23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Mortgage was sold to Green Tree Servicing approximately in 2003? I have experienced many fraudulent actions with them. 
I was told I had to take their insurance because I had let my insurance lapse, that was not true and I had to acquire proof from my insurance company that I had in fact never lapsed. So I won that battle, However : My Mortgage is not a XXXX Loan, It is in Ohio, the home is deeded to the property and Greentree refuses to acknowledge this fact. If I pay an extra each month, they apply it to my next months payment, It clearly states in my Mortgage that any additional payment is applied to my principle. I have also received XXXX statements that have been Higher the following year.I have never seen interest that you have paid go up! I have been collecting amortization schedules each year. The numbers change each year. I have brought this to their attention with no resolution. I turned a claim in to the XXXX, also with no resolution. I would like some help. I did have a Finance Annalist review my amortization schedule and XXXX 's appropriately 5 years ago and they felt that Greentree with misapplying, has created a balance that is approximately {$10000.00} to their favor. I would like to know how to get help with this issue!
Product: Debt collection

I first noticed payments to Navient on my student loans " disappearing '' in the summer of 2017. It had likely been happening for a long time. My fault for not paying enough attention I guess. SOME payments were showing up, and some weren't, even though I always paid in the exact same way ( online ). The money was pulled from my bank, but it was not showing up as paid on Navient 's end, and my loan amount owed was not decreasing. 

I called them, they confirmed that they had " not received a payment in three months '' despite the fact that my bank records proved otherwise. Later, they denied this conversation ever happened. I refused at that point to speak with them on the phone, but would use email only, where it can be documented, and they can't lie. They refused to discuss the loans or offer any explanation or solution, and still refuse to this day. I stopped sending them money, because I'm not paying money to have it vanish, obviously. They sent my loans to collections and confiscated my tax return ( thousands of dollars ) which I needed, because I'm poor. 

Additionally, Navient constantly offered only " forbearance '' when I had no money to pay, rather than more reasonable repayment options. Also, XXXX approved my loans for loan forgiveness, then suddenly, mysteriously " unapproved '' them two weeks later. I am 100 % certain Navient was behind that because they would not get as much money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am filing a complaint due to inaccuracy being on my credit report. There's two dismissed XXXX XXXX XXXXs on my credit report. Letters and request online has been sent to have them removed. Information was submitted incorrectly and resubmitted without my knowledge. There is also a XXXX XXXX on my report that has been requested to be removed letters and request online has also been submitted but it has not been removed. I have advised the bureaus that the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately however no action has been taken. 

Bankruptcy disputes were sent on XXXX XXXX XXXX XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I phoned and tried online access with Equifax to try and freeze my credit report on both days. Both on the phone a number of times and by online access I 've given Equifax all my information and I am thrown off the call or the online form with the message that I can not freeze my account. I had no problem doing a freeze with either XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX, I looked

at my credit report and noticed that there were quite a few discrepancies. I reached out to the bureaus but they have not assisted in removing these unauthorized accounts on my report. Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re-investigate for I am disputing the accuracy of these accounts for the
following reasons : XXXX XXXX XXXX XXXX XXXX  Is a total loss vehicle that was supposed to be removed from my credit report a while back. 
XXXX XXXX XXXX XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX  I believe this collection is reporting inaccurately. - Please remove it XXXX XXXX XXXX XXXX XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX  I believe this collection is reporting inaccurately. 
XXXX XXXX XXXX XXXX XXXX XXXX This is completely inaccurate and inaccurate reporting on my report. 
XXXX XXXX XXXX XXXX have not been given a chance to dispute according to12 CFR 1006.34 ( c ) ( 4 ) ( i ) - The collection agency isalso violating my consumer rights by using false misleading, harassing, and deceptive means. 

Under 15 USC 1681-s2 ( 7 ) ( A ) - the collection agency has no authority to furnish any account to a consumer reporting agency without providing any disclosures required by law which they are in clear violation. I request that you investigate this dispute and take the following action : I Request the account be removed from myreport for this is inaccurate information.

I urge you to handle this matter with diligence and accuracy.

Please see the attachments below
Product: Credit reporting or other personal consumer reports

I have attempted to resolve this issue by reporting the incorrect information, which is negatively impacting my personal life and causing significanXXXX XXXX XXXX. Due to these false and fraudulent entries on my credit report, I have been unable to purchase my dream car or support my family. These items do not belong to me, and I did not authorize any of this information to be included in my report. I am a victim of identity theft. I have included my letter and the FTC report for your reference. If this matter is not addressed appropriately, I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

by the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  XXXX account # XXXX XXXX  Account # XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX  - XXXX XXXX  account XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602. A state 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 ) the Section States no consumer reporting agency may make any consumer report containing any of the following items of information or any other 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 ) ( 1 ) 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 data is inaccurate. I reported this about a month ago and still, they didn't remove it as I authorized please remove these accounts asap.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/year> 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 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 ) ( 1 ) 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: Mortgage

I had a loan with XXXX XXXX XXXX XXXX ; in XX/XX/2015 I was unemployed and was struggling to make my mortgage payments. I found a job after 6 months of unemployment ( at which time my mortgage payments were made on time ). However, when I moved out of state I was going through the process to sell my home ; I contacted XXXX XXXX to let them know that I could not pay my mortgage on time and a rent payment in a different state and did not want to negatively impact my credit score. They told me that since it was an FHA loan that I would not have my credit score impacted by this since I was in the process of selling the house and they would be paid in full. They still reported late payments to the credit bureaus and even changed the locks on my house. After the sale was complete I contacted them about removing these derogatory remarks and they told me that it could not be done, even though a representative told me there would not be any impact. This is seriously hurting my credit worthiness years down the line and impacting my ability to be approved by work credit cards.
Product: Mortgage

On XXXX 2019 I applied to USAA Federal Savings Bank for a refinance home loan. I wanted it to pay off four accounts at XXXX. They were as follows No.1. a home equity loan interest only loan of {$78000.00} and No.2. a personal loan of {$12000.00} No.3 a credit card balance of {$4700.00} and No. 4 another credit card balance of {$4900.00}. for a grand total of {$100000.00}. 
They fixed the loan amount to me to pay is {$100000.00}. 
As of XX/XX/2019 the funded amount to me was {$77000.00} directly to the XXXX and two checks sent to my home. one was for {$13000.00} to be cosigned by me and the bank. The other was for {$8600.00} for my signature only. They hadn't notified me of the amounts. They gave me the final disclosure document with another 100 pages needed my signature and initials on Friday XX/XX/2019 to a notary public. The three day notice for me to cancel the contract was given on XX/XX/2019 and would expire on XX/XX/2019. 
There have been other restricted problems involving the appraisal problem with my pool and needing a lawyer to explain my trust report to them.
Product: Mortgage

I purchased my home in XX/XX/2022 with a 20 % down payment and began making payments. I was told several times I would be able to waive my escrow account once my taxes and insurance for the year were paid. Now they have denied my request and stated the reason why is because of the LTV. They are asking for a 70 % LTV in order for me to get the escrow waived. I have called countless times and the only reason they give me is that they soft pulled my credit and it didnt meet their requirements to waive it until I reached 70 % LTV.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should be held responsible because I applied for a XXXX XXXX credit card on Sunday, XX/XX/2021. The company pulled my credit report and my credit score went down by XXXX points because of it. Once my application was finished I was told someone would get back to me. I received an email stating further information is needed to process my application. So I called the company and was told they would have to pull my credit report again but only after I get my phone number fixed on my credit report so that they can verify its really me. The agency is really being unreasonable because there are a number of ways to verify a person and my credit score is good. Now I feel like my score went down XXXX points for nothing. If this agency could assist me with this matter. I would appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance XXXX : {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX XXXX Owed : {$1300.00} ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; CAMPUS 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

This is my second claim against shellpoint mortgage. My first claim is closed and was unsuccessful. I had several issues with shellpoint in my prior complaint and they did respond but they didnt address how they could add over {$13000.00} to my loan during the pandemic forbearance despite a federal law protecting mortgagers from this. Under the Cares act, mortgagers were not allowed to charge fees or interest during the pandemic forbearance. Im was charged {$13000.00} for signing up for something that I was told was a penalty free helping hand. In shellpoints response, they glossed over this issue. Also, I repeatedly stated that the modified payment plan that was I was pushed into a corner to sign, was not at all what I was told I was signing. I was adamant that the only way I would do this was if there were no repercussions and I could simply add the missed payments to the end of the loan. To prove this, I asked for all my phone recordings discussing this. These would prove that I was 100 % mislead. Also, I had no choice but to sign the new payment agreement or Id lose my house. The agreement that I was told over the phone that I was signing was nothing close to what I actually signed. Again, I want shellpoint to release all of the phone conversations that I had with them during this period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Toyota and they do not have information on the loan and Toyota reports account closed but assigned to a collection agency but have not reported collection agency to credit bureaus please correct collection agency or delete from all 3 credit reporting agency.
Product: Debt collection

I received a phone call from XXXX XXXX who told me that they have a file for HSBC that I owed $ XXXX to. This is the same company that called me aggressively last year threatening me with with criminal actions that would lead to the loss of my family 's Nutrition Assistance and Medicare if I did n't pay them. They refused to verify any accounts or amounts owed. When I looked into the matter, I discovered that the Date of Last Activity for an HSBC secured credit card was in XXXX 2008 with no payments thereafter. When I mentioned the statute of limitations barred any collections, XXXX XXXX stated that " does not stop them from collecting ''.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 ) ( 1 ) 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, credit repair services, or other personal consumer reports

I have a derogatory remark from a law firm in Texas that is a collect agency. That law firm purchased an old Dept from the year 2006 when XXXX XXXX ambulatory services took me unconscious to the hospital. The debt is now 16 years old and I filed a dispute with all 3 credit agencies about it. Of the 3, Experian is the only agency that has failed to take it down and that is after I filed 3 different times with them to have it removed from my credit rating.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX ss # XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX  XXXX ca XXXX Account name XXXX XXXX ACCOUNT # : XXXX I have sent a dispute XX/XX/year> stating this collections must be deleted and removed Company above responded that they sent a validation notice to me and the United States XXXX XXXX indicated that it was delivered. This statement is not accurate when I have never received validation notice and the company has not attached the validation notice in their response THIS IS MESLEADING and FALSE REPRESENTATION 15 U.S. Code 1692e - False or misleading representations I also requested an ORIGINAL PURCHASE AGREEMENT in which I never received in an email fax or mail So this account must be immediately deleted and removed Due to NO DEBT VALIDATION!

15 U.S. Code 1692g - Validation of debts Also company XXXX XXXX XXXX never showed proof of a real investigation. No procedures in case of disputed accuracy! there is no investigation being done by company delete this collection asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code
Product: Debt collection

I XXXX XXXX the federal protected consumer entered a consumer credit transaction with credit acceptance for a vehicle that had a gas leak I had the vehicle for only 30 days with a voluntary repossession. The car was like an XXXX or XXXX and the credit transaction was worth about {$10000.00} and no finance charge listed at all. They didn't give notification that the alleged debt and they were trying to collect. I used my social security card in this consumer credit transaction used for household and personal use. Credit acceptance has violated me as a consumer in the corporation and needs to held legally accountable for their deceptive actions as a debt collector they are. I am requesting the agency to work with me the consumer under the guidelines Fair Debt Collections Practices Act and amendments to the Truth in Lending Act or else I will pursue federal litigation if needing re enforcements on the facts of the federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX changed my car loan agreement without my consent. Someone in their office XXXX  my signature and changed the contract amount to get the car loan from XXXX XXXX who is now reporting on my credit report. I reached out to XXXX XXXX and they sent me documents with the a new payment amount and my XXXX signature for the new contract. I never agreed to the new contract or signed it. The original contract was signed by me on XX/XX/2019 for {$360.00}. They changed it on XX/XX/2019 and XXXX my signature on the new contract with the payment amount changed to {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was closed with XXXX bank and it said XXXX $ i didnt owe anything at the time just never used it however they later on 1 year later sent me to collections I never got a letter or call saying I owed anything I only found out because it popped up on my credit report. The amount was XXXX and I wouldve gladly paid it however they never contacted me I called the company and asked them about it they got all my info and told me XXXX didnt give them a contact number or address. I didnt even get a letter from XXXX  bank saying I owed them. The collections agency is tams/spear XXXX  XXXX XXXX
Product: Checking or savings account

an writing to file a complaint against navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorize. I was charges and credit. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

My car was in an accident and totaled out in XXXX of 2023. I kept waiting for it appear on my credit report as paid off. It was paid off on XXXX XXXX, 2023. I call a couple of times about this but they said everything would be straightened out in 60 days. I looked on the report and they have the account as closed and not paid off.