23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello about a month ago I tried to refinance my mortgage with Navy Federal and the process was so unfair Navy Fed lead me to believe I was going to be able to Complete the process it was a told nightmare. They gave me the complete run around I complied with everything Submit it all documentation All the way to the end of the process to be denied due to debt to ratio I issued that they was will Aware of .I honestly feel I was discriminated against Navy Fed made sure that my appraisal came in on the lower end so that I would need to bring more money to closings the reason for refinancing was to do the debt consolidation. So I was treated so unfairly because Navy Federal already know my financial situation they change my closing cost amount because three times Thought I would have no other choice but to back out Bring that higher amount to closing GLB Act Explains how that is against the law to do something like that. I am currently going through a horrible experience with XXXX current mortgage lender Navy Fed is treating me Even worst : And also The first gentleman that I was dealing with me Cause I was XXXX So he send me to someone elsec
Product: Credit reporting, credit repair services, or other personal consumer reports

My signature was forged on a student loan document as a guarantor for which I had no knowledge of. When defaulted, I was not notified as lender did not have my address or any other info about me. When I discovered, I made payments, in spite of not owing, and eventually paid/satisfied the debt. Creditor has reported to credit bureaus that any disputes have been paid and resolved, yet credit bureaus have not deleted this erroneous listing from my reports, in spite of creditor 's request.
Product: Debt collection

XXXX XXXX XXXX keeps calling and leaving a message at my mothers number stating she owes money. It is a recorded call and never uses a name of who owes the money. My mother has a clean credit record and does not owe anything. They call daily. I will not allow her to call back. The number they give is XXXX.
Product: Credit reporting or other personal consumer reports

I submitted my fraud affidavit last month and i noticed that XXXX had deleted the accounts that were considered fraud however it seems that trans union and XXXX  have been ignoring my concerns
Product: Debt collection

MY name is XXXX XXXX I recently received a call from a blocked number from a female claiming that she is trying to deliver a package to My son XXXX XXXX. My phone number is XXXX. 
The female said the package needed a signature for delivery. 
I wrote the information down and sent a text to my XXXX XXXX XXXX. See attached. 
My son received the information and called them it turned out it was not a delivery service it was XXXX XXXX XXXX. They were trying to collect on a Wells Fargo account that is out of Statute! They also told my son that because he asked for a statemnt back in 2012 that it reactived the account and started the statute of limitations all over again
Product: Debt collection

I have not receive any written notice in regards to this debt. I also dont every recall applying for anything in my personal name at the time given on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  are both reporting incorrect information on my credit report. they are both reporting an account from XXXX XXXX, that does not belong to me. the address that they are reporting does not belong to nor have i ever lived there. i asked them to provide me with verifiable proof and they have not. they have not produced any documentation, no binding agreement contract, no signature that belongs to be. they have only produced an itemized bill, which proves nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not provide name, contact information or documentation for the data furnisher in response to my Method of Verification Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a dispute regarding the reported incorrect balance yet again to all three bureaus. I provided documents directly from the lender again and the agent reviewing my information at XXXX did not attach my documents sent in for the dispute, yet closed it without verifying the information attached. I am sure that all the bureaus are doing the same. I called and spoke with another but helpful representative at XXXX who saw my dispute and stated that " she '' did not attach my supporting documents and did a manual request and attached the files to be reviewed. I have been disputing this information for over 12 months with all 3 bureaus and never have the attached documents from the lender been considered due to the scripted automated replies.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ARE NOT MY ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THESE ACCOUNTS WAS OPEN UP FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS.  On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I was emailed a response today that said they knew no knowledge of any dispute. Now they lied and I have proof of their knowledge and deleting it off my credit report and now placing it back on. It was sent for reinvestigation as you can see then my results came back on XX/XX/2018 and was deleted. The photo I submitted proves I am correct.
Product: Mortgage

As of XX/XX/2022 I am under foreclosure by the mortgage service provider FLAGSTAR BANK with XXXX XXXX XXXX XXXX XXXX XXXX, acting as their collection agency/attorneys. The actual lender is XXXX XXXX. 

I had a reinstatement fee of {$43000.00}. Of that amount, I am approved for an ILHAF ( Illinois XXXX Assistance XXXX ) XXXX of {$30000.00} by XXXX XXXX Illinois XXXX XXXX XXXX ) pending a $ XXXX or less reinstatement fee being provided to them by FLAGSTAR. I attempted to directly pay the difference of the grant and the reinstatement fee to FLAGSTAR. The reason I did that is because XXXX will not make a partial payment of what I owe to FLAGSTAR. Therefore, I did over XXXX extremely grueling hours of overtime over XXXX pay periods to attain the amount to get the reinstatement to {$30000.00}.
Product: Debt collection

ACCOUNT RESOLUTION SERVICE # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ACCOUNT RESOLUTION SERVICE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ACCOUNT RESOLUTION SERVICE purport I owe. I request that ACCOUNT RESOLUTION SERVICE. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ACCOUNT RESOLUTION SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section XXXX of the Revised Code and XXXX XXXX XXXX, as amended.The account Number # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX {$87.00} XX/XX/XXXX XXXX XXXX {$780.00} XX/XX/XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX  XXXX {$170.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXX, XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

The mortgage bank has not been crediting my VA mortgage payments since 2008. I have been noticing this for some years I just thought that was a process that they did. But now I know something is wrong. they saying I owe {$24000.00}, and it should be {$150000.00}. Plus they have been adding late payments on top. Now {$260000.00}. The Bank was BB & T/ TRUIST. They have been trying to make go into a modification for the {$260000.00} 30 years, that will be like starting over from 2008, with the loss to me of {$160000.00} of payments made towards the loan. If they can credit missed payments why they can`t credit positive payments to the loan. They were in the news years back of federal wrongdoing of loan. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion today ( X/XX/17 ) to place an initial 90 day fraud alert on my credit. Many people are taking advantage of this service following the recent XXXX hacks, and many more should be. This fraud alert is a free service that notifies you when someone tries to pull your credit info anytime in the next 90 days. The credit reporting service you call is apparently legally required to offer this and make sure that the other two services follow suit.
Before you have the option to actually have your fraud alert set up, you need to decline two detailed pitches for their premier $ XXXX/mo credit monitoring service. This premier service they are describing sounds a XXXX of a lot like the free service they know you are calling about. The difference between these services was obvious to me but it may not be obvious to others, especially if they are panicked trying to protect their information. I understand a company exists to make money, but this is n't your typical company- these people control your most important, valuable and private information and you have no say in the matter. After a huge data breach from XXXX, these guys are trying to hawk some premier paid service to people who are taking proactive steps to protect their information before this happens again to the other two services. It may not be illegal but in my opinion it 's shady and blurs the line between service and profit. I would like to see TransUnion offering this service elsewhere, not as a roadblock in front of this critical free service needed to protect your identity.
Product: Mortgage

Refinanced with Nationstar in XXXX and they refunded me $ XXXX escrow which I informed them was a mistake but they insisted they were right.Now over XXXX months later they admit they were wrong and want the money back.However I am not happy with the options they have presented me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a long history of a credit score of XXXX. After I took out a car loan with XXXX for 48 months I paid it off in 18 months. I made all payment well in advance of due date. 
The loan was paid off over a year ago yet XXXX Credit Bureau continues to carry my score at XXXX with a sub note that says they have no current information. I have not checked the other credit reporting companies but I expect to obtain a score of XXXX due to the fact that I have paid off the one obligation that dropped my score. XXXX has on their records that the loan was paid off over a year ago ( XXXX balance ). 

I paid cash for my house with no other loans outstanding and pay all of my credit card bills in advance. Balances have always been about the same yet the score has never been changed from XXXX. 

I talked with a XXXX rep and got nowhere except to contact this agency. Please forward to ALL credit unions.
Product: Debt collection

Hello, I hope this letter finds you well. On XX/XX/2022, a fraudulent collection account was opened in my name in the amount of {$400.00}. The account is currently owned by Choice Recovery & it says the original creditor is XXXX XXXX XXXX. I have not done business with either company. This account is a fraudulent account, and needs to be taken off my credit report. I pay my bills, and I wouldnt let a {$400.00} account go to collections. What is this even for? 

Regards XXXX
Product: Mortgage

XXXX and XXXX XXXX had a reverse mortgage owned by PHH Mortgage. 
They are both deceased. PHH is authorized to provide information to daughter XXXX XXXX. 

PHH purchased hazard insurance policies for {$1300.00} each on XX/XX/XXXX and XX/XX/XXXX and charged those amounts in addition to outstanding principal and interest etc. 

A hail storm damaged the roof and the big Texas freeze busted pipes. 

The reverse mortgage has since been paid in full. This payment in full includes nearly {$16000.00} of additional charges have such as the hazard insurance reimbursements. 

When we requested they provide us with the carrier name and policy number of the insurance that we purchased so we could file a claim, they refused to provide the information. We submitted signed authorizations both via fax and email signed by XXXX XXXX. We offered to include her on the call to confirm her authorization. 

Every call they used a tactic called rope-a-dope to wear us down. Dozens of operators took turns asking us the same verification questions before failing to provide any information and bouncing us to the next operator who does the same thing. 

I believe PHH is using a related company to sell the insurance and is actively using these tactics and strategies to prevent claims from getting through. 

I have seen news reports of CFPB investigating and punishing PHH Mortgage for insurance related kickbacks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted countless times over the past year to have inaccurate and misleading information removed from my credit reports. My latest attempt I again mailed disputes and demand to have inaccurate information removed from all three credit reporting agencies XX/XX/2021. I mailed copies of my identification ( drivers license social security card and proof of address ) along with my dispute letter AND proof that my personal information had been compromised ( XXXX data breach proof and claim filed ) sent certified mail by USPS. I have fraud alerts and freezes on all three reports to indicate that I have been the victim of identity theft.This was again to no avail. According to the FCRA sec 601c inaccurate information must be verified or removed if no proof of account ownership found. I have complied with the law yet XXXX, XXXX, and Transunion dont appear to even care about following the laws set before them. Not once in a year have I received any proof of ownership of the accounts that I am being held liable that are not mine. I have submitted proof several times over. They also claim to have directly verified a XXXX XXXX bankruptcy from the source however I have contacted the courts and advised the Northern District Georgia courts do not and will not verify bankruptcy information with anyone or any agency via telephone. I have yet to have this proof in writing as the law states I am entitled. I will not rest until these incorrect and misleading accounts and reporting practices are corrected and removed at once. I know my rights under the fcra and not only are the credit agencies liable but you all will be as well for allowing continuous illegal reporting practices. I have sought legal counsel at this juncture. I do not deserve to have to suffer a life or being non credit worthy based off laziness and incompetence from those responsible for relaying correct information.
Product: Credit card

I was scammed on XX/XX/24. I XXXX  a XXXX phone number and called it to report a hack. They charged {$200.00} to XXXX and 2 {$200.00} to XXXX. I also lost {$210.00} thru PayPal on my debit card. PayPal denied my dispute. My bank is working on my credit card charges. I reported to police, changed all accounts information and banking information. These were all gift cards. PayPal wont let me appeal it.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is a new account on credit report that does not belong to me. 
My credit report is frozen so they should not have been able to open a trade line.
Product: Credit reporting

On XXXX/XXXX/15, I contacted Experian to dispute two addresses that are n't mine that are showing on my credit report, and they refused to update. 

On XXXX/XXXX/15, I contacted Experian again to have the addresses removed, and they again refused to update. 

They areAddress ID - XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) and Address ID - XXXX ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) I live in Colorado. I expect them to remove inaccurate information that is not on either of my other two credit reports.
Product: Debt or credit management

Last year I had a credit card through XXXX XXXXXXXX someone hacked into my card and I we close the account through XXXX  XXXX so then they sold my information to Resurgent credit and they trying to say that I owe them XXXX and some dollars with them, but I told them my credit card was hacked and they sent me information that I need to fill out and send back to them stating that that happened, but I never had a credit card through Resurgent capital services through credit. and they can not provide me with any copies that I signed with them stating that I will pay them back
Product: Debt collection

I really dont have about dates its on my credit report with negative results.
Product: Credit reporting or other personal consumer reports

Yes I have bankruptcies reporting on my credit report that does not belong to me, I will providing documentation that they do not belong to me and they should be removed immediately due to my rights, I will be sending proof of my identity of my new address and that its me filing this dispute
Product: Debt collection

My complaint is with Synchrony Bank. I have been harassed by early morning calls and calls 7 days a week including at XXXX XXXX today. It's well more than 7 calls in a 7 day period. I have blocked the number at this point to try to stop the harassment but I still get woken up frequently by the voicemail notifications. I was called literally every day from XX/XX/XXXX until XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, etc. They have been doing this for at least 3 years. 

XX/XX/XXXX : XXXXXXXX XXXX 
XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX  XX/XX/XXXX : XXXXXXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXXXXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXXXXXX XXXX I can provide a LOT more including other violations of the 7 calls in 7 days rule.
Product: Mortgage

From : Customer When : XX/XX/year> @ XXXX XXXX  Re : Loan # Hello, I want to request that PMI be removed from my loan. Please advise next steps. Thank you, From : Pennymac Loan Specialist When : XX/XX/year>XXXX  @ XXXX XXXX  Re : Loan # Dear Hello This is in response to your recent secure message. Your mortgage insurance premium will automatically terminate 11 years from your Note date. You will reach this date on XXXXXXXX per your original loan term. Kindest regards, XXXX XXXX : Customer When : XX/XX/year> @ XXXX XXXX  Re : Loan # Hi XXXX, Thank you for your response. According to the Homeowners Protection Act, my loan-to-value ( LTV ) ratio is 37 %, meaning I have 62 % equity in my home, and my lender is legally obligated to remove Private Mortgage Insurance ( PMI ) because I have reached the threshold where PMI should automatically be canceled ; most lenders must remove PMI when LTV reaches 78 % of the original loan amount, provided I am current on my payments. This is my official request to remove PMI from my loan. Please call me at to remove the PMI as the Homeowners Protection Act states.
Product: Mortgage

I am a veteran and wanted a VA loan they pulled my credit it was not shown to me I was told I didn't qualify but I did not receive the letter of denial they told us only loan we could get was a commercial loan and we were force to put down 30 % down which was {$110000.00} I am XXXX  veteran I am XXXX XXXX XXXX and lost my job and the commercial loan wont allow me to rent a room cause according to the contract any rent automatically belongs to them even though I live I a retirement, XXXX plus community, they took advantage of me as XXXX  and and veteran that served my country and all I doing is asking for your help I have nowhere to turn to don't know who to trust I am trying to save my home and the court date is on the XXXX of XXXX and the auction to sell our is on the XXXX of XX/XX/year> which at this time will leave me and wife completely homeless. 
please help us
Product: Checking or savings account

So XX/XX/2019 i had {$2000.00} bank wire deposit to my account and the bank spent XXXX of that money on fees like returned itiem fee and paid 2 debit card pos then they refused to let me take the money out and said they were sending the money back. So a month ago I dispute the account being locked and asked for the money that has been sitting there for almost 3 years and they said no its going back. So if the XXXX was no good why did they spend part of the money and why was it sitting for three years
Product: Prepaid card

Didnt get my XXXX stimulus check of XXXX in XXXX  to my direct express debit card it was stolen.