23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX - I requested loan assumption be initiated by Freedom Mortgage with documented/signed third party authorization and buyer information of my home that I have financed with Freedom Mortgage. Representative claimed they would call the buyer ( person assuming my VA loan ) within one week. 

As of XX/XX/XXXX, buyer has yet to be contacted. After 5 attempts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to contact a live representative ( XXXX XXXX XXXXXXXX ) within the loan assumption department since XX/XX/XXXX, neither my buyer, nor myself have been able to reach a human being. XXXX 's voicemail promises a callback within " 24-48 hours ''. Still no returned call. 

When I did speak with XXXX on XX/XX/XXXX, she mentioned that the process would take 60-90 BUSINESS DAYS to complete. 

As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can attest that this process is not hard. It would take a processor 1 week to verify employment and assets. It would take an underwriter one DAY to review all documentation to make a decision. Inspections are not required. Appraisal is not required. It's a basic credit underwrite. They claim that they have heavy call volume. Maybe they should HIRE??? 

This appears to be an intentional delay that is specific to discriminating against Veterans who are trying to sell their homes via VA loan assumption.
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and 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
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$230.00} XXXX  XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$770.00} XXXX XXXX  XXXX Balance Owed : {$450.00} XXXX XXXX XXXX Balance Owed : {$63.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$290.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I applied twice for mortgage assistance during the pandemic and after. At the time I was behind under $ XXXX they denied me but I was never told why. I reapplied and this time I also applied for California Mortgage assistance program as well but I was declined because I owed over their $ XXXX limit. I called Select Portfolio Services and got a payoff amount so that I can pay it down to qualify for the California Mortgage Assistance program. Select Portfolio services gave me the wrong amount and I wired it only to get declined again by California Mortgage assistance because I was still over the $ XXXX. I called Select Portfolio Services and instead of taking responsibility they told me that they could negotiate any balance over the $ XXXX with California Mortgage Assistance as long as I had open application with them which I did. I tried numerous times to get them to negotiate with California Mortgage Assistance to pay the $ XXXX and then negotiate the balance which would have been about $ XXXX after all the months of being dragged on they declined my Mortgage assistance application without a reason and never communicated the California Mortgage Assistance program and now they are auctioning my house. Mortgage assistance said Select Portfolio Services wanted the full amount without negotiating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a letter indicating that I did not have a foreclosure on XX/XX/XXXX to XX/XX/XXXX, and Transunion certified mail. Also, I requested a copy of the allege records for my review. Neither Credit Bureau has submitted those mortgage documents for my review to date which is my legal right under the law. Accordingly, I am demanding for the XX/XX/XXXX Home Mortgage entry to be deleted off my credit profile due to the Credit Bureaus non-compliance of the law of supplying me the mortgage documents showing a foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

FAIR COLLECTIONS & OUT Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I WANT A COPY OF FAIR COLLECTION AGREEMENT/CONTRACT WITH MY SIGNATURE. 



I HAVE ASKED IN 4 SEPARATE CERTIFIED LETTERS TO XXXX FOR SIGNED CONTRACTS/AGREEMENTS FROM THIS COMPANY SHOWING THEY HAVE A CONTRACT WITH ME FOR SUCH DEBT. I CAN'T GET XXXX TO COOPERATE AND FORWARD. LEGALLY THEY ARE IN VIOLATION OF MY RIGHTS TO SUCH COMMUNICATIONS AND DOCUMENTS. 

WILL BE FILING A LAWSUIT FOR THIS INFORMATION AND TO RECOVER LEGAL FEES INCURRED DUE TO THEIR NEGLIGENCE CC ; LEGAL FILE
Product: Credit reporting or other personal consumer reports

Purchased a car and paid it off in XXXX  but it shows a derogatory remark on my credit report. I have called the car lot that is reporting it. I have called the bureau that is investigating it and for some reason they will not remove it off my credit report. I need this removed off my credit report so I can refinance my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this account since  XXXX   XXXX . I alway s ( ALWAYS )  made on-line payments through my bank -  XXXX   XXXX .  XXXX  always  ( ALWAYS ) a ccepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  XXXX  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  XXXX , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I sent out a letter to sent proof or validation of the debt to both Transunion and XXXX XXXX  and I still havent gotten a response from either party or any proof of validation.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in removing unauthorized hard inquiries from my credit report. Despite my efforts to dispute these inquiries with XXXX, they remain on my report, negatively impacting my credit score. 

I have already sent three dispute letters to XXXX, and I am looking forward to completing the following steps to resolve this issue : 1. Escalating the dispute to a XXXX supervisor or XXXX XXXX. Providing additional documentation or proof that the inquiries were made without my consent XXXX. Requesting a manual review of my file to remove the disputed inquiries 4. Filing a complaint with the Consumer Financial Protection Bureau if necessary I believe that these inquiries are a result of identity theft or errors by the creditors. I would appreciate any guidance or support your office can provide in resolving this matter. 

Please let me know if there are any additional steps I can take or if you require any further information from me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account # XXXX A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. 


There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. So, this credit balance is in excess of {$1.00} And the law clearly states that the treatment of any credit violence is supposed to be refunded upon the request of the consumer so I would also like to request my refund.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Mortgage

My issue is When My mortgage company helped last I did not have enough in my savings, at the time I was rebuilding and finally getting back on track, I have been at same job which I've been at over 18 years after the COVID-19 pandemic which affected me. During covid-19 I was also medically diagnosed with XXXX and XXXX, but I kept working as much as I could trying to make a way.The first mortgage payment of the modification was due 4 days after they did the modification and notified me was final in XXXX of XXXX which I complain to them about that.!, They then gave me a forbearance until XX/XX/XXXX and told me I can fill out another hardship application. The modification was under the federal program, FHA COVID-19 modification. When they did this my mortgage was raised to a higher amount. The reason they stated was the higher interest rate they gave me and escrow shortage which I was not aware of has taken effect as well. My old interest rate was 3.75 % then it went to 5.5 % on top of the so-called escrow shortage. This caused my mortgage to go up over {$310.00} a month And the old total balance of the loan went back to where I almost started 14 plus years ago since they added money back on the back end after doing the modification..., so I had to readjust again. During this time to the present Ive Been paying what I could from my job and took out money from my 401k several times under The terms hardship withdrawal which I owe taxes for. My 401k is depleted now. This is the reason why I'm not too far behind currently. As of right now I'm working with Michigan mihalf program. To get delinquent amounts current, wish they have promised to get me current after providing all documentation. but I still have the high interest rate, that doesn't make sense.. This interest rate has made my mortgage over {$310.00} difference.. I have been in my home since XXXX, and this is the highest I ever paid. Don't understand why I got hit with a high interest rate during COVID-19 when I'm trying to get things together and it was supposed to be a COVID-19 modification program provided by FHA which is supposed to help through the federal government. Michigan, XXXX program told me contact you.. I am a single full-time dad.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # 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: Mortgage

I contacted Mortgage Masters, and started working with XXXX XXXX around the beginning of XX/XX/XXXX, I have text messages and emails confirming that i sent her my pay stubs, XXXX forms XX/XX/XXXX and XX/XX/XXXX, hud forms from purchase of my house, I sent her all the forms she needed, and had employment and credit score checked by XX/XX/XXXX - on XX/XX/XXXX I signed the disclosures and was told everything was approved, the appraiser came on XX/XX/XXXX and completed the paint scraping ( needed to sign off on appraisal ) on XX/XX/XXXX and closing set for XX/XX/XXXX, the closing was then changed to XX/XX/XXXX, as XXXX XXXX lost my XXXX, pay stubs, and mortgage/bank statements, I faxed these items again, and the closing was then set for! XX/XX/XXXX, I found out that XXXX XXXX XXXX no longer with Mortgage Masters and XXXX XXXX would take over, again they were claiming they need XXXX and other financal documents again - I told them I had faxed all the info repetedly and was not going to fax again, I then shared my concerns for identity theft with all these documents being lost with XXXX and her boss XXXX XXXX , they told me not to worry, that there computers are safe, and they have no worries that XXXX XXXX held on to my personal information. 
so again I was scheduled to close XX/XX/XXXX XXXX XXXX told me all they needed to close was the appraiser signing off that paint had been scraped and cleaned up, the appraiser came out and signed off on the appraisal XX/XX/XXXX. 
every time I speak to the mortgage company they keep saying they are still waiting on employment verification or need pay stubs before they can close. 
so I have been trying to refinance my home for 4 months and I keep getting the run around with lost info, and employment verifications, as I have been on XXXX for a XXXX, the mortgage company keeps bringing up things about my XXXX and making the hold up seem like its related to my XXXX leave, and I dont see what my XXXX has any thing to do with my refinance, if the mortgage company was professional and wasnt loosing my info repeatedly, my mortgage refinance would have been closed and completed, before any of my XXXX started - but the company keeps stringing me along and now its been 4 months that I have been working on refinancing my home
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  Inquired on XX/XX/XXXX company caused a hard inquiry XXXX XXXX Inquired on XX/XX/XXXX company caused a hard inquiry. 

AFS ACCEPTANCE LLC Inquired on XX/XX/XXXX company caused a hard inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I have several unauthorized inquiries. 

XXXX XXXX, XX/XX/2019 XXXX XX/XX/2019 XXXX  XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/2019 Trustmark Bank XX/XX/2019 I did not make ANY of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage Services formerly OCWEN Loan Servicing ( OCWEN ) is still incorrectly reporting my account. As indicated I applied for cash for keys and it was suggested that I file for deed in lieu for foreclosure under the Home Affordable Alternative program. The process was extended over and over because of Ocwen 's failure to just inform me that they weren't on the deed. Instead of just informing me of such, they slid a process that was unintended because there had never been a transfer of title. I have documents and have secured statements from the XXXX County Clerks and Courts that the reason that OCWEN could not process was because they did not hold the deed at the time of application. In fact when they became the mortgage servicer, they also did not hold the deed as proven by the clerks office. As such my efforts were abandoned even though I followed every step of the process as requested. As stated by the XXXX CO CLERK Ocwen would not have been able to perform any actions pertaining to the property.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX  XXXX XXXX {$4100.00} XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX {$760.00} XXXX/XXXX  XXXX {$2300.00} XXXXXXXX XXXX XXXX {$2200.00} Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

on XX/XX/XXXX tmx finance also known as title max had my car towed out my driveway due to missing a payment. i caught the man in the act and he was very belligerent and abusive he slammed my daughters XXXX  in the car when she as trying to retrieve her daughters car seat they told us to shut our XXXX XXXX  i tried calling title-max and they refused to take my payment over the phone. XXXX miuntes after they took my car i was able to make a XXXX in person at the local office this amount was not the amount the corporate office told us it was it was a XXXX XXXXXXXX more then we were told they never sent any type of notice they never called me to let me know i was late, the tow company they use dragged my XXXX XXXXXXXX XXXX by the back of the car causing my stabilizer bar to break on my rear axle. they tore up my driveway to the house that i rent. which my landlord is now holding me responsible to fix. XXXX hours later and many phone calls title-max could not tell me where my car was they kept telling me it never made it to their holding facility finally on XX/XX/XXXX i got a hold of someone at the corporate office and they told me where my car was and set the appointment to get it the lady i spoke to on XXXX XXXX told me the tow company took it upon themselves along with the local title-max office in XXXX Tennessee XXXX to XXXX XXXX car, The lady that i seen to get my car on XX/XX/XXXX at XXXX at the XXXX car auction located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Tennessee XXXX said the tow company was not supposed to hold my car as long as they did. i was able to report my car stolen on XXXX XXXX due to the tow company not doing their job correctly i lost wages and almost lost my job they refused to give me my personal property which some of it belonged to the company which i work for they are charging almost 300 % interest on a flex loan they have broken the breach of peace law in Tennessee and now they refuse to tell me the name of the tow company that took my car so that we can file charges for the abuse me and my daughter have went through. plus they broke my car and they need to pay for it to be fixed. titlemax and tmx finance refuse to give me the name and contact number for their DDO so i can get the name of the company. i have spoke to a lawyer and i fully intend to sue tmx finance however the local office needs to be shut down because they do not communicate at all with people who hold any type of loans. i spoke to many people who have all types of loans with them and they say the same thing they do not try to help in anyway they are rude and honestly they are all crooks this comqapny has a bad reputation and i wish i would have known that before i even applied for a flex loan
Product: Mortgage

In efforts to ensure onetime bill payment with Citizens One, I attempted to set up automatic draft for my mortgage payment. There was an issue with the system or me inputting the correct account information and my payment for the month of XX/XX/2019 failed to process. 

I never received a phone call, email, text, no form of communication from the company indicating that my mortgage was late or needed to be paid. I was told that I was mailed a letter AFTER my mortgage was already 30 days late and a remark had been added to my credit report. 

Upon contacting customer service, a representative informed me that the company indeed did not contact me and only makes calls to its " bad paying '' customers when their payments are late. As a customer who has made 100 % payments on time there was no courtesy call or outreach to ensure that I didn't fall behind or miss a mortgage payment. 

What was even more frustrating and infuriating was that Citizens One called me and left voicemails several times in XX/XX/2019 attempting to sale me another mortgage after they some how found out that I was shopping for new loans. 

They took zero responsibility for their actions in this situation and refuse to remove or rectify the 30 day late remark on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were opened or reported in my name without my authorization. 
The fraudulent accounts are as follows : Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX