23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I feel that Midland Mortgage, a Division of MidFirst Bank is threatening foreclosure that pertain to the documents I will be attaching to this complaint. 

My husband and I are quite wary of what we comprehend after reading the letter and documents. 

Also, to mention that in the process of researching Records and Archives at County, we did find out that the letter that was sent to us in XX/XX/2011, was a bogus letter sent to us from the Midland Mortgage. The address on it has XXXX 's name, but the address under the name belongs to the Midland Mortgage, a Division of MidFirst Bank. 

My husband and I suspected, back in XXXX through XXXX, when the VA placed the property on XXXX, that the mortgage company would wait until the last minute to send us the " mortgage assistance '' documents. And here we are in XXXX ; and they just now mailed us the documents. Not to mention, a mortgage we should not have been paying them; had they done it the legal way there would not be an issue. 

We are very wary of the wording on the documents. It seems that they want us to pay upfront to qualify for assistance. ( We should not have to pay upfront for assistance. ) And we understand that if we don't pay, or if we don't cancel because we can't afford to, either way they will proceed to file foreclosure on us. 

Meanwhile, the only communication we have received from them have been the responses to our complaints and reports. 

We do not need to pay for help with forbearance options. We should steer clear of scams, especially offers to help that come with upfront fees - whether the offer is for our mortgage or other services, like with credit repair.
Product: Payday loan, title loan, or personal loan

I took a secured loan with OneMain Financial in XXXX, Nevada on XX/XX/2019. My vehicle was used to secure the loan. I was to receive a loan for {$10000.00}. The funds were to be deposited in my checking account the following day. When the funds were deposited I saw the deposit was for {$8800.00}. I called the OneMain office and was told that a loan origination fee for {$1200.00} had been deducted from the loan proceeds, for a whopping 13.79 % fee up front, on top of the 30 % interest rate. 

When completing the loan documents in their office it was all done electronically, no ink signatures. Simply put the OneMain attendant briefly reviewed the documents on a computer screen, and would advance from document to document. I would not have ever approved an outrageous {$1200.00} loan origination fee on a $ XXXX loan! Either that document wasn't there, or just as likely the attendant just advanced right by that document. OneMain never gave me any documents until I called them to complain, and the electronically signed documents were overnighted to me the next day. The are in violation of Nevada NRS 675.360.1 as applies to loan origination documents. 

I sent a registered letter of complaint to OneMain 's corporate office at XXXX. XXXX XXXX, XXXX OH, XXXX on XX/XX/. I received a call from their corporate office approximately a week later, they apologized for the confusion, and failure to provide me the loan documents, but they had no plans to waive the loan origination fee.
Product: Bank account or service

On XX/XX/2017 I withdrew a certain amount of money from XXXX of my checking accounts at TD Bank, but when I withdrew the money they double the amount they give me and overdrew my account and now I am in the negative and have NO money to feed my family
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX PHH Mortgage Regular Mail : PHH Mortgage Services Attn : Loss Draft Correspondence XXXX XXXX XXXX XXXX, OH XXXX Overnight Mail : PHH Mortgage Services Attn : Loss Draft Correspondence XXXX XXXX XXXX XXXX, OH XXXX Re : PHH Mortgage On XXXX XXXX my primary residence was badly damaged from the creek fire. PHH mortgage which services my mortgage account obtained an insurance company to cover the loss and issued a payment for {$380000.00} to rebuild. I obtained a contractor XXXX home builders along with XXXX and XXXX XXXX XXXX and XXXX XXXX. Permits where obtained and construction started in XX/XX/XXXX. Around XX/XX/XXXX the project was halted due to a correction discovered by the County inspector. The project has since been at a standstill since then and PHH mortgage which has the remaining {$190000.00} in an escrow account is refusing to release additional funds to make the necessary corrections in order to complete the project. I have been reaching out to them since XXXX XXXX in order to explain the situation and have a small portion of the funds released to get the correction complete and get us over the 50 % status in order to get a larger portion of these funds to move forward. I have hired an attorney XXXX XXXX to handle the matter but it has been a huge financial burden for me. I continue to make monthly mortgage payments for my house while living elsewhere. I can not continue much longer as things are and need assistance urgently. 
Having lost all my personal belongings in the fire. Becoming homeless overnight and struggling to keep my job and sanity. If your office can assist me with this matter it will be very much appreciated. I can be reached via email and phone and looking forward to a response. 

Best Regards, XXXX XXXX XXXX
Product: Debt collection

XXXX is stating that I owe over {$600.00} dollars in debt to the XXXX XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX XXXX and they do not show a balance on my account. I do believe I paid them slightly past the due date but I did call and settle the bill with XXXX. XXXX is stating that I will still owe the money with them and it could affect my credit. If XXXX shows no balance than there is nothing to report on my credit and no reason that medicredit should still have reason to call my wife and I four times a day.
Product: Mortgage

Our VA mortgage on our primary residence was owned by XXXXXXXX XXXX. After Covid caused one of us to drop to part-time employment, we used the CARES Act to suspend payments on the mortgage for 12 months. At the end of the 12 months, we completed a partial claim through XXXX XXXX for the full amount due ( {$28000.00} ). This brought the account current. The partial claim was executed XX/XX/22 and recorded XX/XX/22 ; the document was not in our possession during the delay in recording. 

Our mortgage was sold to Carrington some time in XXXX. Carrington claims it never received information about the partial claim from XXXX, and immediately began sending us letters that we were {$28000.00} behind on payments and about to face foreclosure. We called more than a dozen times to explain that the balance had been covered by a partial claim. We also had XXXX re-send the partial claim documents, and we eventually got the partial claim documents and sent them to Carrington ourselves. Most of the people we've spoken to at Carrington are unable to even understand what the issue is. Occasionally we will get someone on the phone who seems to grasp the problem and asks us to send some documents, which we immediately do, but we can never get the same person back on the phone again. Carrington representatives will not give us last names, email addresses, direct dial numbers, or any other way of reliably reaching them, forcing us to start from square one on the general customer service number every time we call. 

We made our first mortgage payment to Carrington on XX/XX/22, and have paid on the first of the month every month since. Carrington 's website and app don't work ( we just get a message that " there is a problem with your account '' ), so we have to call in to request our balance and authorize an electronic payment. We have always paid the full amount that we are told is due. 

Our credit scores ( mine and my husband 's ) recently dropped more than XXXX points, from the 800s to the high 500s, based on reports from Carrington that we are {$29000.00} behind and have multiple missed payments that are more than 120 days late. We have called, emailed, and faxed supporting documentation to show that we have paid on time every month since Carrington bought our mortgage, and that there was not an outstanding balance at the time the mortgage was sold due to the partial claim. We continue to receive no response, and additional late payments continue to be reported to the credit bureaus. Neither of us has ever had a single derogatory mark on our credit.

Documentation of the partial claim, and a printout of our payment history from Carrington, are attached.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

these are unauthorized inquiries, and these transactions are not related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this account multiple times and have not received the proper updates. The dispute started in XXXX of 2022 and it still has not been reflected in my credit reports from TransUnion and XXXX as being disputed. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishes of information to consumer reporting agencies- ( 3 ) as the account was not noted as being disputed within 30 days. Additionally, 15 U.S Code 1681a ( 2 ) ( A ) I states that transactions should not be included in a credit report, but this late payment is still being reported, resulting in another violation of the US code.
Product: Checking or savings account

I have a spend checking account with Credit Karma throught XXXX XXXX. They frozen my accounts for 5 days now. I've tried everything to get them to unfreeze it but they've given me the run around. I've seen multiple stories about the Credit Karma app closing accounts unexpectedly. Thousands of people are out of money.
Product: Debt collection

LVNV have aggressively tried to collect an alleged debt they did not validate. They purchased this debt without properly notifying me of the action. The refused me of my right to dispute. This debt buyer company thinks they are bigger than the law. They have tried to coerce payment on several occasion through consistent emails demanding a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I contacted Equifax concerning in accurate information with a Chapter XXXX Bankruptcy on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no changes to my credit file. I sent a request a letter of Verification Method for EQUIFAX and they responded that they got there verified information from a 3rd party, XXXX XXXX. There use of a 3rd party agency instead of the Federal court shows the negligence in reporting verified accurate information. 

Furthermore, I contacted XXXX  Illinois District that Equifax did not verify the documented information with the court which would have shown inaccuracy with various items. I have supporting official court documents in my possession that show the numerous inaccuracies reported by Equifax. I believe they did not do there due diligence in verify the information regarding what is being reported by there credit agency. 

Finally, on XX/XX/XXXX, I initiated another complaint of inaccurate data being reported on an alleged Chapter XXXX Bankruptcy on my Equifax Credit File and I did not get a response with the 30 day time period. Equifax finally responded on XX/XX/XXXX and stated the same that the information was verified per XXXX XXXX. 

I am requesting you enforce my rights and have EQUIFAX delete the Bankruptcy from my credit file due to inaccurate information and there failure to verify the reported data. This is nearly 2 years of Equifax being evasive and unfair in working with me to rectify the inaccurate data on my credit file by demanding a Deletion of the Chapter XXXX Bankrutpcy, fin addition there are no other accounts associate with the said bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

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

I have XXXX accounts reporting on my credit reports with inaccurate information regarding date of last activity and payment history. Accounts are as follow : XXXX  XXXX XXXX ( XXXX seperate accounts ) XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am XXXX XXXX XXXX and the reason I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Student loan

Due to financial hardship I was in a status called forbearance and deferment for over 12 years. Navient allowed this process to continue until 2 years ago. I was told I could not postpone the process any longer. I filed bankruptcy in XX/XX/XXXX and I was told I could not include any of my student loans with Navient. I got a Divorce and lost my home and relocated to another state to start over. I am a Veteran of the XXXX XXXX XXXX XXXX and is currently living with a friend to try to help my Son attend college and care for my XXXX year old daughter as a single parent. My XXXX year old veteran of the XXXX has also had to move in with me and she is unemployed. I feel I will be paying Navient until the day I die. I can not afford this and try to rebuild a life for my family with the cost of living as high as it is in XX/XX/XXXX. What help is there for me
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I was trying to sell an antique set of china. I got a buyer who sent me a certified check. Before I continued or did anything with the buyer I went to Chase bank to make sure that the deposited check cleared and there was no way that the check could be reversed. I was assured while I was at the bank that the check cleared and everything was good with the transaction. So I moved forward with the buyer who then decided he did n't want the china. I had a XXXX created and gave him his money back. The very next day Chase informed me that my account was overdrawn ( never happened to me before ) and that the check was fraudulent. 

I then immediately called the bank to see what was going on and to figure out what to do. They explained to me that there was nothing that could be done and it was fraud. I asked them to explain to me the reason they could n't help me especially since there was a bank error involved in the transaction. They said there was simply nothing they could do for a good customer. If there really is nothing they can do then I will move all of my accounts to a different bank who values their customer as well as, and more importantly, tells their customers correct information. I am very disappointed in Chase Bank. Do not bank at Chase they do not value you or your business.
Product: Debt collection

I want to formally write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : NATL RECOVER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX XXXX this account doesn't belongs to me and keeps coming up on my experian report..
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

1 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Debt collection

Earlier this year, 2017, Hunter Warfield contacted me regarding a bill with XXXX XXXX. I was confused. XXXX XXXX was to send me a bill. I asked Hunter Warfield to send me a bill. When the bill arrived by mail, I saw that XXXX XXXX had been sending the bill to the wrong address. I called XXXX and they said that they had already submitted to collection.There was nothing they could do. So for several months I tried to resolve with Hunter Warfield. They were rude, obtuse and finally I got to someone who could help me. I am on a limited income. Therefore, this was quite difficult. It was frustrating and unfair. I finally settled.
Product: Credit reporting or other personal consumer reports

I have been trying to clean up my credit report which has hard inquiries that I did not authorize and credit scores all over the place between the credit bureaus. Who in XXXX runs the credit bureau, are they not responsible to anyone. What do you people do other than providing consumers with pages of forms to fill out in order to complain. What a joke
Product: Student loan

I enrolled in the SAVE plan at the end of XXXX when student loan payments started up again. I have since been making the minimum payment every month since then. I was led to believe that if I made the minimum payment, any remaining interest would be paid in full, as that is what the text of the SAVE plan states. 

I have yet to see any interest covered and it continues to generate. I reached out to MOHELA about this issue on XX/XX/XXXX and received a response back XX/XX/XXXX. The response did not answer my question or address the issue and, instead, was a copy-paste of the details of the SAVE plan. 

I also filed a complaint with the Department of Education on XX/XX/XXXX regarding the same issue. I was told I would receive a response within 15 days. I received a response today XX/XX/XXXX, 66 days after I was told 15 days, and my issue is still not resolved. The response was, again, simply the details of the SAVE plan. The case # is XXXX. 

I am about to make my 5th payment on my loans since repayment began and the money is still going to interest. I refuse to continue to speak with MOHELA as they are a terrible company and have no interest in actually helping their customers. 

Please assist me with resolving this issue as my interest continues to generate and I could have been making payments directly to the principal if the system was actually functioning properly.