23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH Mortgage is fraudulently manipulating my home value to deny the removal of PMI Several times over the last 24 months I have requested PMI to be removed.They had me pay for an appraiser in XX/XX/XXXX but won't provide me a record of the appraisal. 

Then PHH Mortgage noted in XX/XX/XXXX that we have adequate equity ( 79 % ) in the home but was still refusing to remove PMI, demanding an additional $ XXXX to have it removed. The appraisal then 'expired ' within 90 days, meaning they no longer consider this appraisal value ( which they will not provide ) and that I paid for. Instead, they remove the appraised value and use the purchase price to dictate when PMI can be removed. 

I have requested to have it removed again on XX/XX/XXXX and the documentation suddenly has an even higher mandate to have PMI removed, even while I have paid down more principal : In XX/XX/XXXX, " The property valuation must be {$370000.00} to move forward with PMI removal. '' In XX/XX/XXXX : " If you choose to do a valuation and the property is your primary or second home, the valuation must show a value of at least {$390000.00} to meet the required XXXX of 75 %. '' It's clear to me that PHH is artificially keeping the appraisal low and payoff requirements out of reach/unknown in order to ensure I continue to pay $ XXXX in PMI payments to them XXXX They don't give a straight answer and the only solution they have provided is that I pay another $ XXXX to them to have it removed.
Product: Debt collection

On XX/XX/XXXX, I reached out to XXXX after seeing on my credit report that Prince Parker and Associated had reported a {$150.00} debt from an account I held with XXXX XXXX XXXX. However, neither XXXX nor Prince Parker and Associated validated the debt with a contract or any evidence that it belonged to me. Despite this, XXXX took Prince Parker and Associated 's word and claimed they had validated the debt over the phone and mail, without providing any supporting documentation. I had already settled my account with XXXX XXXX XXXX directly and had no outstanding debts. Even so, XXXX refuses to remove this negative remark from my credit report, and Prince Parker is unwilling to provide any supporting documents to prove the debt belongs to me. Given that I have no dealings with them, I ask for the removal of this unjust remark from my credit report, as I do not owe Prince Parker and Associated any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXXXXXX This account is not only incomplete, it's inaccurate. 

Why are there so many missing fields of information? Did XXXX XXXX not supply that information to you? 
Why isn't Trans Union isn't reporting any payment history at all? 
How can I be on time in XXXXXXXX of XXXX with XXXX but 30 days late with XXXX? 
How can I be 30 days late with XXXX and 60 days late with XXXX in XXXX of XXXX 
How can I be 60 days late with XXXX and 90 days late with XXXX in XXXX of XXXX 
How can I be 90 days late with XXXX and 120 days late with XXXX in XXXX of XXXX 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting. 
This has caused me to suffer and its defamation of my character.
Product: Credit reporting or other personal consumer reports

In regards to this complaint is that this has been paid off 5 years ago, At the time I was in hardship of the account being open.I was unaware that the company filed a negative report to the credit bureau which is XXXX.Now it is hurting my credit score.I attempt to call both the company and bureau to solve the problem and that did not work out. 





AFFIRM INC {$0.00} NEGATIVE Suggested Status Closed Credit LimiXXXX 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: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an inaccurate late payment reported on my credit report by [ Creditor Name ]. My credit report indicates a late payment on my account. As per the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and ( Rule 1002 ) I kindly request that you conduct a prompt investigation into this matter and provide me with the following : A certified letter with a return receipt that was mailed to me that notified me 21 days before the due date.

Verification of the late payment entry, including the date, amount, and method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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, credit repair services, or other personal consumer reports

I am name is XXXX XXXX XXXX and this this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$900.00}
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 : DEPTEDXXXXXXXX Account Name : XXXX Account Name : DEPTEDXXXX Account Name : XXXX Account Name : DEPTEDXXXX Account Name : XXXX Account Name : DEPTEDXXXX  Account Name : XXXX Account Name : DEPTEDXXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX and list of Inquiries 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 reporting, credit repair services, or other personal consumer reports

Some one applied to open a XXXX XXXX XXXX credit card under my name. The application number is XXXX. XXXX  phone number is XXXX. I contacted XXXX they are reporting as credit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX refuse to remove these fraudulent trade lines from My credit report XXXX refuses to remove both XXXX account for {$410.00} and {$420.00} also experian refuses to remove these 2 new accounts XXXX XXXX and XXXX card as well and also XXXX refuses to remove XXXX and XXXX card I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a Collection on my XXXX, Equifax & XXXX credit report on XX/XX/2020 XXXX XXXX is reporting a balance on my Credit Report for {$3900.00} which is not my Account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, OLD NATIONAL BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  CREDIT # XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX BANK XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, OLD NATIONAL BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX data breach, and it may have got into the wrong hands.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXXXXXX XXXX  ACCT # XXXX 2. XXXXXXXX XXXX XXXX XXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and noticed many different variations of my name and address. I have tried to reach out to Experian, XXXX  and XXXX by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street AddreXXXX is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts in question : XXXX XXXX XXXX I reported these accounts as fraud ( attached police report ). The accounts were removed as requested by me however no investigation was done by the credit bureaus or XXXX XXXX. Shortly after the account was placed back on my credit report without my notice or consent. I asked for the accounts to investigate and removed due to fraud. XXXX XXXX refused to investigate and provide me with original documents and statements to prove their claims. My requests were ignored which is a violation of my consumer rights. 
I sent a repeat FTC report and cfpb complaint regarding the fraud account and the accounts continued to be reported on my credit report. This is another violation of my consumer rights. 
Furthermore, I have informed XXXX XXXXl to cease communication on these fraud accounts. However, my requests have been ignored and I am still harassed several times a day for years by a robocaller phones number leading by to XXXX XXXX once answered. To my knowledge, this is also a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Account name 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I use my Amazon VISA issued by Chase bank EVERYDAY! It's statistically possible that I need to dispute transactions. Last month XXXX XXXX wrongfully charged me {$16.00}. I initially attempted to resolve it via dispute and an evil Chase phone representative has not put a BLOCK on my credit card preventing me from placing disputes online!!! Fortunately XXXX XXXX ended up doing the research and credit my account {$16.00} THREE TIMES! 

However because of the evil Chase rep, I can no longer place disputes online. Therefore I have started to use my OTHER XXXX XXXXXXXX  card. IF CHASE BANK DOES NOT RELEASE THE ABILITY FOR ME TO DISPUTE ONLINE I'M SUING THEM!
Product: Mortgage

To whom this may concern : My wife and I have finished our trial payments with Freedom Mortgage. I believe our modification is in the underwriter 's department. I have repeatedly tried to contact our single point of contact, finally today XX/XX/17 we were able to speak. My concern was we had satisfied our trial payments and what we needed to do going forward with additional payments. The single point of contact told us to continue to make monthly trial payments until Freedom Mortgage contacted us. Have n't we already satisfied that requirement. Some of your representatives told us to not make anymore payments until we heard back, we are most diffidently confused. Our main concern at this point is to have a clear understanding, preferably in writing what to do about making future mortgage payments until the modification is complete and all documents are signed, we also want to make sure that our payment history shows current on our mortgage while we are waiting for completion of our modification. Thank you for your understanding.
Product: Credit card or prepaid card

Today XX/XX/22 I received a direct deposit from the XXXX OF {$860.00} into my cash app account, I then transferred {$700.00} for my savings into my other account. when I went to log into the account I transferred the funds to it wouldnt let me log in.. I then contacted support to see if they were able to give me access back to my account so I can take my {$700.00} out, or just send the money back to where it came from ( my original account ) since I they wont give me access.. XXXX then proceeded to tell me there was nothing they could do, and that basically the money is gone and I wont be able to access it again. I need my XXXX back this is extremely frustrating, my rent is due, I have bills, this is ridiculous
Product: Payday loan, title loan, or personal loan

I had a loan with Huntington bank called XXXX XXXX XXXXXXXX I went to the bank to make the payment they told me you had to have a account with them to make the payment. I had a account they closed it. I open a account on XXXX XXXX I Zelle me over the payment amount. I checked the account on XXXX XXXX payment still sitting there I called the lady I spoke to put the payment through gave me a confirmation number. I got a email saying thank you for your payment. On XXXX XXXX I got a email stating they reversed it. Got another email saying payment unsuccessful. I called spoke to XXXX he said on XXXX XXXX XXXX closed out the bank account so the payment was reversed and a check is being mailed to me. I was lied to on XXXX XXXX that payment was all set. Now I have to wait for this check to come back to me so I can pay them. This is hurting my credit. I cant even look up this account online or call and listen to my transactions. This is not right. I made the payment on time even spoke to a rep and was told I was all set then 2 days go bye and account was closed so they send me back my payment. I have had so much trouble with Huntington over and over again.. I spoke to the Fraud department XXXX XXXX was told from XXXX that Fraud department closed out my account and I had to go to collections. I should not be in collections all payments have been on time. This matter has been getting worse and Huntington does nothing. But blames you and sends you to collections. This is unfair under the Fair Credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress passed the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of my identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that I was not connected with the transaction ( s ) involving the identity theft. TRANSUNION has failed to follow these regulations set by the Federal government. TRANSUNION ALSO HAS RECEIVED PROOF OF MY IDENTITY AND ADDRESS VIA THE MAIL AND HAVE STILL YET TO UPDATE MY PERSONAL INFORMATION INCLUDING MY PHONE NUMBER AND ADDRESS.
Product: Mortgage

Equity Resources XXXX put our mortgage in forbearance without any notification or our consent in XX/XX/XXXX. We were not aware they had done so until we attempted to refinance two of our homes in the second week of XXXX. We had been making monthly payments and when an ER representative reached out to us in XXXX, asking if we would like forbearance, we made it very clear that we did not. Not only did they indicate the loan was in forbearance, they reported it over 30 days late to the credit bureaus this month. We have since not been able to refinance our properties and we have been denied financing for other purchases. After calling Equity Resources again on XX/XX/XXXX, I was informed they were legally allowed to put our home in forbearance because its a XXXX XXXX loan. Then I was told it was put into forbearance, because we missed an XXXX payment which triggered the forbearance. I asked why the didnt call or inform us XXXX was missed because we would have paid it immediately ( which we did in XXXX as soon as we were made aware ) and they said it was already in forbearance at that point. When we asked to remove the forbearance in XXXX because we had never requested it, they reported late payments. On XX/XX/XXXX, they reported the loan 30-60 days late. Please see the attached XX/XX/XXXX statement indicating {$0.00} past due when the forbearance was reversed. Please also see the attached letter from ER dated XX/XX/XXXX. Its states either 1. We opted out of forbearance ( which, according to the CARES Act, means no late payments since XXXX should be reported late ) or 2. The loan is in current status with no missed payments ( which means no late payments should be reported ). They have acknowledged we did not ask for forbearance and assured me it would not cause a financial burden. The representative provided me with this information on XXXX and said the lender can call her at her personal extension so she could inform them that we didnt request a forbearance. XXXX XXXX XXXX XXXX XXXX ; XXXX Every potential lender has refused to call. Equity Resources has damaged my credit by reporting our mortgage in forbearance AND 30-60 days late, they have created a financial hardship and put our life on hold as we invest personal time struggling to fix their mess when we have been continuing to make payments and have been under the impression the account was in good standing.