Debt collection

XX/XX/XXXX I would like to file a formal complaint against Merchants & Medical Credit Corporation , Inc of XXXX XXXX XXXX XXXX MI XXXX. I understand they are a related company of XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX NY XXXX about whom I filed a complaint with you
on XX/XX/XXXX.
I do not have, nor have I ever had a XXXX credit card. I advised XXXX XXXX XXXX of this in writing on XX/XX/XXXX ; however, it has not made any difference. I further advised XXXX XXXX XXXX on XX/XX/XXXX that my wife had a XXXX  credit card that has been managed by XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX CA XXXX, phone XXXX or XXXX since lateXX/XX/XXXX. Again, this has not made any difference as XXXX XXXX XXXX continues to call multiple times per day to each number instead of contacting XXXX XXXX XXXX XXXX as directed. Now I am receiving letters from Merchants & Medical Credit Corporation , Inc.
Please ensure that Merchants & Medical Credit Corporation , Inc. removes my information from any XXXX credit card and removes all information reported by either them or XXXX from all credit reporting agencies. Further, please ensure that Merchants & Medical Credit Corporation , Inc. ceases all contact with either me and directs any contact with my wife through XXXX XXXX XXXX XXXX as referenced above.
Thank you!