23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

XXXX XXXX XXXX taken in XXXX was added to parents bankruptcy XXXX yrs ago. Late husband, me and my parents bought home together so Bankruptcy allowed XXXX on their bankruptcy case. Some paymts cashed, others returned. 3 mos. prior to bankruptcy ending, sold loan to XXXX XXXX XXXX, serviced by Green Tree Servicing. Green Tree merged with DiTech recently. Late husband has been dead for almost 12 yrs., but DiTech and Green Tree have been sending letters to my XXXX address to my late husband. When I contacted Green Tree, it initially seemed it would go smoothly, except there 's over $ 2k with Bankruptcy that should have been posted to our loan more than a year ago and no one will file a claim for the money, they refused to give my atty an accurate acctg, and wo n't give me an accurate balance or establish payments. Atty has quit case Also, I remarried and moved to XXXX in 2006. XXXX transferred loan to a XXXX office and changed the acct no. on the loan. Now that loan has been sold, Green Tree and DiTech have been listing my current husband 's home as the lien property, which it is not. They outright refused to correct the information on their correspondences, even though they 've admitted they have the proper lien address in their computer. I am going to call them again and try to get this straightened out, but the bankruptcy has been deemed complete and over a year has passed. We have n't made a payment because we were advised by either the bankruptcy court or the trustee to keep payments until they correct the lien address, which they refuse to do. I believe they are trying to put us in a position that allows them to foreclose on the property. A rep. for Green Tree told me, in a recorded call, that foreclosure would not happen, but would not tell me what the payments would be. Instead, she told me to offer her a payment amount, and then suggested {$500.00} a mo, which is higher than the original payment. At that time, I would n't agree to any amount because they did n't have the correct balance. When our atty at the time requested an accounting of the payments, including a correct balance after the $ 2k-plus has been posted, they returned the $ 2k-plus to Bankruptcy, stating they did n't know what acct the money was to be applied. Since I have specifically spoken to several representatives from Green Tree, they were completely aware of which account the money should have been applied. Green Tree, and now DiTech, has done nothing but give us the runaround. My parents still live in the XXXX property but are old and sick. We want to sell that property and move them to XXXX with me, but can not do that until we are able to straighten out the account with DiTech. Since they refuse to correct the lien address, I 'm at a loss, so I have decided that filing this complaint may help, especially since the recent letters which have been addressed to my now 12-yrs-passed late husband, were sent concerning submitting a complaint about their handling of our account. These letters were sent, according to a DiTech rep, due to recent litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. XXXX XXXXXXXX XXXX XXXXXXXX have violated many laws. 
Section 605, Section 605A, Section 605B.
Product: Credit reporting

I did not authorize hard inquiry that is reported on XXXX XXXX, 2016.
Product: Credit reporting or other personal consumer reports

You have committed a Trespass by way of Material Misrepresentation, Fraud, Negligence, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and, Texas Business and Commerce Code Sec. 521.051. You are a financial institution, and data furnisher who shared, disclosed, and transferred, my nonpublic personal information, personal identifying information, and identifying information to a nonaffilliated third party, and consumer reporting agency without my consent pursuant to 15 USC 6801, Texas Business and Commerce Code Sec. 521.002, and Texas Penal Code Sec. 32.51. You did not legally obtain consent to sale, transfer, or disclose any account information, or nonpublic personal information with any other third party, or nonaffilliated third party as regulated by 15 USC 6802 of the Gramm-Leach-Bliley Act, GLBA. Additionally, you failed to provide me with FULL disclosure regarding your intent to do so. Failure to provide FULL disclosure of material information is an unfair method of competition, and unfair and deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX credit bureaus ( XXXX, XXXX, Experian ) are violating my rights to privacy by reporting on my personal credit, and bankruptcies without my consent. 
Laws violated ; 15 U.S.C. 1681 # 5 15 U.S.C. 1681 # XXXX XXXX CASES AND NUMBERS ; Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

A bunch of inquiries were made without my consent and additionally money was stolen out of my account from my banking account. All of these inquiries were made on the same day and that weekend money was taken out of my account on a holiday weekend. The bank reimbursed me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Yes, it was brought to my attention that my car loan agency decided to contact my ex husband. Which was not put on the loan as a contact at all! Resulting in him using this against me in court. I was only behind two weeks in payment. In my custody hearing with my kids this has caused me excessive amount of damage when it comes down to the custody hearing with my children. With them not having any written consent to consult anything of the sort about my loan with anybody other than the third parties that I listed on my loan, which I know for a fact he was not listed on my loan as a contact. This has costed me more than what's owed on the car payment in attorney bills alone. Just them contacting him through whatever third party method that they found his phone number on and it would be the third time that they have done this.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX  someone opened up online banking accounts in my name. This was without my authorization! I received a debit card in the mail from PNC bank that I did not apply for. The scammed also created a user name and pin to do PNC online banking in my name! Without my authorization. After discovering someone committed fraud against me I went to a PNC branch in XXXX, Pennsylvania. I sat down and discussed the fraud with a bank employee. They were able to see in their system that yes in deed someone opened up an account online using my information. They told me they would stop the account to be used any further and that they would get back to me. I haven't heard back from PNC.
Product: Mortgage

In XXXX of XXXX an escrow evaluation of my mortgage account was performed at my request regarding excess funds in my escrow account for taxes. On XX/XX/XXXX, SPS issued letter to me stated I was to be refunded {$4600.00}. No check was issued until XX/XX/XXXX which I did not received. I have sent several emails and phone conversations to SPS there responds check would be issued. Finally on XX/XX/XXXX a check was issued, I deposited it into my bank XXXX XXXX and the check was returned for insufficient funds. I have contacted them and they state another check is to be issued. I have been waiting since XXXX XX/XX/XXXX for a refund of funds and in XX/XX/XXXX the check that is issued is insufficient funds and return by my bank. I have asked for copies of all phone conversations that were recorded during this time period and they have ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX bankruptcy dismissed, account number : XXXX ; XXXX XXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX has violated my rights. Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction.

Moreover, under the Fair Credit Report Act, this information is incorrect as I do not have ANY active Bankruptcies.

This is the only credit bureau that refuses to remove these inaccuracies and it is a direct violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this as a federally protected consumer, with no third party involved. I have been working for months trying to get negative information deleted from my consumer report. I pulled my credit report on XX/XX/2022 from Transunion, XXXX, and XXXX and I noticed that all three consumer reporting agencies have different information. I contacted all three consumer reporting agencies MULTIPLE times to have this situation handled. I am tired of waiting months on in for them to " investigate '' and claim that the information has been " verified. '' This is unfair to me as a consumer. This complaint is in regards to my XXXX Credit Card with XXXX XXXX. According to my Transunion report that I pulled on XX/XX/2022 directly from their website, it shows a 30 day late payment in XX/XX/2022 and XX/XX/2022. According to my consumer report from XXXX dated XX/XX/2022 pulled directly from XXXX website, XXXX is reporting a 60 day late payment XX/XX/2022 and XX/XX/2022. According to my XXXX Consumer report pulled on XX/XX/2022 directly from XXXX website, XXXX is reporting a 30 day late payment on XX/XX/2022 and XX/XX/2022. There is a huge discrepancy and shows that this information is unverifiable and therefore inaccurate. 

Pursuant to Fair Credit Reporting Act Section 607b, " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This account clearly does not comply with Federal Law. None of the Agencies performed their duties to ensure my consumer report is accurate. Also Fair Credit Reporting Act Section 602 ( 3 ) ( 4 ), " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 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. '' XXXX, Transunion, and XXXX are violating my right to privacy and is being unfair by reporting this erroneous, and inaccurate information to my consumer reports. I am also aware that I am entitled to damages pursuant to Fair Credit Reporting Act Section 616 for willful noncompliance. After multiple attempts of calling numerous customer service representatives and listening to tell them tell me they can't delete this from my consumer report, my patience is completely through. This has caused me a serious amount of stress. I have never received proof of these alleged late payments.
Product: Mortgage

Our home was damaged during Hurricane Ida ( XXXX  ). We received insurance funds from our insurance company in early XXXX. The check was made out to myself, my husband and our mortgage company NFM. We endorsed the check and mailed it overnight to NFM on XX/XX/XXXX, included with the check was a self addressed overnight envelope. 

On XX/XX/XXXX, I contacted NFM to find out the status of the check as we had not received it back yet. At this time, we were told that because our loan was being transferred on XX/XX/XXXX, the check had been endorsed but was sent to the new mortgage company. I was provided the new servicers name, phone number and the tracking info for our check. 

1. As of XX/XX/XXXX we had not been informed- aside from verbally - that our loan was being transferred 2. the check for repairs was made out to NFM XXXX myself and my husband. The new servicer will have no ability to do anything with the check and mailing it to them is simply delaying our ability to finalize the repairs to our home. 
3. as of XXXX I contacted the new servicer and they have no record of myself, or my husband or our loan as our loan has not transferred to them yet. 

We are at a loss about what we can do to get this resolved, and do not wish to assume the financial responsibility of legal counsel unless needed.
Product: Credit reporting

I have recently started monitoring my credit reports and I have found an item in my negative collections portion, it is for a student loan/and or credit card that I never signed up for. It says date opened is XX/XX/2009 at that time I never used XXXX XXXX XXXX which is where it is from. It says the account was transferred and the balance is like {$1100.00}. This is upsetting and this was absolutely not opened by me and I never got to spend this money. Please help
Product: Debt collection

XX/XX/XXXX. 
Midland credit management. 
Amount XXXX Have already paid XXXX XXXX XXXX  almost XXXX XXXX for a debt I didn't owe. 
My identity was stolen from me without my knowledge my XXXX XXXX  used all my personal information to do all these debts. At the time I was married to him I was a XXXX and was a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX He took care of the financial matters. I didn't have a steady job. Inspite of reporting to the credit bureau XXXX XXXX and XXXX, I still am repeatedly harassed by getting letters in the mail that I owe all this debt .and phone calls asking to verify my personal information.my credit has been affecting me to even rent a place to live. I am a single mom trying to take care of my child with needs and can not hold a full time job because of XXXX XXXX XXXX XXXX XXXX

I barely pay my bills with my part time job XXXX hours a week. I have no family or any support. 

In XX/XX/XXXX. My identity was stolen by a scammer online pretending to be an XXXX customer service representative.stole my identity this was reported to the law enforcement agency in XXXX XXXX WA. 
The reference number for the police report is XXXX. 
And for the identity theft reference number is XXXX. 

Please help ASAP. 
Thank you.
Product: Debt collection

contacted by Financial Recovery Services ( XXXX ) regarding XXXX Credit Card balance of {$16000.00}, account No : XXXX dated XXXX/XXXX/XXXX. Never had or done business with XXXX. Obtained XXXX Report and there is no such account. However, receiving threatening calls and letter since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT HAS BEEN DISMISSED AND IS STILL REPORTING ON MY CREDIT AS A DEROGATORY, PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE AND ANY INACCURATE ACCOUNTS THAT HAVE TARNISHED MY CREDIT FILE AND NAME. I DISPUTE THIS ACCOUNT AND ITS ENTIRETY AND I KINDLY ASK THAT THIS ACCOUNT BE INVESTIGATED AND DELETED OFF MY CREDIT FILE.
Product: Mortgage

I 've been making my mortgage payments on time, but in XX/XX/XXXX was unable to pay my taxes. I set up a payment plan with my county and on the last payment, Ocwen set up an escrow and paid the remaining XXXX {$790.00}. I contacted Ocwen, explained the situation and sent them {$790.00} to get my escrow balance to XXXX and then faxed a letter requesting Ocwen close my escrow acct. And, I would make sure to pay my taxes. In ~XX/XX/XXXX Ocwen, sent my county XXXX from my supposedly closed escrow, and sent letters saying that I then owed them this amount. My taxes are XXXX. Freely admitting and in line with my intent to pay, I sent Ocwen XXXX ( my actual tax liability for the property ). Ocwen assured me that I owed them the remaining XXXX and would n't be attributing my mortgage payments to the loan until the escrow was paid off. Their research department was supposedly on it though. After more harassment, I discovered on some of the paper work they had sent me, that the XXXX was attributed to XXXX different PIN number XXXX was my property and the other was my neighbor 's property. I pointed this out to their effective research department and assumed that this would resolve the issue in short order. Not so, though they see it on their paper work, there is nothing they say they can do until the escrow balance is XXXX???? So, they 're moving along with harassing letters, some phone calls, notices on the door, beginning the foreclosure process, marring my credit, all they while they are cashing my monthly mortgage payments and the county tax balance is XXXX. I 've talked to several escalation specialist over a period of months. No resolution. I 've requested to talk to their supervisor, was told I would be contacted in XXXX. It 's been a week, no response and the letters keep coming. I been paying timely on this mortgage for 15yrs. I 'm beginning to pay down the principle and I think they may be trying to bully me out of my house. Or, some internal embezzlement at Ocwen? Some sort of funny business or bad business practice are afoot. I certainly patently tried to work out this issue with them that is clearly their mistake. Is there anyone else experiencing similar treatment with Ocwen?
Product: Debt collection

XXXX XXXX XXXX XXXX showed up on my credit report in XXXX for a laptop allegedly purchased by myself and then again for a judgment for {$2100.00} for said laptop. I wasn't even in the country when this transaction took place and sent the company a copy of my orders for XXXX. I called the company and made my case. I was called a liar so I hired XXXX XXXX XXXX to dispute the file. Freedom could not provide or prove my identity so it was removed from my credit report. Problem solved right? No! 

Today XX/XX/XXXX. I received a credit alert that my score dropped 39 points. A law firm claiming that I owe military credit services over $ 9k. Called.. amazingly someone answered. This account was sold from XXXX to another company security credit services ( who never contacted me ) and sold again to XXXX XXXX XXXX and now sold to another company Foster and Monroe llc. 

16 years later from {$2100.00} to over {$9000.00} and can not prove ownership. Yes they have my information, but I wasn't even in the country at the time of purchase. How is this legal?????
Product: Credit reporting or other personal consumer reports

Sent letter to both the creditors and furnishing companies XXXX did not recieve a response
Product: Credit card

I am disputing the collection account with FIG LOANS TEXAS LLC, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that FIG LOANS TEXAS LLC provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit card or prepaid card

I have had a Citibank XXXX for years. I paid the balance off in full on XXXX XXXX, XXXX. Copy attached. I was suppose to have received a new card due to a fraud breach on Citibank 's systems. I recently received an automated call saying I had a past due balance. I looked online today and it says I still owe {$3.00}. I called and was told that the balance due in full online is not the balance due in full, there is always more interest. I do not see how this is possible, as I would be paying the balance in full and then always have more interested the following month.
Product: Checking or savings account

I have been reaching out to Bank of America for over at least two months regarding the closing on my savings and checking account with an amount over {$20000.00} and I am not getting a response from the company they wont give me any information regarding the account closure Ive called multiple times talked over 20 people. I asked him whats the status of the closure they cant give me any information. We are currently in a pandemic and this should not be legal for a bank to hold your money hostage for over two months and not give you any information
Product: Mortgage

I want to apply for the Cares act forbearance on my home mortgage but my mortgage lender makes it sound like I have repay the lump sum at the end of all this. I copied from their page what it says exactly. I have posted below what they are saying. It is from Guild Mortgage. Thanks for taking the time to look this over. Have a great week and stay safe out there! 

" Yes, the forbearance plan is a temporary relief option. 

The payments missed while on the suspended forbearance plan will become due upon conclusion of the forbearance period. 

We recommend that if you are able to continue making payments during the forbearance that you do so. Please contact us to make arrangements if you wish to make partial payments. 

If your account is impounded or escrowed for taxes and insurance, Guild will continue to pay your taxes and insurance as they come due while you are on a forbearance plan. However, this may create a shortage in your escrow account and an increase to your monthly escrow payment the next time an escrow analysis is performed. 

If you wish to pay escrows/impounds for taxes and insurance during your forbearance period in order to reduce the future escrow shortage, please contact Guild Mortgage to make arrangements prior to sending the amount. 

In summary, forbearance can provide temporary relief from your mortgage payments ; however, at the end of the forbearance, you will have to reinstate your loan by paying all your missed payments in a lump sum or apply for additional options. 

We recommend that you evaluate all alternatives and wait to apply until you determine that you will be unable to make your payment. For example, the CARES Act provides options for no-penalty withdrawals from your 401K. * Additionally, you could file for your tax refund, if you havent already. That way, the assistance options we provide will help you in the months that you need it the most. ''
Product: Credit reporting

On XXXX/XXXX/XXXX I gave permission for Capital One Auto Finance to run my credit. I recently obtained my yearly credit report and i noticed that they ran my credit again on XXXX/XXXX/XXXX resulting in a hard inquiry on my credit report on all the major credit bureau XXXX, XXXX and XXXX resulting a drop of my score. I have no idea why they ran my credit again. I contacted them to ask why did they run my credit and that i never gave them permission and to please remove it. They stated that I need to take my name off a general pre-approval list. I have no idea what pre-approved list they are speaking about.