23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a formal complaint and request for an immediate cancellation of the schedule foreclosure sale date on my property. I am asking for your protection intervention and investigation on this egregious matter. XXXX mortgage C/O PHH Mortgage services have acted in bad faith, every time I have submitted a Loan Modification Application I have been given notice of sale notices and I have been told that my application will not be reviewed. These fake debt collectors, have not verified with my consumer request and validation notice file with the XXXX county clerk 's Office on XXXX XXXX, 2016. XXXX mortgage C/O PHH Mortgage services failed to validate the alleged debt with the original creditors with true and certify signed original contract, and through audit certification of debt entry in accordance with XXXX, and XXXX. Not to mentioned that the debt was paid in full once the 60 days of default of payment The PMI paid the total balance, and in each assignment of mortgage thereafter money was being circulating supported of my signature, also with the government plan bail out ... .which supposedly was design to help home owners ... ... and XXXX mortgage C/O PHH Mortgage services after all this monies received on my signature wants to sell my home??? Outrageous PLEASE HELP ME STOP THE SALE OF MY HOME!!!!
Product: Mortgage

My husband and I built a home in XXXX, NE. Construction financing was provided by XXXX XXXX  and the finally loan ( considered a refinance ) was with XXXX XXXX XXXX XXXX  ( Synergy Lending DBA XXXX XXXX XXXX XXXX ). .The loan officer and processor were misleading and didn't provide closing figures as they are required to do within 3 days prior to closing. In fact, we didn't receive closing numbers until we were sitting and waiting at the closing company. The loan officer ( XXXX XXXX ) told me to have my builder place a lien on my property ( which cost me {$150.00} ) as that would get me a better rate as the loan would not be considered a refinance. After I did this, he called me back and said that wouldn't work. He also pursued a lien on our home from the XXXX  XXXX XXXX for the same reason of treating our loan not as a refinance. I told him I didn't want to pursue this as I didn't think the XXXX would do this, however, he did it anyway and it cost 2 extra days in the closing process. I told XXXX many times that I wanted to hurry and close as had a 6.25 % rate on my construction loan. I also told XXXX about 8 weeks ago ( early XXXX ) that I wanted to use XXXX XXXX for our home closing. The week of closing the closing agent ( XXXX ) said that a notary would be at our house that week for the closing. When I expressed concern and said we wanted to use XXXX XXXX, she indicated this would extend closing further. If we had used a notary and not a closing company, I'm not sure when all the mistakes would be found that XXXX XXXX found. I insisted this was their fault and that I still expected that we close by Friday of that week. On the day of closing, we arrived at XXXX XXXX only to find out that documents and numbers were still not final - which is required by law to be provided to us as borrowers by 3 days prior to closing. There were numerous mistakes on the closing documents that XXXX XXXX was attempting to get corrected. XXXX XXXX said that XXXX XXXX  XXXX XXXX was the most difficult lender they had ever worked with. After all of this, XXXX failed to mention that funds would not be released until 3 days after closing since the loan was a refinance. This was NEVER told to us and this further delayed the builder 's ability to pay his subcontractors. Throughout the closing process we were surprised almost daily with requests for documents. I told XXXX that they need to have a timeline and list of documents for their borrowers so that it was known what was going to need to be provided. The communication was not clear between us as borrowers but even within the bank between the different parties. I got to the point where I wouldn't pick up any calls from XXXX and asked him to send me everything in writing via email as I didn't trust what was told to me on the phone. A very frustrating and confusing process. During the last two weeks prior to closing, while I was at work, I had to spend countless hours referring to requests from XXXX XXXX   XXXX just to try to keep the closing on track.
Product: Mortgage

I have a HAMP mortgage with Freedom Mortgage, I am to understand that with five years of payments in good standing I am eligible for a {$5000.00} payment towards my mortgage. I have written to freedom mortgage and called numerous times, numerous times. They take the information down and say they are going to get back in touch with me but never do. The last call the finally state they received my receipt of my letter it is under research. Please assist me in receiving the credit - that as I understand it is rightly due to me. 
MY contact number is : XXXX ( c ) XXXX. 
The company is Freedom Mortgage My loan # : XXXX Thank you for your assistance. 
XXXX
Product: Credit reporting or other personal consumer reports

I changed my phone number early 2023. Since then, I have been unable to access my online accounts through XXXX, Equifax, and XXXX. The issue is, when I attempt to work on this issue I go in circles. Today I spent 2.5 hours attempting to fix this problem with all three reporting agencies. 

XXXX : I got someone on the phone from XXXX. He helped me unlock my credit so I could apply for a car loan. He identified that there may be an issue with some information on my account. I asked to be sent to fraud reporting and he argued with me and told me to file online. I explained to him that I can not do that because I changed my phone number and lost access. He gave me an email to use to change that information in which they respond to me within 4-5 business days.

Equifax : Could not get through to a person. The automatic system hung up on me 5-6 times and I gave up. I found an email and I sent a message on the Equifax XXXX. 

XXXX : Same issue. Could not get through to a person due to long hold times. Sent a message through email and XXXX. 

It is not so far fetched that someone might change an email or a phone number or in my case both. I had someone who was contacting me that I had told to stay away. That person refused and I changed my number and deleted the email they had for me. So my XXXX  account got deleted and my phone number changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update this account : XXXX XXXX XXXX Balance Owed : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 an inquiry from XXXX XXXX XXXX was made. Company was called and contacted on XX/XX/2019 no reply or validation from XXXX XXXX XXXX XXXX Experian. Please help me resolve this matter to delete the inquiry. These company did not have my permission to assess my credit report.
Product: Checking or savings account

Bank Amrica closed my account for no reason, some of them have never committed fraud, every time I call, they never let me open a new account, they tell me that I can no longer be a client of theirs and they never give me the reason, I have not made any mistake, the only thing I did was I tried to change my password and they blocked my online access. When that happens and I contact the bank they tell me that they are closing my account because the bank decided to do so and I see it as very unfair on the part of XXXX XXXX. They have to be more professional and yes I did. something bad I apologize but I would like to open an account with you again and my name is XXXX XXXX XXXX
Product: Debt collection

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

Under federal law, I could hire an attorney to sue them at no cost to me and ask for {$1000.00} in damages, since credit bureau reporting is considered a collection activity and have failed to provide legal documentation that they are reporting this account 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a derogatory mark was added on my credit report per XXXX XXXX from Phoenix Financial and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Action to be taken : If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act.

Please note that withholding the information you received from any medical provider is an attempt to be HIPAA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA complaint.
Product: Vehicle loan or lease

On XX/XX/2020, I applied for a vehicle with CarMax and was approved during the initial process, CarMax had contacted me on XX/XX/2020 to discuss the vehicle with me. I provided all proof they needed ( residence, income, and driver 's license ). They claimed I was approved for a loan through XXXX XXXX, which I found out through letter and by calling that they did NOT approve me for loan. At the time CarMax ran my credit for three days in a row with the same companies which kept tagging my credit score, they pulled out of the deal on Tuesday saying my proof of residence wasn't good enough and then later admitted to selling the car that was suppose to be on hold. I attempted to contact corporate with no return calls and emails completely ignored. I contacted XXXX XXXX ( the sales person ) back and she refused to respond and ignored all further contact. 

I don't feel it was right that my credit was pulled for three days in a row after being told I was approved, the creditor XXXX XXXX said that approved me actually never approved me, this is a form of yoyo financing in my eyes. Some action needs to be taken, the company doesn't even have the decency to apologize and blamed me for their mistake. I ended up getting a newer vehicle for the same price through a lender CarMax claim denied me. This is how I found that CarMax had ran my credit through the same creditor numerous times even after being told I was approved already. Not to mention that this creditor accepted my proof of address, this was a creditor that CarMax said denied me due to not having proof of address, I provided the exact same documents to the other dealer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX ) closed and sold my account while reporting the account as charged off to all major Credit Reporting Bureaus. The name on the account is in the name of XXXX XXXX, the total amount that was sold to a collection agency ( which I did not contract with ) Frontline Asset Strategies and their reporting it as well. This is a direct violation of my consumers right under title 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Request to remove the fraudulent information was returned with an answer that it was verified to be correct. XXXX sent a affidavit clearly that the account was closed and SOLD to Frontline Asset Strategies while still sending charged off account to all major credit bureaus. I have sent Frontline Asset a request to show where they have authorization to report on the credit for XXXX XXXX along with information that XXXX XXXX agreed to be in a binding contract with Frontline Asset.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report. It shows several versions of a XXXX XXXX with several WV addresses as well as several accounts of businesses I have never heard of or contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) - Account Number : 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 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 ) ( a ) 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: Credit reporting or other personal consumer reports

CITI, XXXX, XXXX and XXXX has reported my private information negatively and without consent. 

The Fair Credit Reporting Act 15 USC 1681 section 602 states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As the consumer, I have the right to make sure my private information is NOT shared which is supported by 15 USC 6801 which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CITI is a financial institution by definition and under title 15 USC 1681 section 604 a section 2 states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' CITI being the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do NOT have my consent to furnish this information and they do NOT have my written consent. Any and all consent to XXXX, XXXX, and CITI whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' CITI has not informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission and in violation of this law.

And 15 U.S. Code 1681e states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. 

Furthermore, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' Therefore, I am opting out of these reporting services.
Product: Debt collection

Hunter Warfield added collection to my report. I contacted them last year in regards to this item since I had no knowledge of the debt. They failed to respond with validation, but removed the item from my report. On XX/XX/2017, I received a bill. I responded with a cease & desist letter and stated I had no contract with Hunter Warfield, and that any damage to my credit would result in complaints to the CFPB and Attorney General, as well as a possible lawsuit. The item was added back to my report WITHOUT notification as is required once an item has been removed.
Product: Checking or savings account

I am writing to file a complaint against my Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigations into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Credit card

On XXXX different occasions in XXXX, 2023 I had incidental holds on my card ( {$150.00} each stay ) that is still posted on my account. The first several times I called I was told to contact XXXX. XXXX told me to contact the bank ( XXXX XXXX  ). I left several messages and no one called me back. The last time I called the number on the credit card, I was told my XXXX  card was not really a credit card, it was a loan- I was never told this before. However, I believe the holds remain on the card so I have more interest to pay.
Product: Credit card

In XXXX I made a purchase of storm door together with the installation service from the HomeDepot. For several months the contracted installer was not able to install and made severe damage to the building. After numerous conversation with the supervisor of the project, the local store manager and the online customer service, the purchase was refunded, hoever the damage to the property was never resolved. 

In XXXX this case was brought to the district court, JUDGEMENT FOR PLAINTIFF ( S ) DOCKET NUMBER XXXX Trial Court of Massachusetts District Court Department. JUDGEME

NT TOTAL PAYABLE TO PLAINTIFF ( S ) {$4800.00}.

The Homedepot never fullfilled the court order.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX DEPT OF ED/XXXX XXXX