23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I initially called Mr. Cooper ( aka Nationstar ) to inquire about the steps to remove PMI. Given the value of the home we purchased in XXXX had increased and taking into consideration payments made, our LTV met the 80 % criteria. I was told by the Mr. Cooper representative that we needed a certified appraisal and that the loan to value needed to reflect a value of {$420000.00}. I was told that I could use my own appraiser or one through Mr. Cooper, and that It could be a quick assessment online or a detailed. I paid for an appraisal and I submitted it on XX/XX/XXXX. When I did not receive a response, I called and the representative told me that my request was being rejected because the appraisal had to include pictures of every room in the home, which was not specified as a requirement, and that the report must state the improvements were completed since closing. This conflicted with the information I was originally given, which was that the appraisal could be a " quick '' appraisal for the cancellation request. I resubmitted the amended appraisal on XX/XX/XXXX and provided the requested information and receive a denial letter on XX/XX/XXXX. The denial reason was not specified in writing, and indicated I must call a representative. The representative indicated that the denial was because we had not owned the home for 2 years, that the review process was different due to the ownership timeline. I was not informed of this until this conversation which was very frustrating. I requested requirements and details regarding the denial in writing and they refused. Given the appraisal was still within the 120 day timeframe, I resubmitted the request after the 2 years had passed since closing on XX/XX/XXXX. I received another denial on XX/XX/XXXX indicating the Loan to Value comparison is based on the original purchase price and value instead of the current appraised value. I wrote another email on XX/XX/XXXX requesting the process for appeal and for more information. I received a call the first week in XXXX and the representative informed me that since 2 years had passed since closing, the LTV requirement was 70 % and that I would need to submit another appraisal. Every time I talk to a Mr. Cooper representative, they give different requirements to remove the PMI. I have asked for the process in writing and they refuse to provide it, they only review the requirements over the phone. I have asked for the appeal process and requested to dispute, but they have not provided anything in writing.
Product: Credit reporting or other personal consumer reports

Unfortunately, I have noticed some an accurate entries of information found on my consumer report. Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Per 15 USC 1681 Permissible Purposes , I want this hard inquiry removed from my consumer report. These inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to pull my free annual credit report from Equifax but it doesn't let me print it online because it failed me several times in verification of my identity and it's asking for a numerous requirement to mail to get it thru mail also.
Product: Credit card

Chase United Explorer card featuring now baggage fee for card holder and 1 extra passenger if booking with the card for trips. 
I have done so and got charged twice for a round trip when I checked a bag for me and a bag for my wife. 
I have called in to ask for refund, XXXX XXXX XXXX XXXX XXXX can only do it for me for one trip but not the returning trip apparently due to the flaw in their system. The agent said she can not do it and I have to got to some website to do it self serviced. I declined to do so and insisted they should refund me but this never happened.
Product: Credit card

Wells Fargo is still on my XXXX credit report although Wells Fargo said they will be off by XX/XX/2015. See attached Wells Fargo report saying it will be removed by XX/XX/2015. They refused to shut the account -- XXXX % of the balance is fees. Wells Fargo should be off my credit -- it is 6 months after Wells Fargo wrote that it would be removed.
Product: Credit card

Just had a phone call from XXXX XXXX of Bank of America credit card and she stated that someone was opening a credit card with Bank of America in Texas using the last 4 digits of my social security number. She said the case number is XXXX and she was going to turn me over to someone named XXXX XXXX a Financial Adviser with XXXX. 
I gave no further information to this XXXX XXXX and hung up the phone.
Product: Mortgage

I contacted my mortgage servicing company shortly after I received notice from the county assessor 's office that our XXXX real estate taxes have not been paid. I emailed them the information that they requested and waited for about a week before checking back in. There had been notes made on our account as to the problem, that the information needed was received, etc., but no payment had been sent yet. I waited a few more days and again checked back and again, notes made, but no payment had been sent for our real estate taxes. I emailed them again and demanded that they pay our taxes and I did not get a response this time at all. 

Our real estate taxes are around {$7400.00} per year. Their failure to pay our taxes by the due date of XX/XX/XXXX has now created a tax consequence where we have missed out on a tax deduction and consequently could owe more tax than we should have if our taxes had been paid. 

Please advise us as to what recourse we have and how to get our taxes paid.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ Date ], I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion and XXXX actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion and XXXX they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Debt collection

This is my 2nd complaint with CFPB against XXXX XXXX. My original complaint was closed and XXXX XXXX provided the attached information in response to my complaint. The information they supplied Doesnt Belong and i have no connection to XXXX XXXX which further shows star did not research my complaint and only supplied anything to have it closed. I will escalate this issue further if i have to because it is clear XXXX XXXX does not ensure customer privacy or care about their customers. 

Below is my complaint : I have been a XXXX XXXX Customer for about 13 years. During the course of those 13 years i have gone on 7 XXXX. During the course of those XXXX to XXXX and XXXX there have been times i have had no access to computers or a store location to pay. SCRA benefits have never been applied to my account during these times.
Product: Student loan

The person who helped me with navient, instead of helping me lower monthy payments told me it was a better idea to use forebearance or deferment. Happened the 2nd time I did it as well. Both times I was told my loans would be placed on hold. However, they still accrued interest. I have tried getting monthy amount lowered but they said they can not go any lower and I can not afford that amount.
Product: Debt collection

I hope this letter finds you well. I am writing to you regarding my recent review of my credit report obtained from your bureau. Upon careful examination, I noticed that there are late payments reported on my account. I have taken proactive measures to address and rectify any late payments, and I am pleased to inform you that other credit bureaus have already removed the late payments from their reports. I would like to understand the reason behind the discrepancy in reporting between your bureau and others. 

XXXXXXXX XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX XXXXXXXX customer service representative. XXXX have already corrected this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

To provide additional context, I have attached relevant documentation, including proof of payments and any correspondence with the creditor in question. I believe that there may be an error or oversight that has led to the discrepancy in reporting. 

I kindly request that you investigate this matter thoroughly and, if appropriate, update my credit report to accurately reflect the current status of my accounts. I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

1. In XX/XX/2022, the Plaintiff notified XXXX XXXX, and Navy Federal Credit Union about him being a victim of identity theft, he also gave the them a copy of the police report and requested validation of the account. 
2. The Navy Federal Credit Union account is still being reported inaccurately, and incorrectly on my XXXX credit report. Which means Navy Federal Credit Union failed to provide timely and accurate information to me concerning the account in question, according to 12 CFR 1024.38.

3. Navy Federal Credit Union deprived my rights by validating an inaccurate, and incorrect account with XXXX to publish this account on his credit report. 
4. Navy Federal Credit Union also failed to validate the account with the XXXX XXXX XXXX XXXX XXXX. 
5. Once I requested information in writing regarding the account that is published on my XXXX credit report, Navy Federal Credit Union denied the account in question and didnt provide any further information about the account, which they are in violation of 12 CFR 1024.36. 
6. XXXX failed to block the inaccurate Navy Federal Credit Union account resulting from Identity Theft within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$780.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX  Monthly Payment {$0.00} Credit Limit - Highest Balance {$4400.00} Terms 1 Months On Record UntilXX/XX/XXXX
Product: Credit card

Before travelling to XXXX, I notified Chase of the upcoming travel. During the trip, I had transactions denied when trying to purchase my train ticket and the access to my account was suspended. The card has been fully paid each month, there are absolutely no debts of any kind. Because of that, during the trip I had no way to check my account for any suspicious activity. I XXXX to Chase and they were not helpful, asked me to call overseas. On XXXX XXXX, attempting to regain access to my account, I stayed on the phone with customer service for 20 minutes, had to verify my Social Security, Security Questions and also confirm a secret number sent to my mobile phone. I had to give enough information to even open a new account. Even after all that, my account was not reactivated. From XXXX XXXX to XXXX XXXX ( over 2 weeks ), I was left with no access to my account. Chase never contacted me to fix this. 
When complaining to Chase, I received even more disappointing service : - On XXXX XXXX, Chase informed my account was accessed from a unknown device. Of course, I notified I 'd be away and accessed the account from the place I notified I 'd be. This is not a valid excuse to suspend my account. I replied they had information that I 'd be in XXXX, so my account should not be suspended when accessed from XXXX. 
- On XXXX XXXX, I was accused of never including a travel notification, and that was the reason my account was suspended. I replied with the Travel Notification confirmation that I received. 
- On XXXX XXXX, Chase blamed Visa for denying the transaction and informed I 'd need to reprocess it. I tried at least twice. Again, Chase informed my device was accessed from a unknown device, even though I informed many times they had information I 'd be in XXXX, and I was trying to access my account from XXXX. Chase informed they wo n't offer any compensation, of any kind, for all these issues. 

These problems happened for a premium credit card that already charged me {$450.00} in annual fee.
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 XXXX XXXX XXXX. 

XXXX XXXX  XXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$53000.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$13.00}. The original creditor is XXXX XXXX XXXX  XXXX 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 

I could not qualify for a home equity loan due to the fact these accounts are negatively affecting me.
Product: Consumer Loan

A Nissan collections agent called me at XXXX PST on XX/XX/2016. This is a violation of the FDCPA.
Product: Mortgage

I am in a mortgage forbearance with XXXX XXXX XXXX since XX/XX/XXXX currently ending on XX/XX/XXXX. I have been calling about the two three month extensions my XXXX XXXX loan is eligible for but the keep telling me they have no guidance from management and that I need to keep calling. 
I spoke to XXXX today who kept telling me that " as of today '' my loan was not eligible for any extension and that the only thing he could do was send me a loss mitigation application to submit to underwriting. 
When I insisted I was eligible he kept saying " as of today '' and that I had to pay on XX/XX/XXXX or be put into the next step. 
The strange part is that when Initially was connected the computer voice asked me to click 1 for the three month extension. He claimed he had no idea what that was about. He also said there was no supervisor available and that I could not record the call.
Product: Debt collection

Debt not owed I do not have a contract with this creditor and not mine
Product: Credit reporting or other personal consumer reports

I HAVE TRIED TO FIX THIS FRAUD ACCOUNTS WIT EQUIFAX FOR SEVERAL YEARS AND NO RESPONSE. I AM A XXXX AND ITS STRESSING ME AND STOPPING ME FROM DOING THINGS IN LIFE I SHOULD NOT BE WORRIED ABOUT. I HAVE MAILED IN SEVERAL FTC REPORTS AND POLICE REPORTS BUY IT NEVER GETS HANDLED. ON XXXX AND XXXX THESE FRAUD ACCOUNTS WERE REMOVED AND BLOCKED ASAP FROM MY CREDIT FILE BUT NOT EQUIFAX. I NEED THE XXXX XXXX  XXXX FRAUD ACCOUNT REMOVED AND BLOCKED, XXXX XXXX  NEEDS TO BE REMOVED AND BLOCKED, XXXX XXXX # XXXX OPENED XX/XX/year> NEEDS TO BE REMOVED AND BLOCKED, THE XXXX XXXX XXXX IS FRAUD AND NEEDS TO BE REMOVED AND BLOCKED. I HAVE ATTACHED A POLICE REPORT AND FTC IDENTITY THEFT REPORT AND COPY OF MY DRIVERS LICENSE. IF NOT HANDLED I WILL SEEK LEGAL AVEUES. ITS LIKE YOU OVERLOOK THE CONSUMER AND PROTECT THE BANKS.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' COMENITY BANK/AVENUE , the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, COMENITY BANK/AVENUE whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I have the right to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like Equifax and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car that was allegedly leased was repossessed with the original creditor and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The original creditor decided to keep the car as compensation and therefore I no longer owe the original creditor for the lease of this vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed. 
I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement between the original creditor and AC Auto Pay. With the original creditor giving all rights to this debt including the right to receive  payment and charge interest to AC Auto Pay. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state. 
Do they have a debt collection license from my state? provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
If the leased vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale.
Product: Debt collection

XXXX XXXX has insisted on calling my elderly parents, my boyfriend, my sister and my work number to harass me and anyone who answers. They refuse to make contact by my home phone ( which is the ONLY number I have ever provided to them in regards to my accounts. ) I have notified them in writing and via telephone to refrain from calling my friends and relatives and work number yet they persist at all hours of the day and night. Please make these people stop searching for my family and friends. Please make these people stop harassing everyone I love or even know. Please make them refrain from revealing my personal information. There has got to be a way to end this persistent and ongoing pattern of humiliation and harassment. It must be illegal to refuse to call my phone and instead seek to get me fired, upset my parents, annoy my sister and boyfriend. Do I need to file a lawsuit? Can you fine them for this pervasive and ongoing systematic harassment? Please help! Should they deny that I have contacted them, I do have documentation of emails and proof of receipt of messages to XXXX via XXXX XXXX XXXX and XXXX XXXX. I also have a telephone log of proven harassment of my parents, sister, boyfriend and business number. They just wo n't stop ...