23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We paid off our mortgage loan on XX/XX/2019. One day before closing, the mortgage holder, XXXX XXXX XXXX, withdrew {$9800.00} via automatic transfer from our checking account for the XXXX monthly payment. In the latest correspondence from SPS, dated XX/XX/XXXX, they refused to refund the unwarranted XXXX payment.
Product: Student loan

This is a follow-up to MOHELA 's XXXX recent response regarding the original complaint # XXXX. **Please refer to all attachments with the original complaint. MOHELA submitted a form letter, generic statement that did not address my very specific question, complaint, that they have not processed my XXXX XXXX XXXX originally submitted via their website on XX/XX/year>, and subsequent submissions of the application in XXXX. MOHELA 's response is unacceptable and they are to answer my original, specific complaint. Please note my statement of feedback below in reference to the original complaint. 

MOHELA failed to respond to my specific complaint regarding the XXXX XXXX application I submitted directly by uploading to their website on XX/XX/year>, then again multiple times in XXXX ( see emails in my original complaint ). Their response is a generic, form letter response that does not address the fact that they have not processed my application to enroll into a new XXXX  so I may be removed from XXXX. According to a new XXXX plan ( IBR ), I would not be subject to a forbearance, thus resuming making payments. MOHELA needs to process the application ( XXXX ) I submitted to them. If they are refusing to process my XXXX XXXX application; they need to provide written correspondence that explicates why they are not processing my XXXX XXXX application and/or reason for denial to enter into the XXXX plan XXXX MOHELA 's response is unacceptable and reflects MOHELA 's continued pattern of stalling tactics to delay Consumers from making progress towards loan forgiveness. Thank you.
Product: Credit reporting or other personal consumer reports

According to the TRUTH IN LENDING ACT ( TILA ) 15 U.S. Code 1637 ( b ) ( 2 ) ( a ), It is a fact, I the consumer am aware, and there has been statements which have not matched my records and statements which have not been in accordance with the disclosure from the company listed below that i have received at the consummation of the transaction. I am formally giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666 ( b ) ( 2 ). I the consumer am aware that documentary evidence pursuant to 15 U.S.Code 44 includes all documents, papers, correspondence, books of accounts, financial and corporate records which involves all derives, assignees, hypothecations in connection with my all caps name. I demand to see verifiable proof of an original consumer contract with my wet signature on it that you have on file for the accounts listed below. I require this clarification in order to address the billing error for the accounts listed below.

I demand that the following accounts be removed immediately : 15 U.S Code 1637 ( bX2 ) ( a ) 15 U.S. Code 1666 ( b ) ( 2 ) 15 U.S. Code 44 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

Jefferson Capital Services never sent me a Debt Verification Letter. They never gave me the opportunity to dispute the alleged debt in direct violation of 15 USC. I noticed them through my XXXX Credit Report. I filed dispute through XXXX and it was verified Jefferson Capital Services never sent the Debt Verification Letter. They are liars and try to imitate through hurting my credit report. Reporting to a credit bureau without a Debt Verification Letter is a violation of 15 USC Rules and law. This violation requires and mandates Jefferson Capital Services to pay {$1000.00} per the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score recently and saw that there was a hard inquiry done by XXXX on XX/XX/ 2018 on my credit report that was not authorized by me neither was I informed of a credit inquiry being done on my credit report. I later spoke to XXXX XXXX XXXX and they told me they want to know my credit score and then a hard inquiry which I did not authorize also the car that they sold me was a lemon so I took back the car.
Product: Debt collection

Northern alliance group called saying they were going to notify employer. They wouldnt tell me what loan was for ( amount ) and who it was from. Just what I could pay to take of it. They just wanted me to make arrangements for payment, not interested in sending me information on so called loan. Nor would they give their address and original amount of loan
Product: Credit reporting or other personal consumer reports

XXXX XXXX SSN XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the EXPERIAN credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX  on XXXX XXXX under the account number XXXX and another personal credit card opened as XXXX XXXX  on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report because i always keep up with m credit but when i saw my scores going down when i research i find out companies pulling credit can affect credit scores etc. and i found some companies have been pulling my credit without my authorization. some of the companies i spoke with regarding one thing or the other are always asking for personal information but never say is it ok to pull your credit and then later on i see they have pulled my credit with verbal or written verification from me, i and i find out that they are not supposed to be doing that, and i can dispute all that I feel was not authorized by me. on XXXX the XXXX i called XXXX spoke to someone in the fraud department explained that i have contacted the company that pulled my credit they were not trying to help me and the said to follow up on my credit report in 72 hrs. ' not change i call again several time after no change. im writing asking to have those hard inquiries removed deleted from my credit report as i did not authorized and of them listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX XXXX. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX & XX/XX/XXXX are the late payments listed
Product: Mortgage

I Have a mortgage with PHH, and have requested for my PMI to be removed. They conducted an appraisal and denied my request. In reviewing the appraisal, it was done with a very low level of quality, had missing information, and used comps that were over a year old. I have followed all their requests to submit new comps on my own to start the process again. Since then I keep being told they need XXXX more days, then XXXX more days, then XXXX more days, and so forth to review. They state their PMI department is internal and is not able to speak with people directly. This process has taken months, and every time I call in, they tell me the person working on my case can not be reached. There is something extremely shady going on that it would take months for my complaint about the XXXX to be reviewed. Now I have to worry that because I am speaking up for myself when I call, that they are purposely delaying a response/decision on my PMI for my loan. 

Are you able to help?
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Several of the accounts listed have inaccurate reporting, including wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner.
Product: Payday loan, title loan, or personal loan

The company has mailed a letter to my employer for wage garnishment, without offering lower payment plans. Via the mail or email. Or even lower payments
Product: Mortgage

I purchased a house on XXXX XXXX, 2015 - financed through XXXX XXXX XXXX out of XXXX XXXX, CA. I obtained a FHA fixed rate loan - payment {$2100.00} mo. I received a notice from my bank a couple of weeks ago stating that my payment is going up $ XXXX month!! This raise is due to insufficient impounds. I am short {$4500.00}. In addition, my payment will not be {$2100.00} a month, but {$2400.00}. In reality, my payment was NEVER going to be the {$2100.00} a month I had agreed to. Although I know that taxes can change when you buy a house, this amount is unreasonable. Also, my country tax assessor informed me that my taxes did not go up, they went down. I know that all parties were aware that my taxes were high and that I have a XXXX. I not only spoke with the real estate lady about the high taxes, I also talked with the lender on several occasions about my high taxes. I feel that my lender intentionally misled me as to my monthly payment knowing that I would not accept the {$2400.00} payment, I would not have bought the house. I had told the lender I would NOT do a {$2400.00} mo payment on numerous occasions during my house hunting and during the loan process. The lender asked me if I would do the $ XXXX month payment, and I agreed. When I recently confronted the lender with my " new '' payment amount, he claimed they calculated my taxes at the allowed XXXX % of the sales price. When I was obtaining my loan, I had spoken with my lender on several occasions about my taxes being high and he assured me that the payment he quoted me accounted for piti. I feel the lender deliberately misled me into believing that my payment would be {$2100.00} a month, knowing that a year later I would find out the truth and could do nothing about it. I am a XXXX year old single woman. Although I have a good income at this time, I plan to retire in the next 3 to 4 years. I am already having health issues. When I retire, my income drops considerably. I will not be able to afford to pay a $ XXXX monthly payment. My goal was to use my extra income to pay on the principal for the next 3 years and then refinance to a lower payment when I retired so I could afford the monthly payment. Now, thanks to my lender 's " miscalculations '', I will not be able to afford my home in 3 years and will be forced to lose it or sell my home. I no longer have the " extra '' income to pay my loan down thanks to my new payment. The reason I know that the lender was aware of my high taxes, in addition to talking with him, is it was disclosed on the preliminary title report which the title officer said all parties received. I thought that California was a full disclosure state - I hardly think that {$720.00} a month or even the {$260.00} a month increase in payment was full disclosure. I know people who do n't qualify for their loans based on those amounts. I thought I was protected and safe with a company referred to me by my XXXX XXXX XXXX and with a FHA loan. I am now worried about whether I will be able to keep my home and feel very cheated and violated.
Product: Credit card

I scheduled automatic payments through XXXX XXXX to pay my Fifth Third Bank credit card bill. Until XX/XX/year>, these payments were consistently made on time, by the XXXX of each month. However, starting in XXXX, XXXX XXXX claims a technical issue with Fifth Third Bank 's system prevented electronic payments. They resorted to sending checks, causing delays and resulting in late fees totaling {$140.00}. Neither bank is taking responsibility, leaving me to bear the financial burden of these penalties.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$1100.00}.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.