23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted a previous complaint on XX/XX/XXXX to XXXX XXXX XXXX. I was told by them that I have a balance in my escrow account that I would either like to receive directly or use as a principal reduction on my loan amount. The attached letter shows I have a balance of {$10000.00}. The work is completed and the contractor will not be performing any more work at the property. The lender needs the full and final lien waiver from NACA as specified in the letter. 


Sent on XX/XX/XXXX A few years ago I had used a organization called NACA to obtain a affordable mortgage. I was able to have success using this process as I was able to close on our property in XX/XX/XXXX. The service provider that provided the mortgage through NACA was XXXX XXXX XXXX. The issue I have is that I used the HAND process through NACA to perform renovations on our property. During this process the NACA Hand Department was very difficult to deal with. This issue I have is that I did not use all of the funds that was allocated yet I am still paying a mortgage on the full amount of the renovation loan. The total amount of this loan that I suspect is still in escrow somewhere is around is between $ XXXX {$15000.00}. I am unsure of the exact amount. If possible I would like to have the balance of these funds returned back to me. I submitted a complaint to the company but did not reach a adequate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out an application for rental with Re-max Advantage in XXXX, XXXX. I was denied a rental based on the information from XXXX XXXX stating I had no prior rental history. The agent there XXXX provided me a denial of housing based on my rental history and kept my application fee. I requested an XXXX XXXX  statement because I have no priors of a bad rental history and my credit score is excellent. I got a denial letter with fraudulent information that could be damaging to my rental reputation with companies using XXXX XXXX in the XXXX or surrounding areas. I had my credit pulled in search for housing from XXXX, and the credit report pulled my correct rental history and credit score over XXXX in the last month. The letter sent about my rental history is completely inaccurate compared to XXXX and XXXX. My credit listed on the XXXX XXXX  you sent is displaying a XXXX, so it's hard to believe that I would have a bad rental history with that score. I spoke with my old property manager and was that no one contacted the property for verification. I also provided Remax Advantage with copies of my recent credit report. There is a rental listed on my application from a property XXXX XXXX, XXXX XXXX  that I've never lived at per XXXX. I recently relocated from XXXX, XXXX  and resided at a property there for 4 years that was not listed on the report. I filled a complaint with XXXX  against Remax Advantage, provided them with my most recent XXXX report and was still advised my rental application was denied based on my rental history from XXXX  XXXX  visibly showing different on my XXXX report. I would like my application fee of {$75.00} returned back as well. I provided accurate information about my last 3 year rental history with Remax.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows hat the account was in arrears on XX/XX/2017 to XX/XX/2017, for 30, 60 and 90 days respectively. This is inaccurate, and this should be removed from my credit report/ need a trade line deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back over seas has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 


Account name- XXXX  XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX  XXXX Account # XXXX Account name- XXXX XXXX XXXX  Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name XXXX XXXX  Account # XXXX Account Name- XXXX XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, 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. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, TRANSUNION, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three  credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Debt collection

SPRING OAK LLC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my credit monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$870.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized and fraudulent accounts that has been opened in my name. I recently discovered these fraudulent accounts on my credit report and upon further investigation, it is evident that these accounts were opened without my knowledge or consent. Below are the details of the fraudulent account : Account Type : XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Account Type : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I reviewed my credit report and noticed the presence of an account that I did not recognize. Upon further investigation, it became clear that these accounts were fraudulently opened in my name. I have never applied for any accounts and I have no association with these account whatsoever. In light of this fraudulent activity, I am requesting the following actions be taken immediately : Remove the account from my credit report : Ensure that this fraudulent account is removed from my credit report with all major credit bureaus. To assist in your investigation, I have attached the following documents : A copy of my identity theft report from the FTC. A copy of the police report. A copy of my driver 's license or government-issued ID. Please consider this matter with the utmost urgency. The fraudulent account is negatively impacting my credit score and causing significant distress.
Product: Mortgage

Complaint Against Green Tree Servicing LLCSee Case # XXXXCOMPAINT HISTORY : My Credit Application was declined XXXX/XXXX/2013, by Green Tree for a XXXX ( New Owner ). ( Still within the 2-year statute of limitations ). 
Green Tree Adverse Decision Letter to me did not provide specific reasons for the decline, as required by law. Their Adverse Letter to my wife and I cited : " E. OTHER - Outstanding credit conditions associated with your loan approval have not been satisfied ''. I had no accounts, past or present, with Green Tree. Green Tree would not reply to my XXXX Certified Letters requesting that they provide specific reasons for decline. 
I submitted a complaint to CFPB, providing support for all the above. Green Tree did reply to the CFPB inquires. You can read their response in the file. Net/Net : Green Tree had the property in their portfolio with the person I was buying the property from. They mistakenly classified my request for a new loan as a refinance request from the existing owner.. Had Green Tree been compliant with the law requiring prompt & specific reason for the decline, and/o, r if they had responded to my XXXX certified letters asking the same, I would have been able to clarify. Since they did not, I was required, after their long delays, to find another lender. I lost XXXX basis points in rate, had to increase my down payment by $ XXXX and go with a 15 year term as opposed to 30 year term they confirmed to offer, subject to credit approval. 
REQUEST : The CFPB did not appear to take much interest in my original complaint. Now, Green Tree has agreed to a $ XXXX Settlement to affected consumers who were the victims of illegal loan servicing and abusive collection practices. Even though I am not one of their customers, the same type of servicing error, caused me the damages, specified above. 
Read the file, you will be amazed. I want to be included in the settlement. 
Oh, not related to the law suit, my wife and I did get a letter from Green Tree this past weekend. Green Tree 's Notification to my wife and I of a security incident that may have compromised all my application information, including social security numbers and other personal data. 

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

My information on my  XXXX  credit report is not accurate.     It shows that I paid late on my mortgage with  Banco Popular  multiple times.  XXXX    XXXX   was the servicer during that time . Banco Popular b egan servicing the mortgage on  XXXX     2015. Th ere are multiple  30, 60, 90 and  120 day lates on my credit from before  Banco Popular bega n servicing my mortgage.     These should not be on my credit. Please verify the date  Banco Popular  became the servicer and if any payments after they began servicing were late.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX, XXXX, and Experian on XX/XX/2023 its been over 30 days. I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.
Product: Vehicle loan or lease

I purchased a XXXX vehicle in XXXX and was overcharged for the sale and price and forced to pay GAP AND Service Contract. In addition, my vehicle was fraudulently repossessed and the vehicle was auctioned off and I have repurchased it, at a higher price that I agreed to pay off the vehicle, before Wells Fargo sent a tow company to steal the vehicle back, without any paperwork. The vehicle was stolen from my home, without any warning or contact from Wells Fargo.
Product: Debt collection

I rented an apartment and kept getting sick along with my daughter, and my granddaughter. I asked the management about mold and they swore up and down it was n't any mold and they stated no, the doctor told me I had to get it removed or I had to move. I had to send a sample to the lab and it came back XXXX kinds of mold including XXXX, I told management and they denied it up and down even though I almost died. I moved and had to secure another place to live. I shared this information with the Management and they said I had to pay them {$3400.00} I did not owe them anything I as well as my family almost died and they forwarded all of my personal non-public information to CARTER YOUNG, INC. and they are reporting on all XXXX of my Credit reports this is IDENTITY THEFT and I did not give them permission to contact me pursuant to 15USC1692c and they feel as if I owe them when they owe me for almost killing me moving my family into a mold infested place to live. 

This is definitely 16CFR603.2 and these CORPORATIONS are going to have to stop this bad behavior, if more CONSUMERS say something this non-sense will stop. I do not feel as if I have to die to stay in somewhere there is mold and I have the proof they moved me into a bad moldy situation and should talk with people about moving into that bad place but I have been cool and calm. This is just bad business, no matter who is doing this I am a woman and do not have to be subjected to this.
Product: Checking or savings account

XXXX XXXX accidentally double charged my account on XXXX XXXX in the amount of {$62.00}. I immediately reached out to XXXX and they stated they would put the request in but it will not get looked into until Monday, XXXX XXXX. I can see that XXXX is reimbursing the funds but as I spoke with my bank today, XXXX XXXX. They want me to PAY the overdraft fees first then they will give a courtesy of having it removed. Not to mention they gave me 5 overdraft fees for this. In the total of {$35.00} per fee. Totaling {$170.00}.
Product: Debt collection

Capital recovery has called my home number at Least 100 times trying to collect a debt from someone who used to have my number. I have requested them to stop and they keep calling and calling. I have no idea who they are calling for and I have no bad debts. 
their number XXXX
Product: Credit reporting or other personal consumer reports

Southwest Recovery Services is on my credit file report as an entity I owe. I have not consented to doing any business with them, ever. I have requested them to validate the debt they are claiming I owe them, and they refuse to do so, thus violating 15 USC 1681 ( b ). Southwest is willingly participating in inaccuracy reporting practices, and it needs to stop. The adverse reactions they have taken against me are fraudulent., and they have caused damages to my credit file. I do not consent to them making false report inquiries on my credit file. They also are in violation of 15 USC 1692 ( e ) by falsely posing to be an attorney when they are debt collectors. The harassment needs to stop effective immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Ally Financial, the furnisher of information to the credit bureaus ( XXXX and XXXX  ) on XX/XX/XXXX and XXXX XXXX ( even though the date was misprinted ). In both letters I asked that they are in possession of any document that they believed authorized the inquiry to produce the document. In a phone call on XX/XX/2018, an individual claiming to work for Ally Financial stated that they were in possession of two applications from an auto dealer for credit. I asked if the applications had my signature on it. She said " No. '' I said if I have not signed it you do not have authorization and since you can not produce a signed application, you can not verify that the transaction was initiated by the customer. The Ally employee tried to tell me that I had to speak with the auto dealer directly, but the FCRA states that the furnisher of information " Ally Financial '' has the obligation to maintain these records and has the capacity to remove this unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have violated my rights. 

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 an account without my written instructions.
Product: Vehicle loan or lease

On XX/XX/XXXX I traded in a XXXX XXXX XXXX van at XXXX XXXX Dealer. The XXXX dealership sent a check to Chrysler Capital to pay off the loan on the XXXX of XXXX. Chrysler Capital signed for the check on XXXX of XX/XX/XXXX, see attachment 1. 

On XX/XX/XXXX Chrysler Capital took a payment of {$540.00} out of my checking account for the van. I made about 15 to 20 calls to Chrysler Capital to get this resolved with no help. Yesterday I received a letter, see Attch 2, It states that they did not consider it paid in full until XX/XX/XXXX. 

Yesterday I also received a check from Chrysler Capital, see Attach 3, for {$270.00}. 

The problem I have with this is they received the payoff check 5 days before my payment was due but took them 27 days to consider it paid off. I should have received a check from them for {$540.00}, that is the amount they took out of my account after they received the pay off check. Instead the check was {$260.00} short of what the owe me. 

Thank you for your help, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX Georgia # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 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: Credit card or prepaid card

I recently discovered that Citi has been charging me a monthly fee for a " Payment Safeguard Protection '' program that I did not enroll in. I contacted the company and they have canceled my enrollment but were unwilling to refund me for the unapproved charges.
Product: Credit reporting or other personal consumer reports

discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XX/XX/XXXXXXXX