23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I will try to explain, but so much has happened not sure where to start. This has been going on for 28mths just about. We have tried to do a loan modification and have been given the run around to the point we got behind and had to hire lawyers to help us and after the lawyer we were paying got suspended we have been left alone. We have contacted Freedom Mortgage since they got our loan back in XXXX XXXX from the previous lender which was XXXX. Since the lawyer we were left us high and dry in XXXX XXXX, we have been contacting Freedom, they keep giving us the run around. They said that we need to short-sale and if not they will give us 3 months to do a deed of liue and help us with relocation cost, we have wanted that in writing ... they keep saying that they have sent us a mitigation package and all that and to this day we have yet to receive it. I 'm sorry I forgot to mention this all started due to my husbands hours were cut and he had some medical bills that arose due to he had XXXX in XXXX and it looked like something had came back that caused us to apply to do a loan modification and it led to 28mths of fighting with mortgage company. So..after the told me to short-sale ... I went ahead and found a Realtor who put the house up ... she called them and they told her over the phone that the payoff was {$190000.00} and we had tittle company request it in writing ... we got an offer on the house while it was only on the marker for 7 days we were still waiting on the mortgage company to send the payoff..I have called them, had to leave a voicemail to a caseworker who never calls me back, left a message for a manager to call me and that has n't happened either ... we have a VA loan ... I do n't want to loose it, but how can I work with a mortgage company that is not working with me is almost as if they want to foreclosure.We do n't want that, we did not miss our payments on purpose, it was a life crisis that we ende dup in and went straight to the mortgage for help. Right now the people are waiting on our counter offer which we ca n't because Freedom has yet to send anything or return my calls. I 'm stressed, I just want to sale the house and move on, but the longer it takes the longer our credit is ruined. I want Freedom to help us and to do as they have said they will do. We ca n't loose our VA and we do n't want to foreclosure, we have tried to work with them and even have had an attorney email them to call him and they have n't even called him. All t his to me just does n't sound right and Im so scared that we wo n't have anywhere to go and no money to go anywhere. Please help us!! Please!
Product: Mortgage

I purchased a new construction home. The homebuilder is NVR IncXXXX, XXXX XXXX XXXX. I used NVR Mortgage Finance, a related company to the homebuilder by common ownership. The appraisal ordered by NVR Mortgage appears to violate several independence and USPAP standards and gives the appearance of inpropriety. I contacted NVR Mortgage several times with my concerns, but they indicated they reviewed the appraisal and confirmed it was an appropriate appraisal. The mortgage was sold to XXXX XXXX  post-closing. 

The concerns I have with the appraisal are : - The primary comp used in the appraisal is a related transaction. The comp was the homebuilder 's model home that was sold to an investor. The homebuilder and the mortgage company who ordered the appraisal are related by common ownership. The appraisal indicates this was the PRIMARY comp. 

- There is an undisclosed and ongoing financial relationship with the homebuilder and the investor who bought the model home. The investor currently leases the model home back to the homebuilder who uses the home as a model for the subject subdivision. Sale-leaseback relationship was confirmed by NVR Mortgage employee XXXX XXXX XXXX 

- In addition, the investor who bought the model home in this subdivision has bought other XXXX model homes and likely has a similar sale-leaseback relationship in at least one nearby subdivision. This was confirmed by a county records search. The investor owns the model home in the XXXX XXXX at XXXX XXXX development as well as the development my home is located. 

- The investor is an out of state buyer who was able to buy a model home from a homebuilder without the home being publicly marketed for sale. I lived in this development prior to and after the model home was sold. In addition to the ongoing financial relationship the homebuilder and investor has, there is the appearance of an undisclosed relationship outside the sale-leaseback arrangement whereby the investor is made aware of model home sales by the builder. 

- Due to the undisclosed financial relationships between the homebuilder and investor, there is the possibility and appearance the homebuilder is using the model home sale to manipulate valuations of future home sales in their developments. The parent company of the homebuilder and mortgage company has a financial incentive to use manipulated valuations. 

- It is possible, the XXXX either knowingly or unknowingly is confirming manipulated valuations by not disclosing the related transactions, as described above. Disclosing the relationships between the homebuilder, investor and mortgage company would certainly raise professional standards concerns and potentially render the appraisal inappropriate in consumer transactions. 

Appearances are everything. The above undisclosed relationships between the homebuilder, mortgage company and investor does not give me confidence consumers are being treated fairly and ethically. I also question conformance to federal consumer mortgage regulations.
Product: Credit card

I fell behind on my monthly payments on my Discover Card account due to some unanticipated expenses. When I was finally in a financial position to make payments again, I contacted them to make payment arrangements. The individual that I spoke offered me a settlement ( the account had been closed ) that would have me paying half the balance owed ( approx. account balance = {$13000.00} ), and as long as the monthly payments were met ( automatic withdrawals they scheduled ) they would credit the other half. At the time I was dealing with my mother 's health issues, and was relieved to have it taken care of. Unfortunately, I neglected to request a written copy of the agreement, and one was not sent to me. Additionally, since the account was closed, I was no longer receiving account statements and I had no access to my account. The payments were withdrawn as agreed though, totaling half of the account balance, and I thought all was well. Several months after the final payment though, Discover Card sent me correspondence stating that I still owed the other half of the balance on the account. I have disputed that, but Discover Card claims that they no longer have the recordings of my conversation with the representative that negotiated the agreement and scheduled the payments. Supposedly deleted after 90 days, even though the payments were scheduled to continue for not quite a year. They claim to have no records about the agreement that I made. The only " notes '' state that I rejected an agreement of {$7200.00} - which they extrapolate to mean that I agreed to pay the total account balance. Who would do that?! When I asked to speak to the individual who negotiated the agreement or his manager, since I distinctly remember the representative putting me on hold in order to get the agreement approved, they claim that information is not recorded in the account. They have sold the debt to a debt collection company, and now claim that the debt collection has " all '' the information about the account. Yet, when I disputed the debt, the debt collection company contacted Discover Card to request the records ( which were just copies of statements that were never sent to me ). I feel sure that there is a record of what actually transpired, either in the representative 's notes or his supervisor 's records, but Discover Card is refusing to provide any information. Are credit card companies required to maintain records of these types of transactions? And how does a consumer with a dispute compel a credit card company to provide all records related to an account? I recognize now that I should have requested a copy of the agreement. Some websites have even recommended not authorizing payments until a copy of the agreement has been received. I did not have that advice at the time, unfortunately. I have had no previous experience with this process, and was experiencing a tremendous amount of stress due to family issues ( and still are ) are my only excuses though.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # ending in XXXX XXXX XXXXXXXX, has violated my rights. 

In regards to my previous dispute it has been over XXXX days and they have failed to provide the documentation into this investigation. 

The credit agency did not provide any valid proof to deny of my claims. They just validated my complaint that they provided information to the credit collection agency without my explicit written consent. If my signature is on file giving creditor the explicit consent to furnished extremely detailed reports to consumer reporting agency I would like to receive a copy of that document for my review. If said document can not be provided within XXXX days these alleged late payments should be removed expeditiously. 

15 USC 1681 Section 602 States I have the right to privacy. Creditor is not allowed to disclose detailed information to a consumer reporting agency with my express written consent to do so. Once again creditor did not provide this document with my written consent. Until they can provide this document I reiterate that these allege late payment be removed expeditiously 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not provide any written instructions to any agency to complete this transaction. I am requesting proof of a written signature acknowledging my formal consent. If you can not provide this proof of wet signature, you are obligated to remove all late payments from my credit report within XXXX days. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. Creditor violated my right be reporting alleged late payments to your agency which under law they do not have the right to report as a transaction.
Product: Payday loan, title loan, or personal loan

I took out a loan for {$700.00} from this company back in XX/XX/2023. This was my second loan from them. The first loan was paid off early. The payments come out every 2 weeks on my payday. To date I have made 7 payments of {$190.00} for a total of {$1300.00}. I wanted to pay this account off because of high interest rates but when I look at the payoff it still states that my payoff is {$890.00}. That is alot more than what it showed when I took the loan out. I have asked the company twice by email and once by mail to stop the EFT but they have not stopped it. The phone number listed on their site is XXXX which I will not try calling.
Product: Credit reporting or other personal consumer reports

Account : XXXX  Account Number : XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX payments that are reporting inaccurately. The consumer reporting agencies need to report all information with accuracy. I have attached a copy of my report to this complaint on the following dates, XX/XX/2023, and XX/XX/2023. I would like for you to investigate this account and update these payments to paid on time immediately. Thanks for your understanding and prompt action. I can be reached at XXXX for additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

due to covid i recently obtain a copy of my credit report and noticed accounts that i did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting 5 Inquires on my credit report that does not belong to me. 
XXXX. XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX Fraudulent information is being reported on my credit report and TransUnion has neglected and refused to remove fraudulent account. Someone else whom I am unaware of has used my information without my permission and knowledge. I did not authorize this inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may 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 reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Report Act, This Creditors had violated my Rights under 15 USC 1681 section 602. 15 USC 1681 section 602 states the right to privacy 15 USC 1681 section 6049 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account or any account under and open on consumer credit plan as late for any purpose. 
Furthermore acknowledge 15 USC 1681 C-2, 18 USC 1028 A, 15 USC 1681 B 92. 

1.SANTANDER CONSUMER USA , opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people committed multiple Consumer violations. 
2.XXXX XXXXXXXX XXXX XXXX opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people also violated multiple Consumer Laws. 
3. hard inquires by unauthorized Individuals a. XXXX XXXX XXXX XXXX, XX/XX/XXXX b. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX c. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX d. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX e. XXXX XXXX XXXX, XX/XX/XXXX XXXX
Product: Debt collection

I am writing to formally lodge a stern complaint against Southwest Credit Collections regarding your ongoing and baseless attempts to collect a debt from me purportedly owed to XXXX  This matter is both unwarranted and harassing, and I demand immediate action to cease these activities. 

It has been asserted by your agency that I opened a wireless account with XXXX  and subsequently owe a debt of {$1500.00}. Let me categorically state that this is incorrect. I currently have an active account with XXXX that I opened less than a year ago, and it includes XXXX lines for my daughter. At the time of opening this account, XXXX found no issues or red flags. 

Upon receiving your claim, I immediately requested proof of identification to substantiate this alleged debt. Instead of receiving the requested documentation, I was transferred multiple times, placed on hold for XXXX minutes, and ultimately had to leave a message. This level of customer service is unacceptable. As I stated in my voicemail, I do not owe this debt. 

Furthermore, my primary cellular provider for the past 18 years has been XXXX XXXX XXXX, and it will continue to be so. The harassment has extended beyond me to my wife, my son, and even my brother, which is completely unacceptable. 

Consider this a final notice : I do not owe this debt. If these unwarranted collection attempts do not cease immediately, I will escalate this matter. My next steps include contacting XXXX XXXX, CEO of XXXX, with whom I am on a first-name basis, and consulting my attorney. If necessary, I am prepared to take this matter to court to protect my rights and end this harassment once and for all. 

I demand written confirmation that all collection activities related to this alleged debt have been terminated. Failure to comply will result in legal action and I have no problem making a public spectral of this entire situation in the fullest degree.
Product: Debt collection

Dear CFBB Team I am writing to formally file a complaint and dispute a collection account reported on my credit report by IC Systems INC I believe this entry is inaccurate or improperly reported.

I am confident that the CFPB will act in accordance with the fair credit reporting Act ( FCRA ) and other consumer protection laws to address this matter promptly. 
Please =feel free to contact me at XXXX or XXXX should you require further details or clarification. I look forward XXXX your response regarding this dispute. Thank you for your assistance. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor, XXXX XXXX XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. Attached to this complaint is a copy of the letters that I have sent to each bureau without response.
Product: Checking or savings account

All of my public benefits has been terminated and the government is requesting for their money to be returned that was paid out to me over the year because they feel I did not qualify for benefits since truist is reporting they have an account for me with a balance available to me of XXXX. So Im homeless with my children and truist refuse to close this account or report to public assistance via letter and systems that the funds do not belong to me. Please close this account and send proof to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps showing information on my credit report from XXXX and Transunion thats incorrect. I have disputed online with XXXX XXXX, XXXX and Transunion several times but each time the credit agencies dispute my information rather than investigate it and XXXX XXXX emails me that whats on the credit report is correct. They have never asked for additional information so I can prove the report is wrong. The last time I disputed information online thru XXXX XXXX was XX/XX/XXXX. They keep showing late/missed payments for XXXX XXXX but my XXXX 1st mortgage was sold to XXXX XXXX in XX/XX/XXXX. Their report shows it 's in a Chapter XXXX which it is not. The XXXX 2nd mortgage is included in my Chapter XXXX but they keep saying it also has late/missed/derogatory payments. I pay the Bankruptcy Trustee each month who distributes payments to XXXX for the 2nd mortgage, so the payments should not be reported as late. They also show that I opened the XXXX Mortgage XX/XX/XXXX ... which is incorrect. XXXX sold my mortgage to XXXX in XX/XX/XXXX.  XXXX is the only mortgage I have and it is not a part of my Chapter XXXX. I pay them over the phone each month on time. The credit report shows my XXXX mortgage was closed XX/XX/XXXX. They also show the last payment I made to XXXX XXXX was XX/XX/XXXX but I have been with XXXX XXXX and have not made any payments to XXXX XXXX since XX/XX/XXXX when they sold my loan to XXXX. The XXXX loan should show as closed out as of XX/XX/XXXX. XXXX and Transunion are also showing that I have a XXXX bankcard thats late and the last payment was XX/XX/XXXX. The XXXX bankcard is a part of the Chapter XXXX and they are responsible for making the payments since XX/XX/XXXX which was when the bankruptcy went into effect. I have documentation to show all of this if needed. Why the reporting agencies hasnt asked for proof is beyond me. With the agencies refusing to correct and update my credit report/credit score, it has caused me to either be denied for credit or pay very high rates. THIS IS UNFAIR AND THE CREDIT REPORTING AGENCIES HAVE REFUSED TO CORRECTLY INVESTIGATE THESE ISSUES AND UPDATE MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documents supporting my rights and violations that have been committed according to fair credit reporting act
Product: Credit reporting or other personal consumer reports

I purchase car with XXXX XXXX XXXX XXXX  on XX/XX/year>, i was making payment on time never been late, the car was paid off, they report 30 days late payment on XXXX XXXX i disputed with experian and XXXX  never resolve. i contact the lender they provide payment history and it shows never was late. they said dispute they cant do nothing i followed instruction but issue never resolve it drop my credit score big time