23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing today due to ongoing difficulty with attempting to get private mortgage insurance reviewed and possibly removed. 
Below I will provide a timeline summary and a request for resolution : XX/XX/XXXX - I closed on a home mortgage with XXXX XXXX  in the amount of {$84000.00}. 
The home was appraised for $ XXXX- which at closing, the Loan to Value ( LTV ) ratio was 77.8 %. 

XX/XX/XXXX - My Home mortgage was sold/transferred from XXXX to New Rez. 

Based on ongoing promotional email documentation received via email from Newrez, a valuation was conducted in XX/XX/XXXX with recent property sales, property characteristics and sales trends in my area to estimate the value of my property. 

According to Newrez, as early as XXXX XXXX and as recent as XX/XX/XXXX, the valuation showed that the estimated market value of my home is estimated @ {$140000.00} with a current mortgage loan balance of {>= $1,000,000}. 

I have contacted NewRez on 3 separate dates requesting consideration for PMI to be removed. ( XX/XX/XXXX XXXX, and XX/XX/XXXX ) Initially, I was informed that an evaluation would be conducted and I would receive correspondence in the mail. To this date, I never received the correspondence in mail. 
I returned a call back to NewRez, sometime mid XX/XX/XXXX, and was informed that a request would be opened ( XXXX # XXXX ). I was informed that the process takes up to 12 days to complete and that I would received correspondence in the mail. To this date, I never received correspondence in mail. 

My last call with Newrez on XX/XX/XXXX, I was informed that PMI is not reviewed without an updated appraisal. I would have to incur a fee of {$150.00} for an appraisal and that forms would be emailed to me. 

To this date, I have yet to receive any paperwork via mail or email from NewRez. 
My concern at this time is that m mortgage carrier may be accumulating unearned premiums. 

Upon purchase of the prowess in XX/XX/XXXX the LTV ratio was very close to 78 %. 
Statistics show that home values across the board have historically skyrocketed since that time. NewRezs own data and promotional marketing materials confirms the same. 

Its very concerning that during the same timeframe that NewRez is constantly reaching out to me via phone and email to inform me that my home value has increased enough for a consideration of a secondary ( HELOC ) loan, is the same time period that they are also informing me that I need to incur an additional fee in order for them to provide due diligence and cancel a private mortgage insurance that is clearly unwarranted based upon their internal valuation of my home equity and market value. 

Im writing today to request assistance with resolving this matter. 

Im kindly requesting the following : The immediate cancellation of PMI based off of current data- and without the need for an additional appraisal.Im requesting review and return of any/all unearned premiums. 

Thanks in advance for your time and attention regarding this matter. 

I look forward to hearing from you soon. 
XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Capital One Auto Finance sent me a 1099c Cancelation of Debt form to file with the IRS but have recently placed my account in delinquent status. If the debt was discharged and and a cancellation of debt form was sent to me, then I should no longer be liable for any balance of the account. My credit score dropped over XXXX points for Capital One incorrectly reporting this information to the credit bureaus. I have tried to solve this issue with Capital One, but the agents do not seem to know about anything that I am speaking about. If I still have to pay taxes on the debt to the IRS for the cancellation of the debt, the debt should show as canceled and no balance should be shown. I was sent the 1099c Copy B on XX/XX/2023 but this delinquency was reported on XXXX XXXX. I will upload a copy of the 1099C form that I was sent, and I want this to be resolved and the balance to be XXXX out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint through the CFPB to inform the Credit Bureaus that they have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the fraudulent information on my Credit Report. I have been sending dispute letters to the Credit Bureaus from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my Personal Information. The items I am deputing resulted from the theft of my Identity and neither did I received anything in exchange nor benefits as the result of the Identity Theft. The Credit Bureaus are required to remove the items I am Disputing under the Fair Credit reporting Act section 605b, however, the Credit Bureaus have failed to do so. I am once again, requesting that the Credit Bureaus to immediately delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

My cell phone has been robo-dialed at least six times since XX/XX/XXXX by the junk debt buyer Portfolio Recovery Associates. 
They are attempting to collect on a debt that has been time-barred since XX/XX/XXXX in the state of Delaware ( XXXX XXXX XXXX, the original creditor 's, state of incorporation ) as well as time-barred since XX/XX/XXXX in the state of Florida ( where I have continuously resided since XX/XX/XXXX ). 
This is in violation of the Fair Debt Collections Act in Title 15 of the US Code, the Consumer Financial Protection Act in Title 12 of the US Code, and the Telephone Consumer Protection Act in Title 47 of the US Code. 
This is also in direct violation of the Consumer Financial Protection Bureau consent order # XXXX.
Product: Money transfer, virtual currency, or money service

I have an account with eToro app. I use this app to purchase crypto currencys. For more than 5 hours I could not login to app to utilize services and therefore protect the money I have invested. Furthermore, the offline service that eToro has provided was not responsive. This company app has failed to provide service when I needed the most.
Product: Debt collection

I never received any notification of the debt, I just happened to check my credit report and saw a collection for {$1500.00} from Sunrise Credit Services on behalf of XXXX XXXX. I paid said debt and it's still showing that it's unpaid and has pull my XXXX Credit Score down.
Product: Mortgage

From XX/XX/XXXX to XX/XX/XXXX, Wells Fargo Home Mortgage/American Servicing Company, Repeatedly, had us completing Home MOD Documents, every three months, and denied us every time, as we fellook behind on or mortgage ddue loss of income and excessive medical bills, Wells Fargo/ASC forced us to fill for chapter XXXX bankruptcy on XX/XX/XXXX which was accepted, On XXXX XXXX, XXXX Wells Fargo/ASC, sent their vendor and had our front door locks top and bottom drilled out, placed new locks on our front door, as well not leaving a key, but also leaving ore front door completely unlocked, after we had filed for bankruptcy. PLEASE HELP! DUE TO THEIR FRUADULNT PRACTICES WE HAVE LOSS OUR HOME, WE OWNED SINCE XX/XX/XXXX
Product: Debt collection

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT L J ROSS ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious L J ROSS ASSOCIATES INXX/XX/XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XX/XX/XXXXStop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus : These inquires were never authorized by me and there appears to have been some sort of improper practice of procedures without permission. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries ( some by the same companies again and again ) have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life. Here are the companies and dates of occurrences : XXXX : The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized 700 CREDIT/CLASSIC CAD Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized EQUIFAX Date of inquiry XXXX XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Equifax : The inquiry XXXX not authorized FACTUAL DATA Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized FACTUAL DATA Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXXXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I applied to sofi personal loan of an amount of {$30000.00}. Sofi website also stated " no fees charged, no origination fees and no late payment fee ''. After my loan was processed and I was approved. I saw sofi charged an origination fees of {$2900.00}. I called them immediately on XX/XX/XXXX to cancel my loan before it was funded but sofi did not canceled. I called several times on XX/XX/XXXX to again tell sofi to cancel my loan and waive the origination fees but nothing was done. Sofi funded {$27000.00} into my checking account on XX/XX/XXXX and I returned the money back to sofi on XX/XX/XXXX since I did not need the loan. I called sofi again and one of the representatives told me a supervisor would call me within 48hours but no one from sofi called. After 24houts I called again to speak to a Sofi supervisor and the representative told me their system is not working to transfer me to a supervisor.
Product: Vehicle loan or lease

On or about XX/XX/2021, I was seeking refi rates on my mortgage and truck. I filled out a refi application with Penfed to find out the rate. I also opened a savings account with {$5.00}. I decided to refi with my credit union in XXXX, FL XXXX XXXX XXXX XXXX who I have done business since the XXXX. Penfed created a fraudulent loan and fake liability in my name, which they have no business with. They are harassing me and have falsely put themselves on my insurance and have had numerous credits inquires made in malice. 
For some reason they believe they have a loan, I told them their rate wasn't lower and went with the best lowest interest rate. What they have done is beyond the threshold of criminal.
Product: Debt collection

XXXX XXXX, LA XXXX Ad Astra Recovery XXXX, KS XXXX Account # XXXX Dear Ad Astra Recovery, I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to nd any documentation of any contractual relationship between ( name of company ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verication or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certied copy of an original contract, with my signature, specically naming your company as a person entitled to enforce a commercial claim against me. Certication can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( name of president ) and ( name of company ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will le a complaint with the Attorney General and Federal Trade Commission, and le a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the State Bar Association and XXXX for code of ethics violations. Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion took off the worth finance company from my credit report finally. My credit score went up a little and that lasted two weeks. as of today my score went down 104 points and my amount of debt went up more and it never changed when with XXXX finance was removed even then is wrong. so my score went down my debt went up and I have no new accounts trans unions should no accounts open or applied for. my debt is not XXXX and it is not XXXX. I've already called TransUnion about the inquiries and was told I need a letter from the companies stating they would remove it but I would need to contact every company to let them know it was related to fraud. I have 95 hard inquiries some of which are the same company repeatedly running my credit in one day. at least half should have been removed on its own just because it was placed on my report two years ago therefore it should come off without me going through this mess
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for my first Citi card in the branch of XXXX, CA XXXX. A Citi ThankYou Premier Credit Card, which would land me XXXX ThankYou points for {$4000.00} in spending over 3 months. At the time when I applied, I shared the concerns with the banker ( female, XXXX ) that spending {$4000.00} in 3 months may be a fickle given the outbreak of COVID, she then said : Citi is likely to offer certain benefits to minimize the issues. 
Then my first contact to Citi Customer serivce 1 month prior the offer ends ( end of XXXX ), Agent confirmed the customer whove applied for a new credit card between XX/XX/XXXX through XX/XX/XXXX can receive three more months to earn the welcome bonus. 

I then escalated to supervisor just for sure. After supervisor had also confirmed the offer for an extension of three more months ( The expiration date will be updated to XXXX. ) I have no issues checking the status of spending untill XXXX XXXX when a citi agent said she couldn't find any extension attached to the credit card, thus the promotion is expired! 

The second contact with Citi again on XXXX XXXX and explain the situtations with a customer service agent, she then apologized for the misinformation after she checked with other departments, claimed : no such offer was given. 

A supervisor was being involved, she then confirmed an extension request was made back in XXXX and it is still valid. ( which was a mindblowing experience ), I was able to have her name : XXXX, and her position : Account supervisor, to be sure. 

The third contact with Citi on XXXX, I talked to a supervisor just to confirm the extension, she confused and said nothing was showing on her side ( Rising the discrepancy of the policy ), she can only offer XXXX reward points as an apology for the mis-information. 

Moreover, it is ridiculous for such time-consuming conversations, since they have voice-recording policy everytime when I speak to a supervisor, which just an undeniable fact that they ignore the fact intentionally and cause a painful experience to customers. 

Overall, I have been given the wrong information over and over again, yet Citi can't even communicated well on this, I've found XXXX reported the extension policy in XXXX ( https : //www.cnbc.com/select/coronavirus-credit-card-sign-up-bonus-extensions/ ), which Citi is included, I also collected evidences from my friends and myself showing they have made such statement. Please refer to the documents attached.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a complaint # XXXX Re : XXXX charging my credit card a {$50.00} " restocking fee '' for a phone that I bought on XX/XX/XXXX and returned to the same XXXX store on XX/XX/XXXX because it did n't work as promised. On XX/XX/XXXX I got another bill from XXXX advising me that they plan to auto bill my Barclay card for {$25.00} on XX/XX/XXXX. I called Barclay today and disputed this new charge. The case number is XXXX. I have emailed XXXX XXXX disputing both the {$50.00} " restocking fee '' and this new {$25.00} mystery charge. 
I DO NOT have a XXXX account, a XXXX phone, and I DID NOT authorize this mystery fee of {$25.00} or any other charges since the day I returned XXXX 's phone and closed my account, and ended forever my no-contract cell service with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY REPORT, I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT AS WELL AS THIS PERSONAL STATEMENT. I AM A VICTIM OF IDENTITY THEFT AND ACCORDING TO THE FAIR CREDIT REPORTING ACT LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED! 

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

I am entitled to a completely 100 % accurate credit report and all three credit bureaus have my address and name incorrect. I have been living at my XXXX, TX address for over 5 years yet a XXXX, TX address is showing up on my credit report and even has an account to it. Also I am a XXXX as I do have the same name as my dad yet my suffix is not added and there are multiple names on my credit report that I do not use as I always include my suffix therefore making most if not all the negative accounts and collections on my credit profile incorrect as they are under the wrong name. All three credit bureaus have multiple versions of my name that are incorrect as I am a XXXX and any name listed that does not contain my suffix eludes that it belongs to anyone else that is not me. And there are multiple accounts that do not contain the correct name therefore my credit report is not 100 % accurate as I am entitled to according to FCRA