23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH MORTGAGE I HAVE XXXX ISSUES WITH PHH MORTGAGE. IN XXXX XXXX2020, INFORMED PHH THAT I DID NOT HAVE TO PAY COUNTY TAXES ANYMORE BECAUSE I BECAME 100 % XXXX VETERAN. THEY STATED THAT MY MORTGAGE WOULD BE XXXX PER MONTH. THEN IN XXXX 2021, THEY STATED THAT THE MORTGAGE IS XXXX $ PER MONTH. i ASKED THEM HOW DID THEY MAKE THAT MISTAKE. THEY STATED THAT THEY WOULD DO AN INVESTIGATION. I HAVE NOT HEARD ANYTHING FROM THEM SINCE I INSTIGATED EXCEPT FOR LETTERS STATING IT WAS BEING INVESTIGATED. I BELIEVE THEY OWE ME XXXX $ WHEN I LEFT OCWEN, OCWEN MORTGAGE COMPANY, OCWEN, OWED ME A SUBSTANTIAL AMOUNT OF MONEY BECAUSE THEY DID NOT GIVE ME A PARTIAL EXTENSION DUE TO BEING 90 % XXXX VETERAN. THEY WOULD NOT ADDRESS THAT FACT BECAUSE I WAS TRYING TO GET A MODIFICATION. THEY ALSO CHARGED ME MONTHLY TO PAY MY MORTGAGE. 
OCWEN DELAYED MY MODIFICATION NUMEROUS TIMES BY REPEATEDLY FINDING ISSUES WITH THE SAME ISSUE, NOTARY SIGNATURES. I WAS TRANSFERRED TO PHH MORTGAGE IN XXXX 2020. MY MORTGAGE WAS XXXX WHEN I WAS TRANSFERRED TO PHH MORTGAGE MY EQUITY WAS STOLEN. THE MORTGAGE AMOUNT WAS XXXX. I HAD XXXX STOLEN FROM ME. AT THE TIME I DID NOT UNDERSTAND WHAT HAPPENED. I FEEL THAT I HAD A LOT OF MONEY STOLEN FROM ME BECAUSE OCWEN DID NOT ADDRESS MY 80 % XXXX FROM THE VETERANS AFFAIRS AND IT WAS NOT ADDRESSED WHEN IT WAS TRANSFERRED, I WAS TOLD I HAD TO BE 100 % XXXX DUE TO HAVEING A MODIFICATION AND THAT IS A LIE. 
I WANT ALL THE MONEY THAT IS OWED TO ME BECAUSE OF THESE CIRCUMSTANCES AND MY EQUITY RETURNED. I DO NOT BELIEVE THAT I USED XXXX OF EQUITY DURING THE XXXX - XXXX TIMEFRAME.
Product: Debt collection

I contacted the credit bureau the original creditor was XXXXXXXX XXXX they took it off my credit due to fraud then 2 years ago a collection agency picked it up the credit was applied for in 2017 please remove this from my credit its not mine I attached the original police report and letter. XXXX collection is not the original creditor has no right to put this on my credit its costing me not to finance a home
Product: Mortgage

I received a letter dated XX/XX/XXXX, from Provident Funding, my current mortgage company. The letter stated that XXXX  XXXX XXXX, my home hazard insurance provider, had its rating downgraded and no longer met the company 's standards. As a result, I was required to switch carriers by the specified date of XX/XX/XXXX. 

I reached out to various insurance companies, but finding coverage was nearly impossible. For those that could insure me, the rates were unaffordable. Following the recent fires in California, a state of emergency had been declared, resulting in an insurance moratorium being put in place.

In light of these circumstances, I faxed a letter to Provident Funding requesting that they reconsider their requirement for me to find a new insurance carrier. On XX/XX/XXXX, I received a response from their customer service department informing me that I still needed to find a new insurance provider. However, they extended the deadline to XX/XX/XXXX, to secure coverage.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my XXXX XXXX has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. " The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my XXXX XXXX and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to update my credit file properly due to the fact someone had use my ID back in 2019. I see my name is still spelled wrong and there are SS # that are not mine as well as addresses that do not belong to me. 
Please delete/remove the following names : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
My current and only addresses is XXXX XXXX XXXX XXXX XXXX Please delete / remove the following unknown/ fraudulent addresses : 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 OHIO 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 LA XXXX XXXX XXXX SS XXXX DOB XXXX please delete any other data or information that doesn't match.
Product: Mortgage

Today XXXX/XXXX/XXXX I found out by chance that ( Capitolone 360 ) My mortage compay paid my property finance taxes without permission. - they ( Capitolone ) told me that the XXXX informed them that I was deliquent. Since I could not speak with someone fromt he XXXX. - I had to make and inperson visist - I explained my problem and they told me that my taxes was not deliquent ( despite what they paid - {$1500.00} XXXX. I was inofrmed in order to be deliquent, I had to be 180 days in arreas, - Because of this my mortagate payment went from {$640.00} to $ XXXX starting in XXXX XXXX - I have had this account for over 7 years - I was first with XXXX - Capitiol took over the loan in XXXX - I have never had a problem - I have only received XXXX inquiry from Capitolone asking to submit proof that the taxes was being paid. in XXXX which I complied -To me this another way of predatory practices
Product: Credit card

I was denied by navy federal for an extended line of credit multiple times. I have no delinquencies and base on the equal credit opportunity act I cant be discriminated against which they stated in their policy.
Product: Bank account or service

My husband and I purchased a gym membership with XXXX XXXX in XX/XX/XXXX. The gym went out of business on or around XX/XX/XXXX without any notice. The gym reopened under a completely different name ( XXXX ) and ownership. XXXX XXXX charges a monthly membership of {$20.00} per member per month.. I requested to dispute the charge for the remaining gym membership worth {$520.00} and XXXX training sessions worth {$180.00}. I received a call from Wells Fargo dispute department last week advising my dispute was denied by VISA because the gym services are available at the same location and because XXXX XXXX reopened the location and agreed to honor my previous gym membership. As a consumer I do n't think I should be forced to belong to a gym that I did not sign up with.
Product: Debt collection

Sometime between XXXX the cash store processed a payment for a payday loan that my bank paid. This payment made our account overdraft. The bank than closed the account. I have been contacted several times about this and have told them the same thing every time. My bank confirmed it was paid and the cash store location has no record. Now I am being told by letter that I am being taken to court for NSF Fraud.
Product: Credit reporting

The credit report for Trans Union states that I used XXXX % of my XXXX XXXX account. ..which is incorrect? I 'm guess that this mistake caused the credit score to decrease by XXXX. Why would XXXX XXXX let me put more on a card than the limit? Did n't happen!!!!
Product: Mortgage

For over three years, two of my mortgage loans have been service by Newrez, LLC. I have always purchased hazard insurance on my own and have paid for it out of pocket. Three and a half years ago, Newrez told me that they did not receive the insurance information for my mortgage on XXXX XXXX in XXXX, CA. ( Loan # XXXX ) They acknowledged that they DID receive the information on my loan for XXXX XXXX, but said they did not receive it for XXXX XXXX and they placed forced insurance on the property. The same agent that sent information on the XXXX loan sent it for XXXX as well. The agent is the same and the coverage is identical. I sent proof of coverage and my agent sent the same thing. Still, they told me that they didn't receive it. THIS WENT ON FOR THREE YEARS! 
On XX/XX/scrub> 2024, my agent suggested, in an email to me which I have attached, that " we should just start having tape recorded conference calls '' so that we could just send them a copy later. She also said " Your lender as you know is difficult ''. 
Finally, early in 2024, I got hold of XXXX XXXX in their service department at Newrez who told me that they got enough information to stop the lender forced insurance and they sent me a check for {$2400.00}. I tried to reach her to tell her that the company STILL OWES ME MORE THAN {$10000.00} for all of the time that they had forced insurance on my property and should not have. 
From that time on, no one will talk to me. I leave messages and receive no reply. 
THE MOST CURRENT NEWS is that Newrez has now placed forced insurance on my property at XXXX XXXX in XXXX. ( Loan # XXXX ). They make similar claims, that they haven't received information from either me or my agent, both of whom have sent it. They have now placed forced insurance on that loan even though they were sent the same coverage as XXXX form the same agent. 
I have always maintained insurance coverage on both loans and have not had any issues with other mortgage companies or servicing companies like Newrez. I suspect that they make a lot of money preying on their loan customers and charging them for insurance that is not needed. PLEASE HELP ME RESOLVE THIS ISSUE, both on the XXXX XXXX location and XXXX XXXX!
Product: Debt collection

Green Tree collection agency is reporting that we owe them {$400000.00} on a XXXX purchase money loan. They have sent us a letter saying that we do n't owe them the money, but refuse to stop reporting it to credit reporting agencies. This is preventing us the opportunity of refinancing our home. We have been working to get this resolved since late last year ( 2014 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called multiple times and sent via fax a request to receive a copy and freeze my credit report at Sagestream. 

First, they claim you can call in to request a freeze by speaking to a representative. I have called over 50 times during business hours and not once have I gotten through to a representative. It goes to a pre-recorded message. 

Second, they claim they will call you back within one business day. I've left multiple messages and the only time they've ever called me back was several business days after my first call. Unfortunately, I couldn't take the call at the time. After that one time, they never called back.

Third, I submitted via fax a letter requesting a freeze and a copy of my report on XX/XX/21. I have not heard back. 


Sagestream is a joke of a business and CFPB is a joke of an agency to let this continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information about balances that I do not have. The following information is being reported and is inaccurate, {$2700.00} balance that includes but not limited to {$1100.00} reletting charge, {$810.00} carpet replacement, {$85.00} cleaning fee, as well as a {$75.00} late fee and additional interest when I do not have a contract with the collection agency in order to charge interest nor do I have an open account with them. I gave notice upon moving out so the reletting charge is invalid, carpet had no major stains or damages normal wear and tear and the tenant can not be charged full carpet replacement for normal wear and tear. I was not given a billing statement until after move out so I was unaware of amount to be paid in which I requested for amount and was not given a correct statement until I received a collection letter, therefore I will not pay a late fee for an error I did not cause. I have sent pictures and videos of the move out report proving no damages and the apartment was left in much better condition than when I moved in. This company has refused to do whats right for a XXXX and it affects me. I want a resolution as soon as possible as I have been fighting this for 2 years.
Product: Checking or savings account

Thursday XX/XX/2018 Atm deposit of XXXX dollars Atm took the money but never gave the credit.
Product: Mortgage

BSI continually fails to cash my payment check when they receive it. My bank, XXXX, sent my XXXX payment on XX/XX/XXXX for arrival at BSI no later than XX/XX/year>. My mortgage payment is due by XX/XX/XXXX. BSI did not cash my check until XX/XX/XXXX, and then charged me exorbitant late fees for my " late '' payment, even though my payment was mailed to them in plenty of time. Additionally, BSI does not provide an option to have my bank pay BSI electronically and instead, requires a check be sent through the mail. 

BSI is my only payee that claims to not receive my check until weeks after it is sent. This is a continuing problem, and BSI can provide me with no proof that my check was deposited the day it was received. It is quite curious that the only payee that consistently receives my bank 's mailed payments late is BSI.

It certainly seems that BSI is engaging in an intentional scheme to delay depositing customers ' checks to then charge those customers bogus late fees. There is no way to contest BSI 's claim. And there is no way to be rid of BSI as my mortgage servicer as BSI purchased my loan and I am, unfortunately, stuck with them and their either unethical, or merely inept business practices, to my personal and financial detriment.
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit report from XXXX XXXX XXXX which XXXX Synchrony Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX XXXX breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting and the possibility of being taken to small claims court per violation of the FCRA and FDCPA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX aggressively advertises loans for witch you can apply without credit report impact. Once you do, an an operator will try to coax you into applying for a secured loan you get a hard inquiry on your report. This is false advertisement and hurts consumers.
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 : 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 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: Debt collection

To dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Debt collection

The collection agency continues to report false information on a debt I do not owe.
Product: Credit reporting or other personal consumer reports

I have made several attempts in requesting help from Equifax in regards to collection accounts on my credit report. The Creditors have not responded to my dispute letters and neither have Equifax. Equifax has failed to protect me as a consumer by not doing a proper investigation on my behalf and allowing these creditors to continue to report negative, inaccurate information that they have not proven to be legally mine.
Product: Vehicle loan or lease

I am filing this complaint against the North Carolina State Employees ' Credit Union ( NCSECU ) regarding their failure to respond to my formal written dispute and subsequent Notice of Default related to my auto loan, which originated in XX/XX/XXXX. 

The original loan amount was {$21000.00}, and I have made payments totaling {$5900.00} toward the loan thus far. As of XX/XX/XXXX, the current balance remaining on the loan is {$16000.00}. 

On XX/XX/XXXX, I sent a certified letter to NCSECU disputing the terms of my loan under account number [ Insert Account Number ], in which I outlined specific concerns about the handling of my promissory note and requested documentation, including a copy of the original note and the title to my vehicle. I also raised concerns that the debt had been improperly handled and that NCSECU had failed to follow the legal obligations required under the Uniform Commercial Code ( UCC ) and Truth in Lending Act ( TILA ). 

Despite receiving confirmation that NCSECU received my initial dispute letter, they failed to respond. As a result, I sent a Notice of Default at the end of XXXX, again via certified mail, informing them of their default and reiterating my demand for a response. This letter also requested the return of all payments I made toward the loan, given that the promissory note should have satisfied the debt in full. To date, NCSECU has not responded to either letter, nor have they provided the requested documentation or acknowledged the dispute. 

NCSECUs lack of response constitutes a breach of their legal obligations under UCC 3-305 ( Defenses and Recoupment ) and UCC 3-501 ( Presentation and Handling of the Promissory Note ). Furthermore, their failure to respond violates my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), which prohibits further collection activities once a debt is in dispute, and 15 U.S.C. 1692e, which prohibits misrepresentation of the status of the debt. NCSECU continues to act as if no dispute has been filed, and no resolution has been provided.
Product: Mortgage

Purchased the home at XXXX XXXX XXXX. in XXXX XXXX XXXX PA XXXX The purchase price was {$140000.00} purchased on XX/XX/XXXX and it was a USDA mortgage financed by Wells Fargo in XXXX Later, in XXXX, we had three floods ; two in XX/XX/XXXX and one in XX/XX/XXXX. It was that final flood that caved in the back of the house due to a large crack in the foundation from the first two floods. Therefore we were authorized by XXXX for a federal deferment in a letter dated XX/XX/XXXX. I had made a payment in XX/XX/XXXX, as I was making bi-weekly mortgage payments. I made XXXX of the bi-weekly payments, then upon receiving the deferment letter we were told that we were allowed to defer the payments. Considering my mortgage was paid ahead due to the biweekly payments I would have been sufficiently paid up according to Wells Fargo, however, on XXXX XXXX the sheriff posted a foreclosure notice which was illegal due to the deferment which we were eligible for due to the three floods that we had claimed with XXXX. 

Wells Fargo not only committed an illegal foreclosure, but completely mishandled the deferment. We required the deferment in order to repair the damage to the back of the house when it caved in, and we were merely trying to be able to live in our home again. We wouldve had no problem making the payments because I was receiving a reimbursement for my husbands wheelchair and an income tax refund and both of these wouldve easily covered the three months of mortgage payments. 

The foreclosure was never lifted and in XX/XX/XXXX we listed and the house was sold for XXXX and the closing was XX/XX/XXXX Contact info : XXXX id # XXXX Wells Fargo re deferment The deferment letter was from Wells Fargo authorizing the deferment dated XX/XX/XXXX The real estate agent who handled the foreclosure sale was XXXX XXXX ( XXXX ) XXXX CFPB handled our case with The Mortgage Law Group Case XXXX XXXXXXXX. I am very grateful for all that you have done for us and helping us to get some of our money recouped.
Product: Debt collection

On XXXX XXXX 2023- I reached out to Genesis and informed them I was now being represented by legal counsel. At that time, Genesis failed to notate such on my account and has continued to contact me directly as well as noted in my prior concern- after a cease and desist. 

This is not a duplicate concern as Im putting on record that should Genesis review the phone call from XXXX/2023, its clear that I stated I was now represented by legal counsel. Continuing to reach out to me is a clear violation of FDCPA.