23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have requested removal of the mortgage insurance payment from my loan due to having well under 80 % XXXX in my home. This is the information I sent to BSI Financial, my mortgage holder on XX/XX/2022 -- -- -- -- - This letter is to request the removal of the mortgage insurance on my loan. I have made XXXX on-time payments and the loan has seasoned 2 years. The appraisal of the home at the time of purchase, which is in your file, indicates an appraised value of {$330000.00}. The principal balance of my loan is {$250000.00}. Which is 77 % of the appraised value. 

I have also included our county property appraiser 's office market value report showing a current market value of {$380000.00} as supporting evidence of current market value. My current loan to value ratio based on this is 66 %. 

Please remove the mortgage insurance payment from my account. 
-- -- -- - I received a denial letter dated XX/XX/2022. ( More than 30 days of my request. ) I had also explained to the lender that I could only put 10 % down at the time of purchase because I needed to reserve {$40000.00} cash to make immediate improvements to the property after closing. 

I just received my 2022 property tax statement from XXXX XXXX, FL taxing authority showing the market value of my home to be {$440000.00}. ( I will attach. ) I think BSI Financial is unfairly retaining the mortgage insurance on my mortgage loan.
Product: Debt collection

I am writing regarding a collection attempt on an alleged debt referenced by account number XXXX in the amount of {$740.00} According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you are attempting to collect. 
On XXXX XXXX XXXX, I sent you a formal request for debt validation via certified mail receipt # XXXX. To date, I have not received sufficient verification of the alleged debt as required by 15 U.S. Code 1692g. Specifically, Transworld have failed to provide : 1. The name and address of the original creditor.

2. A copy of the original signed agreement or contract.

3. An itemized statement of the alleged debt.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Trying to get time barred acct. removed from Equifax. XXXX XXXX XXXX charge-off in the amount of {$30000.00} Date of last activity is XXXX/XXXX/XXXX. State of Washington Statute of Limitations for this type of debt is 6 years. Both XXXX and XXXX have removed this item in a timely manner, when finally spoke with a human at Equifax in XXXX or some other place they do n't speak or understand XXXX, she said it wo n't be removed till app. XXXX/XXXX/XXXX??? I am trying to refi my home mtg. and this one item is a hold up. She refused to look any further or offer any explanation as to why they did not have to abide by Washington state XXXX as have the other 2 agencies.
Product: Credit card

My card was charged for {$2000.00} for legal services in XXXX XXXX XXXX. The law firm did not execute an agreement with me as required by CA requirements, and then did one of the legal services I asked them to do without permission ( sending a demand letter to other party ). I disputed the charge as I was charged amounts not agreed to, and the merchant did not respond to resolve the issue. Even if part of the charges had been valid, they were charging for things not ever agreed to, but shouldn't have charged anything as there was no formal agreement between both of us. 

I disputed the charge and provided information as requested. The case was closed as I could not provide a second opinion. I found out my complaint was filed wrong by FNBO, and was told they could request it to be reopened given the reason for dispute was entered wrong. This was closed again. By XXXX, about XXXX months after the start, I was told they switched dispute systems and they could reopen with the correct reason for dispute. They did this, but then promptly closed the case again. That was late XXXX. I didn't find out until XXXX XXXX XXXX when I called to check status. They sent me a note saying they combined the files with the prior dispute, back in late XXXX, but it didn't say it was closed. I never received any notice they found the dispute resolved. Unfortunately, it appears they continue to use the wrong dispute reason to justify closing the dispute ( as quality of work, versus unauthorized, was used. ). I can not get them to assist in this matter, as is there obligation.
Product: Mortgage

I began receiving mail this summer about insufficient insurance coverage. I contacted Flagstar about it since they did not require it when they held the previous mortgage. I refinanced and they bought it back. They told me I had to procure around XXXX more in coverage to which I got XXXX more and now. They put my mortgage in Escrow due to the insufficient coverage and now will not take me out even though I have procure more than enough coverage. They are extremely difficult to contact, do not call back timely, and will not provide any copies of why they are doing this other than vocal notifications over phone and just continuing to send the new bill. The amount they are charging me monthly is significantly more than twice the amount I am paying for coverage that exceeds what they procured without my permission. Again, they are extremely difficult to get ahold of and do not check their online repositories for the documentation about the insurance coverage that they direct you to post your insurance coverage.
Product: Checking or savings account

I called Citibank on XXXX/XXXX/2018 to inquire about two outgoing wire transfers that were n't received by a secondary party. The customer service rep told me that Citibank had canceled the transfers and closed my account with no ability to dispute the closure. A few days prior, I had two outgoing wires on hold, and I had to call and confirm them. They asked if I 'd be making more wires in the future, to which I replied yes. The two outgoing wire transfers that were canceled totaled {$19000.00}. The checking account had approximately {$22000.00} in it. According to Citibank, it could take up to 30 days to receive my money, which I need to pay mortgages and other expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct XXXX XXXX, has violated my rights # 15 U.S.C 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.
Product: Bank account or service

After receiving a " Payoff '' amount from Beneficial Mortgage in XXXX, 2000 in the amount of {$5000.00}, I paid this amount at the agency in full. 17 years later, Beneficial reports a charge-off to the IRS in the amount of {$5000.00}. The IRS sends me an outstanding tax bill since this was reported to them on a XXXX. 

I challenged Beneficial and was told I underpaid in XXXX2000 by {$750.00} and therefore, after accumulated interest over 17 years, they decided to charge it off instead of seeking payment. I have NEVER received a late notice, balance due or adverse payment history on my credit report from Beneficial. How can they do this? The bank I paid this account through is no longer in business XXXX XXXX XXXX XXXX Bank XXXX. And even if they were, I was told, records this old would not be maintained. There are XXXX of complaints against Beneficial on the web site all siting similar experiences. What can I do?
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue with the address listed on my credit report. According to the information provided in my credit file, there seems to be an error in the address associated with my account. The current address listed is incorrect and does not reflect my current residential address. I am writing to update my address to ensure that all future correspondence and communication regarding my credit report are sent to the correct address. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

Its incredibly frustrating to see accounts in pending litigation still showing up inaccurately on my credit report. Ive tried multiple times to resolve this with you, but nothing has been done.
Product: Mortgage

Please refer to previous complaints and recorded phone calls with Loss Mitigation -- Citizen Bank is dishonest and unethical to borrowers experiencing hardship. Beginning with my initial mortgage assistance request, I have always asked for the terms and limitations of the special forbearance. I was told explicitly and reassured on 5 separate occasions that I would be eligible for following options when my forbearance ended ( repayment, standalone partial claim deferral, and loan modification ). Throughout my financial hardship I repeatedly confirmed those statements. I reviewed the paperwork included with my forbearance agreement and those options were listed there as well, with no terms or limitations. I was given the instructions to call as soon as I could resume my payments. When I called XX/XX/XXXX to resume payments, I was told that I could not resume payments until my forbearance expired XX/XX/XXXX and to call back then. I was advised that the review process would only take 15 days. The loss mitigation representative confirmed that I would be eligible for both deferral or loan modification. When I called today, XX/XX/XXXX, I was once again given contradictory information. I was told that I was ineligible for deferral and must modify my loan or pay my balance in full. I was also told that the process would take 45 days and during that time I would not receive updates. I was told that the reason that I am ineligible for deferral is because my loan has exceeded 180 days past due. At no point during my constant questioning was I made aware of this rule. It was nowhere in the paperwork and nowhere on the Citizensbank.com website. As I mentioned in my previous complaint, they are intentionally vague and withhold critical information needed to make informed decisions. They either can not or will not be transparent with borrowers. I wholeheartedly believe that this system is intended to force homebuyers out of their homes. Myself and my XXXX sons, including an XXXX, are soon to be homeless as I can not afford to pay in full nor can I afford to double my interest rate via modification. None of this would be happening if Citizens had provided the information I requested or answered my questions honestly.
Product: Credit reporting or other personal consumer reports

I have applied for a mortgage on the purchase of a new home. When our mortgage lender pulled, on XX/XX/2023, our credit every Credit Bureau reported except my Equifax reported. Even my wifes Equifax appeared. The mortgage lender contacted his credit company XXXX. The lender was initially informed that Equifax was reporting INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE. The XXXX file number is XXXX. I am now almost {$500.00} in credit reports because of this issue and miss reporting. 

I am being informed that without that 3rd Credi Bureau XXXX XXXX and XXXX XXXX will not afford me financing and it will cost over {$12000.00} in additional fees. 

Prior to this application I have never contacted Equifax. Since this application has been initiated, I have spent over XXXX hours on the phone with Equifax or on hold for Equifax. I have confirmed my name, address SSA Number and forwarded them Government Identification. 
As recently as Thursday XXXX XXXX Equifax informed me the issue had been cleared on their end ( this is not the first time they indicated it was resolve ). The Lender waited until Monday XX/XX/2023 to re-pull the credit. Equifax will not coordinate with XXXX. Nothing had changed. 

Please, can you help me? 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX
Product: Credit card

I've consistently made timely payments on this account, never allowing them to become overdue. I don't understand why there are reports of late payments on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX IN ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$30.00} ; XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$150.00} XXXXM XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Filed a dispute with equifax to correct inaccuracies in my credit report. Rather than investigate the evidence I submitted in connection with my claim ( XXXX letter showing account was in delinquency ). Equifax provides false statement indicating that XXXX ( the reporting entity ) verified account status currently being reported is accurate. When its not. 

I provided equifax with evidence ( a letter issued by XXXX ) showing dates currently being reported by equifax as inaccurate. Account was not late, but in forbearance. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch that was TransUnion 's problem caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added and was denied. These inquiries add a hardship and my rights were violated by TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent the past year trying to resolve an issue that has been proven to Equifax that XXXX XXXX has knowingly refused to provide payment history for 3 years of a loan in order to keep negative information on report for more than law allows. 
After several attempts asking Equifax to to provide correct payment history ( or remove from report ) Which should show originally when the payments started being late in XX/XX/XXXX ) requests denied telling me to contact XXXX XXXX Disputes were done online and through telephone. 
Payment history missing shown below. XX/XX/XXXX - XX/XX/XXXX Missing. Equifax will not remove negative information because they say my negative information started in XX/XX/XXXX. 
XXXX XXXX has since updated report stating charge off and also added I made a payment in XX/XX/XXXX which is FALSE Today I spoke with Equifax ( several agents and someone named XXXX XXXX who claimed to be a Supervisor at XXXX XX/XX/XXXX) and stated the issue again. I was told they would not remove the negative information even though there is no payment history provided to prove the negative payments started in XX/XX/XXXX. Was told to contact XXXX XXXX myself and tell them to provide that information. I have also tried several times through the years for them to change from repossession to what it actually was. A Voluntary Surrender. 

Account Name XXXX Account # XXXX Date Opened XX/XX/XXXX Payment Status Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX  Monthly Payment Past Due Amount Highest Balance Terms M 69M Responsibility Individual Account Your Statement SETTLEMENT ACCEPTED ON THIS ACCOUNTPAID CHARGE OFF Comments SETTLEMENT ACCEPTED ON THIS ACCOUNTPAID CHARGE OFF FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FP No prior payment history shown on report from XX/XX/XXXX until XX/XX/XXXX to avoid  actual drop off date within 7 years. 
Nobody at that company will help
Product: Consumer Loan

Reviewed by phone my equity line of credit with Wells Fargo Bank. The recorded information states that on XXXX XXXX, 2016 a " transaction '' for {$430.00} was made. This transaction was not made by me. Nothing was added to my balance. 
Talked with Equity Line division by phone. They did not see this transaction on their computer screens. Went into the bank. They also could not find this transaction. Used my cell phone to pull up my account, handed it to the manager so he could the recorded message. A " glitch '' is what he suggested. 
On XXXX XXXX, 2016 I paid the remaining balance but did not close the account. I did close other accounts but kept my checking and XXXX accounts. 
The is no paper work showing this transaction. I 'm wondering if I 'm the only account holder that has had this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX XXXX and may have gotten into the wrong hands.
Product: Credit reporting

I disputed information to be incorrect regarding dismissed bankruptcies. I have never been in court on such a matter and was told they verified this through a XXXX party called pacer. XXXX has no such files under my ss # and again I let them know that. Still they continue to report it even after submitting the proper theft report and affidavits si, ply stating there was no info on file. This is a violation of XXXX and other laws under FCRA and FACRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX {$7000.00} XXXX XXXXXXXX {$26000.00} XXXX XXXXXXXX {$22000.00} XXXX XXXX {$200.00}
Product: Debt collection

I discovered an unknown collection account on my credit from a company called The Bureaus Inc Account Number XXXX alleging that I owe a debt to XXXX  XXXX. I have never had a XXXX XXXX card in my wallet or in my possession. I have never received a bill or nothing of the sort from XXXX XXXX. Now as of yesterday- there are now in fact 2 collection companies reporting on my credit in regard to the same unknown account with XXXX XXXX. The new company is called XXXX XXXX XXXX. 

Once again, I have not received a notice from XXXX XXXX because I have never had dealings with them. I also never received a collection notice from either of the collection agencies and they both are reporting the account on my credit and coming after me for the same debt at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently when trying to access my annual free credit report from TransUnion, I was locked from accessing my account online. After calling customer service I was able to log in and request my annual credit report, but upon receiving my credit report it was just one page and the whole report was suppressed. After calling and talking to numerous customer service agents I was told I will have to write a letter asking for my report to be unsuppressed along with proof of ID. So I wrote a letter and sent it along with two forms of ID.

Two weeks later I got the same credit report that was suppressed. 

Called again and was told my account was unlocked but when I go in to check online it still says I don't have a credit report.