23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I requested PMI removal in XX/XX/XXXX. I was denied even though my LTV was 77.4 % due to a pandemic related forbearance payment issue. There was also a comment that 77.4 % LTV was not good enough for early PMI removal. 

I waited until after XX/XX/XXXX, which would be when I no longer had the 'late payment ' within 2 years of my next PMI request. 

I requested PMI removal in XX/XX/XXXX. But now the lender is claiming my LTV is 127.72 %, and that I need to pay them for an appraisal. 

My original loan included additional money to cover needed renovations to make the house habitable. The loan amount had always included this money as part of the original loan, and an appraisal was done that certified that the house was worth the additional amount. But now the bank is doing their PMI calculation based on the 'selling price ' of the house , not the total loan amount ( which is backed by an appraisal, post renovation ). 

It does not help that it seems the only way to contact the lender about this issue is via mail. When I have tried to ask about it via phone their staff have no ability to provide clarity or help. They just refer you to send a letter. 

It seems that the lender, Prime Lending, is creating barriers to prevent their customers from being able to remove PMI early ( even though all the criteria has been met ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening I wan na report Experians false and inaccurate and miss use of my credit profile for the account with XXXX  in the amount of {$100.00} they are accusing me of opening, I have already disputed this with them and they are accusing me that this account is accurate when it is not I have never opened any account with XXXX  in the amount of {$100.00} I recently just spoke to an representative with XXXX  named XXXX XXXX on XX/XX/23 at approximately XXXX on a recorded line and the representative even stated there was no account linked with my personal email, phone number and current address this is also not the first time I contacted XXXX  about this I also spoke to a representative on XX/XX/23 named XXXX XXXX Who also stated on the recorded line the same exact thing as well she even stated in email that there is no account linked with my personal email to this account I am now requesting full proof proving as well as my original wet signature that I took out such loan Experian is not being in FCRA compliance this is not the first time that they have reported false and not accurate credit reporting on my profile I have already waited 30 days for this to be resolved and Im not waiting any longer for them to fix this error in my credit report this account needs to be removed immediately and expedite this process fast as possible
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a few accounts numerous times on my credit report and I see the information is incorrect and it is still on my credit report the fair credit act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a lemon as well XXXX XXXX As well as my bankruptcy were handled I asked them to remove it from my file my rights were violated 15 U.S.C 1681 section 602 A states I have a 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 with my written instructions
Product: Debt collection

XXXX XXXX XXXX sent our closed account to a collection agency Franklin, ( all  equipment returned and services paid for ) as we switched to another provider. 
We sent copies to both XXXX XXXX XXXX and the agency to no avail. We finally just paid the darn bill as to get the phone calls, letters, etc on our file stopped. 
Now a collection account shows on our account. 

HELP ... this is coming us a mortgage. 

Thank you,
Product: Mortgage

I noted my mortgage payment check has not been cashed. I called them today and spoke to someone named  XXXX . She told me my payment was being held in the  XXXX  post office due to a mail delivery problem and not to worry, I 'm not the on ly one and  they have put a stop on a late charge due to the mail delivery delay. The bank is Flagstar bank. Phone #  XXXX . Pymt amt of  XXXX . I told them I never heard log such a thing and why have they not notified customers.
Product: Debt collection

I have submitted several request to have the debt with XXXX XXXX XXXX validated as mine, I have written this company on 3 or more occasions with one being more than 4 more ago with no response. The first letter was written on XX/XX/2020 with no response mailed another letter on XX/XX/2020 no response and I have recently mailed a 3rd letter on XX/XX/2020 there has been no communication from them in regards to this matter, this credit entry on my credit file is making it hard for me to obtain credit at a reasonable rate and if they can not verify the debt it should be removed from my credit file.
Product: Debt collection

Received call from National Recovery Agency stating I owed a debt. This was not the first call from this company. I returned the call and they demanded I provide them with information including social security number and other personal data. I have tried to cooperate to keep them from calling again but they continue to harass me, ask me whether I know people they name, and can not verify I owe any debt. They appear to be evil and are just trying to collect personal information. I had previously asked them not to call me and they have ignored my request.
Product: Debt collection

I opened a credit card with XXXX  XXXX XXXX  on XX/XX/2019 with a {$300.00} credit limit, I closed the account 4 months later on XX/XX/2019 I have proof I closed this account from XXXX  XXXX XXXX. For a year and a half they have charged late fees and other fraudulent charges to this account totaling XXXX $ and it has now popped up as a derogatory mark on my credit from midland credit XXXX. I have never received a letter or phone call from XXXX  XXXX stating I owe money other than the account was finalized on closing. I have contacted midland credit XXXX  and they have cussed me out telling me lets make this easy on you, you owe us XXXX money I have sent proof over to XXXX XXXX XXXX  XXXX  XXXX  including midland and can not get this disputed due to midland stating all is accurate and disregarding the proof I have sent over. This has now impacted my credit score and any other credit cards/loans I may need in the future. I have followed all the steps and am now at a loss on what to do. Midland will not help and when I call XXXX XXXX  they say if another creditor is on the case they have nothing they can do. I closed the account in good standing.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I have a credit card with Huntington National Bank that was recently purchased from XXXX XXXX XXXX. During that transition, there were charges and payments made on that account which were not made by me running the total up to {$58000.00}. I disputed these charges with Huntington and 3 days later they sent me a letter saying they could not verify those were not made by me. I asked them to be re-investugsted which they refused. Now I have a balance of XXXX on a credit card that the limit was XXXX and they are reporting me 90 days behind on payments. I have attempted to get statements from them but they have restricted my online access so I can not see the statements or what was charged. This is ruining my credit. This account was open for almost 2 years with no issues and Hintingting takes over and now there are issues. They told me that there are payments made online through a XXXX account that were returned, I have never had a XXXX checking account. I want those charges removed from my account that were not made by me and my payment status updated.
Product: Credit reporting or other personal consumer reports

Transunion failed to complete dispute and provide a response within 30 days. Dispute was not removed from credit.
Product: Debt collection

XX/XX/2023 it has a Tally Technology credit card amount of {$3400.00} on my credit report. I dont have a Tally account nor did i receive any money from Tally. 
I was told the account is XXXX. I dont have a Tally account.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX  .bal {$0.00}, XXXX XXXX XXXX XXXX bal. {$5900.00}, XXXX XXXX XXXX XXXX  bal. {$150.00}, XXXX XXXX XXXX  XXXX {$0.00}. please remove these inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter regarding inaccurate and unknown things on my credit report to this day over 34 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 34 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent XXXX data breach and may have gotten
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be corrected : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

PLEASE CALL ME WITH A RESOLUTION ON CASE # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying every month for the last year to get inaccurate information removed from my credit report. I started in XX/XX/2019 and have tried every month since then, I keep receiving correspondences back that state verified. I have contacted the Bankruptcy court that states that they do not report to credit agencies, and I have also contact XXXX XXXX and they have not been able to provide me with a method of verification. How is the bureau verifying this info, if I the consumer am unable to verify the information.
Product: Mortgage

AAG authorized an additional XXXX on a line of credit to my mothers reverse mortgage. In XX/XX/XXXX ( XXXX and XXXX ) and XX/XX/XXXX ( XXXX ) see attached. These were done with a simple unverified form - the signature on file is not my mothers, this would be simple to check from AAG. My mother was in the hospital during the first authorizations and would not have been able to sign and fax these forms, she had no authorized POA in place as well and managed her finances. She was also very XXXX with XXXX  and her signature would have been needed to be done with a notary. There is an approval stamp on these from AAG, but there was no verification done. This at least should have been suspect since the last amount she took out was XXXX in XXXX. I would have expected some communication with my mother on this matter prior to these withdrawls. 

I am the executor my moms will and discovered this during my review of the loan when my mom passed in XX/XX/XXXX. I have sent an email to AAG, but have no received any response. This is predatory loan behavior of XXXX  citizens and AAG should at least follow the fraud rules of the XXXX number as a typical bank. This greatly impacted her care and her estate. 
My role is her daughter and also the executor of her will. This is very upsetting to the entire family.
Product: Debt collection

More than twice a day, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have repeatedly informed Rushmore Financial my employer doesn't approve of these phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report fraud I know person refuses to pay for them and clearly report and put it back in good condition
Product: Checking or savings account

Over draft fees due to " insufficient funds '' even after receiving or deposited checks. Funds would be deposited but " not available '' therefore causing overdraft fees
Product: Debt collection

I have a debt from First National collection that I am not aware of and it looks like fraud. I do not have XXXX and never opened an account. I have moved from the XXXX in XX/XX/XXXX and lived at a friend on XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. 

XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I disputed an account reported by XXXX on the file you maintain under my Social Security number. 
I was informed on XX/XX/XXXX XXXX that the item was deleted from my credit report.You have now reinserted this FALSE Negative item BACK on my credit, as of XX/XX/XXXX, it is still there. It should not have been updated or VERIFIED, but remain DELETED!!

The FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), says they are required to notify me of the reinsertion in writing within 5 business days.

I received no such notification. This is a very serious violation of the FCRA,. 
Please delete the item from my credit report .It is actionable and they are in violation
Product: Checking or savings account

Citibank offered {$500.00} bonus for opening a Citi Priority account from XXXX. The required banking activities to earn {$500.00} are : 1, to qualify to earn a {$500.00} cash bonus, you must open a new eligible consumer checking account in the Citi Priority Account Package between XXXX. 
2, within thirty ( 30 ) days of account opening you must complete the following : - make a qualifying deposit of {$50000.00} or more in new-to-Citibank funds into the new checking account or your new or existing Citibank Saving Plus or Citi savings account, and maintain a minimum balance of {$50000.00} for sixty ( 60 ) consecutive calendar days following the date you make your qualifying deposit.
- Enroll you new checking account in paperless statements.
I opened a new Citi priority checking account package on XXXX/XXXX/XXXX and funded it with {$50000.00} new money on XXXX. On the same day, I enrolled my account in paperless statements. 
On XXXX/XXXX/XXXX, I got an email saying that I could not get the {$500.00} bonus because I did n't fulfill the requirements for this promotion. But the truth is I opened the account and completed all the requirements In XXXX. 
I called Citibank on the next day. The CSR told me they would deposit {$500.00} into my account within 3 business days. After one and half month, I have n't got my {$500.00} yet. 
I attached the screenshots and the document about the promotion. Please help me to resolve the problem. 
Thank you.
Product: Credit reporting or other personal consumer reports

I was in the process of trying to purchase a home and realized I had damages on my report according to the 15 U.S.C 1681 law, there should not be any damages on my credit report.ITS a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau did not correctly validate the debt and I requested a copy of an agreement showing I legally signed and bonded to this debt and they have not sent it over. It is against the law to furnish incorrect information from a debt collector XXXX that I have nothing to do with. This is not my debt. It has been more than 30 days and they have not sent over any physical documentation that I signed an agreement with that debt collector. By law they are required to have a copy of it on file before furnishing it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan account credit reporting is reporting the mortgage account as " An Account With Adverse Information ''. My understanding is that this is inconsistent with the CARES Act. I have recently modified my VA mortgage after Covid-deferment and mortgage modification. I have fulfilled my obligations every step of the way. I have made the last four principal & interest payments early. This is not showing on my credit reports even though I have uploaded proof. My understanding is that the VA is behind on their paperwork and they owe my mortgage company a check for {$9800.00}. Well & good, but it isn't appropriate for there to be negative information on my credit report on that basis. Put the negative information on the VA 's credit report, by gum. Please see my uploaded and / or XXXX Posted documentation which I have long since provided to the credit reporting bureaux. I am in process of restructuring my insolvent finances, so this incorrect credit reporting, which dropped my scores by about XXXX points, could literally have life & death effects on me. So please do hurry to do that which will restore my credit reports. Thank you, yours sincerely, XXXX...
Product: Debt collection

In 2017 I went into the store to make a purchase. I purchased merchandise that had to be ordered from XXXX a ladies store in XXXX XXXX, Il. when the merchandise arrived I was notified and went to the store and had the items returned by the store clerk. Before the items arrived at the store I was billed. When I had the store return the items I thought I would get a credit. I have been receiving bills with late charges and the account has been turned over to a collection agency. I have had numerous conversations with the store and I have spoken to XXXX the collection agency about the return. I continue to get a bill from XXXX and harassing phone calls several times a day from XXXX. I have no merchandise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The motorcycle was stolen shortly after it was purchased. I had full coverage and the insurance covered all costs associated with the theft of the motorcycle. There is no outstanding balance to report and consequently there is nothing to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

The collection is from XXXX XXXX for amount of {$730.00} received on XX/XX/XXXX and I have never used this service in my life. 
It states the is owed on XX/XX/XXXX fromIC reference XXXX and account XXXX Around a year ago I received a call about an amount I owed this company and was asking for my address and other information which I didnt give because XXXXXXXX XXXX was fraud. Told them I never used the service and hung the phone. Had not heard about it until today again. 
The action Im taking is responding today XX/XX/XXXX checking the box disputing this is not my debt.
Product: Debt collection

I was asked to pay {$500.00} to settle this account. This happened in 2016. They are not getting anymore money from me.
Product: Debt collection

I have previously sent my police report and the affidavit to each credit bureaus via certified mail I have mailed the documents several times over the last four months. The last time I mailed the documents was XX/XX/2019. I have also filed Identity theft with FTC. No actions have been taken by the companies.