23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home mortgage was transferred/sold to Rushmore Loan management on XX/XX/XXXX, account number XXXX. I was with XXXX XXXX XXXX until then. I was approved by XXXX XXXX XXXX  for a 6 month forbearance, as I am a XXXX XXXX and was furloughed, is the reason for the forbearance. My forbearance was from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I am to pay {$3600.00} to bring my loan current. Rushmore states they are not aware of any forbearance and stating they are not aware of my forbearance. I faxed and mailed them a copy of my forbearance approval on XX/XX/XXXX. Today someone put a notice on my door that the mortgage payments for XX/XX/XXXX and XX/XX/XXXX are due. I called Rushmore on XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX XXXX and XX/XX/XXXX @ XXXX XXXX. At each call I explained my forbearance circumstances. They continue to state I must make all payments to bring account current and ignore my forbearance. They are stating foreclosure will proceed if payments are not brought current. Can you help me. Thank you in advance for any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Automotive Credit Corp has about placing CPI insurance force place insurance on my account illegally. 

I have sent them several information messages and asked them to please update their system letting them know that I do have insurance for the vehicle purchased I purchased a vehicle in XXXX Ive had insurance on that vehicle from XXXX until the date that I paid it off which would have been XX/XX/XXXX XXXX this company continue to charge fourth place insurance CPI insurance on the vehicle even though Ive sent them several emails several proof that insurance was in place this of course caused me to be late or have missed payments due to them charging me for this insurance that was not needed please see all the proof here which shows that insurance was with this vehicle ever since XXXX Over the past two weeks I've spoken with five to six different people at automotive credit Corp then they told me to contact someone at XXXXXXXX XXXXXXXX XXXX  I have verified all the information I've had my insurance agent sent over insurance documentation shown we have proof of insurance from the date they requested please see all attached this company has been giving me the runaround this company has refused to remove the force placed insurance which is causing me extreme damage financially. 

Automotive Credit Corp stated that I did not have insurance in place from XXXX to XXXX which is incorrect Automotive Credit Corp also stated that I did not have auto insurance on the XXXX XXXXXXXX XXXX from XXXX to XXXX and place CPI illegally. 

I sent the proof of the insurance that they stated I did not have. I have also sent the insurance documentation over 5 different times to XXXX XXXX which is a company that Automotive Credit Corp uses to verify insurance. 
Again this company continues to give me the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, Experian and XXXX. I got a response stating that this item was verified on XX/XX/XXXX. I submitted another dispute letter, Method of Verification, on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I also asked for this account to be reinvestigated within 30 days. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report on XX/XX/XXXX. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately.
Product: Money transfer, virtual currency, or money service

About two years ago, I put up an artificial tree for sale on XXXX. And almost immediately after doing so, a person claiming to reside in Florida wrote to me implying that he was interested in my merchandise and that he would send me a cashier 's check that should arrive shortly. As promised, the check arrived but I was shocked to find out that the check was not {$250.00} as advertised on my XXXX, but much more ; about {$1500.00} more! To be completely honest, I did have my suspicions especially when he/she told me to keep however much I thought I deserved but to mail the rest of the money to another location in Texas but blinded by my circumstances at the time, I shrugged it off convincing myself that things like this do happen. So I complied. I deposited the check to the Bank of America and later withdrew just about {$500.00} with plans to mail it as soon as I had the time to go to a money order facility. A couple days later, my friend who was familiar with posting items for sale on XXXX, informed me that this was a scam and that I should return the money to the bank and explain to the representative about the fraudulent check before it was too late. But when I went to the Bank, they promptly and quite rudely told me that my account was closed without any explanation and asked me to leave. I was infuriated but did as asked and thought nothing of it. But because of this incident, I am unable to open a bank account and now realize the sheer gravity of my mistake. I do n't have any documents to support my claim for it has been two years since the incident and since then I 've changed my phone and phone number multiple times. I swear on oath that my statements are true and would willingly go to Jail if proven otherwise.
Product: Credit card or prepaid card

On XX/XX/22 my credit card was charged for a hair service. When the stylist did my service, I showed the her a photo of black hair with highlights. When she rendered the service, my hair turned out orange. She admitted that she didn't do her due diligence as a stylist to find out how my hair would turn out when she applied color it. I let her know that I was unsatisfied with the service and she told me she wasn't going to fix it and that she could not help me because her next client had just arrived. She would not refund any money. I communicated this information to Chase and they denied my chargeback request stating that the service had been rendered and the charge is valid. The service that I requested was NOT rendered because I didn't receive what I asked for nor was it corrected. Therefore, the charge is not valid. I had to go to another stylist who was more experienced to fix what she did not do correctly. This will take several visits to another stylist and corrective coloring to fix.
Product: Credit reporting

I have challenged the negative items on my credit report stating the obvious FCRA laws with Experian to no avail. The response I was given from Experian had almost remotely nothing to do with my initial dispute letter. I am VERY frustrated and need help with dealing with these bullies who do n't follow the law.
Product: Mortgage

I am a victim of hurricane Harvey in Texas. I was given a generous insurance settlement from my flood insurance company for the purpose of repairing my home. I promptly sent my insurance checks to Fay servicing company to be placed in an escrow account so that I could gradually start rebuilding my home. Fay Servicing acknowledged receiving the two signed checks. Here is the issue, Fay servicing is refusing to allow me to act as my own general contractor so that I can get my home repaired. I have Loss draft information sent from their company clearly stating that I can as my own general contractor as long  as I follow the guidelines established by them and provide adequate documentation receipts and home Inspections done by them. Fay  servicing is insisting that I hire a licensed general contractor to even purchase kitchen cabinets, a refrigerator, tile. Under no circumstances can I make any purchases or repairs without the umbrella of the licensed contractor that they insist on. 

I have asked them to please give me information in writing stating that I must work under a contractor, they have flatly refused. I asked if I could hire my own AC licensed person, they refused. They even refused to provide the initial monies to do demolition to my home which resulted in mold build up, I have not been allowed to replace my AC. 
All of the items that I listed are clearly supported on my adjustors report s things that I need to have done. They finally agreed to reimburse me for the refrigerator and tile after sending me a threating letter that this will never be allowed again, I have the letter to submit to you. 

I continue to ask that the policies they are trying to inflict are me should be sent to me in writing, they state that I am not privilidged to certain sensitive information. I was also told that the any amount left over after repairs were done would be automatically used to pay my mortgage down. My concerns is this, how can that be legal? 

The only resolution I have been able to get from them is another mortgage person who tells me the same thing that the previous one said. 

I gave them a logical reason for wanting to complete my house slowly without a full team of contractors in here, I am currently receiving XXXX for XXXX and I can not withstand the dust, chaos and stress at this time. I simply wanted to complete one room at a time until finished
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize.I contacted the credit bureaus to dispute these hard inquires and requested their removal.Unfortunately, the credit bureaus refused to remove them off my report.This issue is causing undue stress and is negatively affecting my financial standing.
Product: Mortgage

I filed another complaint # XXXX XXXX earlier today. 

I know found out that they did have my insurance info, but for some reason did not upload it or properly acknowledge it in the system. 

I asked why, after spending XXXX hours on the phone with various voicemail trees, various people, on hold, and filing complaints, and they could not answer. 

I want this complaint to continue. The issue is not resolved. 

They had no explanation as to why they didn't acknowledge the insurance I provided. 

Also, they did not confirm they will issue a refund. 

The only way I was able to finally reach someone in their insurance department is to call the main UWM #, tell them I was filing a complaint with the CFPB and tell them that I'm elderly and contacting an attorney, and speaking to someone at UWM who was able to connect me with someone in the insurance dept. This is a total waste of time and a total abuse. I wonder how people who don't have the ability I do to deal with this ever get anything resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


Equifax Employer : XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 Name XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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: Debt collection

The issue with this " company '' is more than just repeated calls, it involves all the other issues that were added as options, but it only let me choose one. I just got a call at XXXX today XXXX XXXX XXXX. But I 've been called before XXXX, after XXXX, and even on XXXX. This is a company that I have spoke to on multiple occasions and after fruitless attempts to explain that I paid my insurance out of pocket maximum and do not owe these medical expenses, I have told them to no longer contact me. And yet they still call ... XXXX times within this past month alone. The number is usually ( XXXX XXXX XXXX, and that will be the number I 'm referring to in my complaint. 

I 've been dealing with this for almost 3 years at this point. They have sent debt collection mail to my in-laws home, which I have never lived at and have no idea how they have their address. This is not something I have ever consented to. Additionally I have been told that if I do n't pay this debt it will reflect negatively on my credit report, even if I already paid my obligatory insurance out of pocket costs. I 've told them to send me information proving that I owe this debt and that they are the ones who are legally allowed to collect on this supposed debt. I have yet to see a single piece of paperwork for either. 

This last call I received is the final straw and is what is leading me to complain. The woman I spoke to was aggressive and accusatory. She called me a liar when I said I had already spoken to both my insurance company AND this company. Obviously I 've been dealing with them for almost three years, I 've definitely spoken with both entities to get this straightened out. 

She demanded that I pay. She did n't ask me to pay. In fact, her first intro to me was, " Will you be paying this debt with a credit card, check, etc ...? '' The amount was for a little over $ XXXX. I told her I was n't paying it at all since it 's not debt I owe. And that 's when she got aggressive. Her voice changed, as well as her attitude. She said that she " knows '' what the insurance company said ... despite accusing me of lying about speaking with them. She claimed that she would be writing all sorts of things down in my " file '' that I never even said. She said the call *may* be recorded and I truly hope it was.
Product: Credit reporting or other personal consumer reports

I was shocked and angered to find that your company pulled my credit multiple times without my consent. These inquiries are seriously affecting my credit score, and the stress theyve caused is unacceptable.
Product: Credit reporting or other personal consumer reports

My credit report contains accounts that are incorrect and do not belong to me. This situation is not only unjust but also concerning, as I have never engaged with or authorized any actions related to these accounts. If these errors are not thoroughly investigated and corrected, I will be forced to seek legal recourse.
Product: Payday loan, title loan, or personal loan

According to the Servicemembers civil relief act Your lender cant add the amount of interest above 6 percent back into the loan later on after you leave XXXX XXXX. My lender supposedly changed my interest to 6 % but it shows on my bill that its 9.9. I contacted them again and they managed to respond in a reasonable time stating that the orders I provided them only gave them the option to change my interest rate to 6 % for a limited time and date. Even though I confirmed with them through email that it should be for the remainder of my bill.
Product: Mortgage

I submitted two payments to Freedom Mortgage on XX/XX/XXXX. I originally submitted a payment for {$1100.00}, but cancelled it once I realized it was for the incorrect amount. I submitted a new request for {$1800.00}, which was the correct amount for my monthly payment ( see attached e-mail confirmation from Freedom Mortgage ). Freedom Mortgage also verified that. ( see attached documentation ) On XX/XX/XXXX, I noticed the mortgage payment had not been deducted from my bank account. I immediately called Freedom Mortgage and made the XXXX payment over the phone, which I thought was paid on XX/XX/XXXX when I received the e-mail confirmation that it had been submitted. I had no reason to think it had not been processed as normal. Freedom Mortgage has admitted that the payment I submitted on XX/XX/XXXX was not processed for whatever reason. I made the payment on XX/XX/XXXX and it's out my control that it wasn't processed. Freedom Mortgage is failing to take ownership that it's their responsibility to ensure payments get processed when a customer submits them on their website. They are refusing to update the credit bureaus due to a glitch on their end with processing my payment.
Product: Credit reporting, credit repair services, 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 need to be investigated and deleted 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 XXXXXXXX Balance Owed : {$25000.00} XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

XXXX I already filed a complaint earlier back in XXXX  with the number above. I was promised a refund from HLP and the company never gave it to me. I called them and they transferred me over to another department and it went into voicemail. I emailed the letter given to me in the response from the previous claim. This company is so bad. I need help making sure that they do their promise to me, and I get my refund.
Product: Mortgage

My Mortgage has been transferred 4 times, the original mortgage was with XXXX. The current service provider is Select Portfolio Servicing. In checking my credit report over the last 19 months that I have been with this company, they have not posted my payments. My loan has not been late with them nor the other service companies. The credit bureaus listed payments ; however SPS says they will not report to the bureau my payments because I filed bankruptcy in 2010. However, I did not file bankruptcy against my home. I have talked to many people over the phone and all state that I have to reaffirm the home. My response is I did not file bankruptcy against my home. They instructed that I would have to get an attorney. Please advise.
Product: Debt collection

Dispute Debt with XXXX XXXX XXXX per Contract Collection Agency has no legal right to collect the Debt. Reporting of the Debt is a Violation of FCRA and XXXX XXXX  is in Breach of Contract by violating the Arbitration Clause. The contract must specially state that you can send my account to a collection agency and it does not furthermore it was paid with Collection Agency which agreed to delete account. You have 30 Days to Delete Charged Off account to avoid further Legal Action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my consumer report frozen because of suspicion of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00}, and XXXX XXXX  XXXX. XXXX Date Opened XX/XX/XXXX XXXX {$270000.00}.
Product: Credit reporting

This amount was previously removed. It was for XXXX account with XXXX. The equipment was returned and XXXX kept saying the matter would be escalated and the amount removed but nothing was ever done. Now it is reported again. Just today I spoke with another agent XXXX # XXXX she hung up on me when she tried transfering my call. I am tired of this issue. I ca n't resolve anything with XXXX. See attached previous response from Collection agency.