23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Mortgage servicer transferred on or around XX/XX/2024. The previous servicer cheated me, did not grant me a deferment request that I qualified for. They railroaded over me and started foreclosure proceedings. A supervisor played back the calls and discovered that they made an error and should have given me a deferral. Even though they reversed the pre-foreclosure, due to their error, they still charged me attorney fees, humiliated me publicly by posting the foreclosure info, sent a cruel person to my home to take photos, but more importantly cant reverse the info that they recorded with the state recorders office. I now have a pre-foreclosure in my record because of them. 

I applied for another foreclosure in XX/XX/2024 and they lost it. The new servicer couldnt find it either, so they offered me this new modification. They have treated me so badly, by misinforming me about the status of my account, not returning calls, and now trying to force me to sign this new modification paperwork by the end of XXXX, when their is a dispute in place and they dont have the exact breakdown of these amounts for which they are trying to have me sign. I suspect that those attorney fees ( for example ) are also hidden and were never reversed. 

I have called the company multiple times and written their Research Dept. They are not responding with answers. Here is an example of what I sent below to the Research Dept : Please stop ignoring my messages. I requested a prompt response to these questions and to be reassigned to a new representative. There are only 6 business days left before your deadline closes. You guys and your underwriters have had this case since XXXXXXXX XXXX XXXX  XXXX didnt hesitate to trash your competitor by letting me know how terrible the files have been, that have come over from the previous servicer. That can only mean one thing, you all have been aware that this was a systemic issue. I cant understand how you could make a modification offer without checking to see that you have ALL of the docs to substantiate XXXX XXXX claims made to me over the last two substantiative conversations.

I am worried and concerned that the monthly mortgage payment calculations /and the modification documents that you provided, also contain faulty information. I deserve an update. I deserve not to be rushed into to signing documents until Ive consulted with my advisors. With only 6 business days left to sign, it is highly unlikely professional of you not to contact me with an update. The longer this takes, please dont be unfair or realistic to then expect me to be able to adhere to your end of the month deadlines. After all, this is one of THE biggest financial commitments that most consumers will make ( for the next 30-40 years ). Please respond asap.
Product: Student loan

I received a letter dated XX/XX/year> from MOHELA in which they stated that interest on my loans would continue to accrue despite the litigation forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting act American : The following Inquires Have violated my rights 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.

ALSO THESE inquires are in itself fraudulent and not done by more nor my consent and I have not consented to the reporting in my personal name to any reporting agencies.

& 15 U.S.C. 1681-1681, imposes that responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. This is unauthorized by me and unlawful and I seek immediate removal. Ive requested this before and ive yet to get a response from my inquiry. This is my second time reflecting upon this matter.
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 XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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

On XX/XX/XXXX I received XXXX alerts from XXXX that my personal information was on the Dark Web. On XX/XX/XXXX I received XXXX alerts from XXXX XXXX that my information was on the Dark Web. I also received on XX/XX/XXXX an email from XXXX XXXX Department store that someone had repeatedly tried to log into my account and it was therefore locked. 

I know that it was Citibank that sold my information as I refinanced my HELOC into a mortgage which I believe was finalized in XX/XX/2023. The bank forwarded to me on a couple of occasions mail with an incorrect address even though I have been with them since the XXXX. The mailman delivered the mail to me anyway. I asked them then how could they possibly, all of a sudden, have an incorrect address. Was some of the other mail with the wrong address diverted to someone else? 

At least XXXX of the Alerts on the Dark Web from XXXX had that incorrect address from Citibank. Citibank either sold my information or there was a breach. I have requested that they cease and desist sharing my personal information. This is why identity theft is so prevalent.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION AND THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. 

The company has acknowledged this error and has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and informed your agency XXXX XXXX, XXXXregarding several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ).

I have suffered XXXX XXXX as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, the President shut down the federal government for a month and a half. Because of this I couldn't maintain my mortgage because we didn't get paid 2 checks. XXXX put me on a Forbearance plan until XX/XX/2019. Those missed months will be worked into a Home Modification plan in XX/XX/2019. When XXXX came, XXXX XXXX took over from XXXX with my account and start the process for Loss Mitigation plan. I was to maintain my $ 1XXXX  monthly payment and try to catch up the {$8000.00} balance from the miss months. I was told that because I'm in this process of sending documents to their underwriters and maintaining my monthly payments. They wouldn't report any 30 day late payments. Well I didn't miss any payments and I just finally paid the entire balance in XX/XX/2019. They are still working on my Loss Mitigation/Home Modification package. Last week, Myfico account report a 30 days late from XXXX XXXXe on my XXXX and Transunion and dropped my score 64 points. This should be removed based on the information I stated and was told. I'm including documentation.
Product: Vehicle loan or lease

On XX/XX/XXXX we signed a JOINT ( husband and wife ) 36 months lease for new Chevrolet truck Silverado 1500. 

We received TWO separate letters dated XX/XX/XXXX stipulating the terms of the lease. Fortunately the TWO letters referenced the same Lease #. 

On XX/XX/XXXX, we received TWO separate billings, one for husband and one for wife. It is important to note here that the due date is the 3rd of each month and the payment must reach GM Financial in XXXX, AZ XXXX. Distressed, we called GM Financial at XXXX on XX/XX/XXXX. We were told by GM rep. that they made a mistake in setting up our lease on their system. We were assured that it will be corrected and that we will receive payment coupons in a proper time frame to be able to make the payments on time. On XX/XX/XXXX, we sent a certified letter to GM Financial Leasing XXXX XXXX XXXX, XXXX, TX XXXX demanding correction of our records. We also sent, on the same day, separate certified letter containing our payment for the XX/XX/XXXX installment and demanding 1 ) combining of our names on the payment coupons and, 2 ) stoppage of sending us double billings for the same lease, 3 ) booklet containing payment coupons for the lease. We kept repeating the same requests with each subsequent monthly payments To make sure we also filed the same complaints on the GM Leasing web site XX/XX/XXXX, then again on XX/XX/XXXX and again on XX/XX/XXXX. 

The only response we received from GM Financial was an e-mail of XX/XX/XXXX from XXXX XXXX responding to our Survey of " dissatisfaction '' that we completed before advising us that we better pay our bills on the Internet to avoid double billings. Another change we noticed was that for the XX/XX/XXXX billing they sent us only one billing for the husband but no change reflecting JOINT ownership of the lease. The bills from GM continue to arrive FIVE days before due date. As a side note, it takes approximately 7 days for the US Post Office to deliver our payments from our location to GM location in Arizona
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the account being reported were erroneous. I sent a letter to the Credit Bureaus oin XX/XX/XXXX to request an investigation and correction of the Erroneous accounts on my Credit Report. The XXXX credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred from XXXX XXXX  ( loan # XXXX ) to XXXX XXXX on XX/XX/XXXX. At that time, the home was in escrow. XXXX XXXX contacted XXXX XXXX ( Loan # XXXX XXXX on multiple occasions in late XXXX and XX/XX/XXXX attempting to get a loan payoff and were rebuffed with the recurring excuse that my loan " was not in their system '' and they were unable to accept payment. We already had a payoff from XXXX  but without a demand from XXXX, escrow was unable to proceed with the payoff. I finally reached an employee ( XXXX XXXX ) at XXXX on XX/XX/XXXX who was able to secure the payoff for us the next day and the loan was paid in full on XX/XX/XXXX. When escrow did finally close, I was forced to pay many extra days of interest and taxes ( approx {$200.00} per day ) because of their refusal to provide a payoff when asked in late XXXX and early XXXX. I was lucky my buyer did not back out of the purchase due to their incompetence and misconduct. 

My loan with XXXX  was in forbearance at the time the loan was transferred. XXXX  rightfully reported my loan as paid as agreed. XXXX reported " paid XXXX days late. '' I have contacted XXXX XXXX on multiple occasions to no avail so I filed a dispute with the credit bureaus which XXXX responded to and lied to them saying I was 180 days late. If in fact I was 180 days late, there would have and should have been late fees charged to my account. None were charged because I was not late. My loan was under forbearance when it was transferred and XXXX XXXX was required to honor that forbearance or in the alternative accept a payoff in a timely manner. They did neither. 

XXXX XXXX only owned my loan for 19 days and spent 18 days of that refusing to take money from myself or escrow. Now they want to claim I was 150 days past due which is an outright lie. They need to correct my credit bureaus as they have dropped my perfect credit score from XXXX to XXXX. This is unacceptable and they do not respond to requests to correct their mistake. The phone number designated for disputes ( XXXX ) is not in service and rings 3 times then hangs up. I am attaching a screen shot from my phone showing multiple attempts to call. 

The lowered credit score has caused my business ' credit to be affected thereby choking my business during a pandemic. 

I am attaching the following : The original payoff quote I got from XXXX  good through XX/XX/XXXX The letter from XXXX saying my loan was being transferred which I received on XX/XX/XXXX An email from my realtor to XXXX XXXX with the letter referenced above attached and response from escrow saying they would need a new demand Emails from escrow from XX/XX/XXXX - XX/XX/XXXX outlining efforts by XXXX XXXX to get a payoff from XXXX XXXX to no avail. 
Text messages with my realtor from XXXX XXXX outlining the scramble to finally get a payoff from XXXX XXXX at XXXX XXXX the payoff quote and accompanying email I finally got on XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX is selling deceptive information to XXXX and Experian in which they are publishing it on my consumer report. This allege debt has not been validated as belonging to me and I have received no notice of my right to dispute this debt before it was placed on my consumer report. I would like the evidence that has been used to validate this debt as belonging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original complaint to CFPB was in opposition to XXXX score of XXXX which appeared to be affected by a none update of my credit card account with XXXX XXXX paid in full to leave a credit of {$7800.00}. The site showed a balance of around XXXX I recently checked my FICO due to an alert from Experian and my credit score has been dropped to XXXX without incidence or contact from XXXX or its response to CFPB since filing. I have authorized " no hard pulls '' on my credit. There remains a fraud alert on my account and the agency would have had to contact me to obtain such a hold XXXX was good and on XX/XX/XXXX I, discovered through XXXX XXXX that my credit score of XXXX on XX/XX/XXXX was decreased to XXXX without incidence! I noticed an unauthorized " hard pull '' on my credit. The credit union that I was inquiring about funds to pay staff assured me that the " inquiry '' would not affect my credit score! I was unsuccessful in downloading a free copy of my report due to site not allowing the download to compare to XXXX download. This morning it refused to provide a report. There is no accountable difference to have affect my credit score and decrease it to XXXX! I have attached the XX/XX/XXXX credit report. I have not authorized any hard pulls. There remains a fraud alert on my credit reporting accounts and the agency would need my permission to pull such a report I updated the information on my Experian account concerning the addresses that I never resided and now I receive a bombardment of solicitation with most recent informing me that my credit score has decreased! According to Experian : XX/XX/XXXX My credit file was updated to remove addresses ; another update on XX/XX/XXXX ( why ) XX/XX/XXXX credit rating soliciting on how they could make my credit score better, assuming XXXX is not better given the hx of my credit prior to the XXXX recession I enjoyed credit scores up to XXXX ; and yet XX/XX/XXXX XXXX your FICO score has come a long way XX/XX/XXXX XXXX your FICO score has been updated to show a decrease when attempting to view information, no access and yet the system recognizes me ( see print screens ) XXXX Experian targets my credit of {$7800.00} and claims it can be increased, ironically after my credit score has been decreased! 
I have not authorized any hard credit pulls on my accounts and was informed by credit union that the credit view would not affect my credit score prior to inquiry. There remains a fraud alert on my credit report and the agency would have to contact me to obtain such a pull.
Product: Debt collection

Asked for a verification of debt, was provided with verification. The debt does not belong to me, as I have never lived in the state of Florida and can provide bills verifying my residency in Georgia for the last decade.
Product: Mortgage

I have been trying to get a modification on my home loan from Nationstar/Mr. Cooper sinceXX/XX/XXXX. Each time I call to see if the documentation has been received I am told to send it in again, that they have not received it. I have attached with this complaint, the last four letters received from Mr. Cooper. The requested information on the letter datedXX/XX/XXXX which is the current lease agreements for the two apartments I rent in my building, plus the mortgage statement for the other rental property at another address. All I am trying to do is get a modification on the building I have lived in for over 13 years now. The original loan documents as well as the papers where servicing of my loan has been transferred on several occasions, to different servicing companies has still not been provided to me as requested years/months ago. I have also included with this complaint each email I have sent in, that included the documents requested from the loan modification department, since XX/XX/XXXX, along with a Comparative Market Analysis of my area as well. I just want a fair modification on my loan, as I have been paying the high mortgage payment amount each month. The documentation I am uploading on their website along with the emails I have continuously sent in, as well as the packages I have mailed in seem to keep disappearing or not getting to the company. I have also provided the two receipts from the post office indicating I did send documentation to Mr. Cooper as well, on at lease two separate occasions. So I have no choice but to sentd this complaint to the XXXX, CFPB, as well as Mr. Coopers corporate office, complaint office and the loan modification department to receive some assistance with this matter. All I want is a fair modification on this loan and acknowledgment that I have been sending in the requested documents for months. Thanking you in advance for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Review these Accounts that is on my credit, these Accounts are inaccurate I did not give any Authorizations on these Account. I'm a victim of Identity Theft I would Like this situation to be Resolved.. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the quick deletions of the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent Experian My Identity theft report. and They won't Delete. from my Report I also filed. with the federal courts in XXXX XXXX XXXX XXXX XXXX I sent them the court papers and they are ignoring them. they do what they want to do, they only care about the credit card companies not a XXXX Veteran. who has gone to war for this country? 
I demand!! them to delete. this XXXX XXXX credit card from my report immediately I will be sending I certified letter to the US congress. and I am going to sue them for two years of mental and suffering anguish. the amount is XXXX XXXX USD. 

EXPERIAN HAS DONE NOTHIG TO DELETE THIS FROM MY REPORT!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S.C 1681 ( a ) ( XXXX ), the banking system is dependent upon fair 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. 

With that being said, Equifax 's consumer reporting agency is furnishing unauthorized inquiries, accounts, and inaccurate personal information to my consumer report. Not only do these items not belong to my consumer report but more importantly, they violate several Fair Credit Reporting Act laws that protect me as a consumer.
Product: Debt collection

PLEASE BE ADVISED THAT I GOT MARRIED AND HAVE CHANGED MY NAME TO XXXX XXXX XXXX, ON XXXX XXXX XXXX ACCOUNTS WHERE XXXX XXXX XXXX XXXX XXXX PLEASE FURNISH HISTORIES IN TRADELINE AND SOL EXPIRED. OLD NAME XXXX
Product: Debt collection

On XXXX XXXX XXXXXX/XX/year>, I attempted to contact Portfolio Recovery Associates via two methods to verify an alleged debt. First, I submitted an inquiry through their official website at https : //www.portfoliorecovery.com. Additionally, I emailed them directly at XXXX, an email address provided on their website for dispute-related matters. 

The purpose of my outreach was to request verification of the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to validate the debt upon request. Despite my efforts, as of today ( XX/XX/year> ), nearly two months have passed, and I have not received any response. Under the FDCPA, specifically 15 U.S.C. 1692g ( b ), if a consumer disputes a debt in writing and requests verification, the collector must cease collection activities until they provide verification. Failure to validate the debt within a reasonable timeframe may require the removal of the disputed item from my credit report. 

Given the lack of response and the elapsed time, Portfolio Recovery Associates is legally required to remove this debt from my credit report, as they have not fulfilled their obligation to verify or validate the alleged debt.