23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2022 I requested from my mortgage company PHH Mortgage ( Parent Company : Ocwen Financial ) that the PMI removal process be initiated for my home, via an appraisal. Nearly a month after requesting this, on XX/XX/2022, I was met with an email saying I had yet to complete the required documents. This was erroneous because I had sent them in, in the beginning of XXXX. 

Regardless of this, I persisted and was finally able to get an appraisal ordered, through XXXX XXXX XXXX ( Parent Company : XXXX ) and after XX/XX/XXXX, the date of the appraisal, I followed up with the appraisal company only to find that the order had been canceled. Not sure how this happened, but nevertheless, I contacted my mortgage company only to find out that they had no knowledge that it had been canceled, which was very hard to believe. 

At this point, I ordered a new XXXX ( XXXX XXXX XXXX ) from my mortgage company, which was completed by XXXX XXXX, XXXX, NV and sent to my mortgage company XX/XX/2022. At this point, I waited a very, very long time and made calls to XXXX XXXX, PHH, and the appraiser. The appraisal company told me the appraisal was completed and sent over XX/XX/XXXX, and one agent even informed me that the value was high enough to have the PMI removed. I also spoke to the appraiser himself, who informed me it had already been sent out and that he had completed the XXXX to reflect the proper value of my home for the area ( which would be sufficient to have the PMI removed ). 

More than 40 days later, on XX/XX/XXXX, I was contacted by my mortgage company to be told that my request was denied on the basis that my home did not appraise at the proper value to have an XXXX of 80 %. 

I asked the value they had, and they told me a value that was {$5000.00} LESS than the value of my home upon purchase, nearly 1 year ago. This was when I knew something was amiss because not only did I receive confirmation from the appraisal company XXXX XXXX, but the appraiser himself too. 

In a conversation I had with the appraiser, he informed me that after he submitted the appraisal the first time, nearly 30 days later, the case was re-opened, and he was provided with alternate comparables that he was told to use. He suggested that the comps were not as relevant as the ones he used, but that in general, he does not like to rebuttal the banks, and instead, he bends to their will, because he claimed it would hurt his rating ( compensation ) for future jobs. I asked him if this was proper procedure, given that it should be an impartial assessment, and he confirmed that yes, it was more a reflection of what they wanted than a true, 3rd party appraisal. To me, it seemed like undue influence and leveraging compensation/a rating over the appraiser in order to achieve a desired development or reporting of a predetermined price point. 

At this point, my loan is transferring to a different mortgage company XX/XX/2022 and I am out of options to reconcile this with my current company. I have sought to resolve this with PHH Mortgage, but am stonewalled by my requests and am being told to 'send a physical letter to a po box to rebuke the appraisal. '
Product: Credit card or prepaid card

Several credit cards have been opened in my name. Fraud alerts were placed on all credit bureaus. I am supposed to be called before any accounts are opened to verify that it is me applying for credit. These three companies failed to do so. They failed me as a consumer and I need this issue rectified immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  Capital One
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 formally dispute the reporting of a XXXX account on my credit report that I believe is incorrect and is being re-aged. The account is listed with a balance of {$7200.00}, and the date opened is XX/XX/XXXX. The most recent date reported is listed as XX/XX/XXXX, which reflects a significant discrepancy and appears to be an attempt to re-age the debt. I am currently in the process of disputing this debt, and it is being inaccurately reported, despite my dispute. 

The reporting of this debt raises serious concerns regarding my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that information on a credit report be accurate, up-to-date, and complete. By reporting the account with a date reported of XX/XX/XXXX, XXXX and TransUnion are effectively re-aging the debt. This gives the false impression that the debt is more recent than it truly is, and it extends the negative impact of the debt on my credit report, despite the fact that it is still under dispute. 

My Rights Under the FCRA : Right to Accurate Information ( Section 607 ) : The FCRA mandates that the information reported by credit reporting agencies must be accurate and complete. Reporting the date opened as XX/XX/XXXXXXXX  and the date reported as XX/XX/XXXX, which suggests recent activity, is an inaccuracy. This report misrepresents the status of the debt and gives the impression that it is newer than it is. 

Right to Dispute Inaccurate Information ( Section 611 ) : I am actively disputing this debt, and I have already communicated with XXXX regarding the incorrect information. The debt should not be reported as more recent than it is, nor should it be re-aged. 

Right to Delete Inaccurate Information ( Section 605 ) : If a debt is inaccurately reported, I have the right to request its removal. This debt is being reported as an open and active debt, and the date reported appears to be an attempt to reset the timeline, which I believe is a violation of my rights under the FCRA. The reporting of this account as re-aged is misleading and should be removed from my credit report. 

Request for Correction : I request that this account be corrected immediately. The date reported must be updated to accurately reflect the correct reporting period. If XXXX can not provide verification of this account 's current status or demonstrate that the debt is accurate and valid, I request that it be deleted from my credit report entirely. 

I also ask that TransUnion investigate this issue and ensure that all future reporting of this account is accurate, complete, and in compliance with the Fair Credit Reporting Act. 

Please confirm that this issue has been resolved, and provide me with a written explanation of any actions taken. If you require any additional information or documentation to process my dispute, please do not hesitate to contact me. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I purchased a vehicle XX/XX/2021 from XXXX XXXX XXXX in XXXX, TN. My credit was ran and approved. I asked and was told they participate in the truth in lending act. I was still required to put a {$2000.00} down payment. XXXX XXXX XXXX said that Gateway financial solutions ( loan is through ) required it down even after asking/stating in regards to the truth in lending act as well as the law 15 US Code 1662b advertising of down payment and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
As I did not arrange any credit payment or installment, I would like my down payment of {$2000.00} refunded and account justified/cleared since they violated my rights. The car still currently does not run and I have been current with my car note each month regardless.
Product: Credit card

An example is that I made a CASH payment for my Chase Credit Card on Friday,XX/XX/XXXX. 

Today is XX/XX/XXXX and CHASE has YET to apply the {$2000.00} to my credit card balance. 

These typea of delays are TYPICAL with Chase whether I make cash, check payments or electronic transfers from another bank. 

When I make electronic transfers from my credit union, the money is removed from the account within two days but CHASE delays the deposit for more than a week. 

In the mean time, finance charges continue to build. 

I informed them that I would be filing complaints against this practice to appropriate agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a home loan in XXXX and found out I had bad credit in XXXX XXXX because XXXX was reporting a significantly delinquent account of {$2900.00}. My lender suggested I open a dispute. This was on all 3 reporting agencies. I've never had an account with XXXX. I've also never lived in IL. I filed a dispute. Equifax was the first to respond saying they have updated my credit but have verified with XXXX that the account is mine. It's in error. I've been with XXXX since XXXX and NEVER had XXXX. I'm still with XXXX. I used to work for a bank ; so, I pay my bills.
Product: Mortgage

XXXX XXXX XXXX I closed a loan for {$200000.00} with PennyMac on XXXX XXXX. 

Today I spoke with five persons at PennyMac in an attempt to obtain information about the disbursements of funds to pay off debt from my loan with PennyMac. 
None of the representatives that I spoke with were able to provide the information. Ispoke with was XXXX XXXX XXXX XXXX XXXX. I requested to speak with his manager but was left on hold for several minutes. The call ended without anyone returning. XXXX called back. But again, the call was left on hold for XXXX minutes until XXXX came on the call. XXXX indicated that she would escalate the request. Instead, she transferred the call to a loan processor named XXXX. The call later disconnected while speaking with XXXX. XXXX never called back. 

The loan had a disbursement date of XX/XX/2022. The payoff of {$120000.00} in debt to creditors has not occurred and PennyMac has not provided any information about when the payoffs will happen.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXXBalance : {$1500.00} XXXX XXXX XXXX Balance : {$700.00}
Product: Mortgage

On XX/XX/XXXX a charge was on my Step Father 's mortgage statement for {$120.00} with the description " Fee Billed ''. We have called Mid America Mortgage and emailed them trying to get details on this fee with no success. Mid America Mortgage refers us to a different 800 number and when I call I am told to email .I sent an email three times now and called again today at XXXX and spoke with XXXX ID XXXX XXXX that no one is responding to the email inquiries and she informed my step father there is nothing she can do but escalate the issue. 

I have attached a copy of the latest mortgage statement for reference.
Product: Consumer Loan

I have a loan with Southern Finance located in XXXX XXXX I have never been over 30 days late on the payment. We advised the manager XXXX and the other worker XXXX that I work overnight. When we were not able to pay on the due date or before they would call that is expected. I have a sleeping issue and I am not able to go back to sleep if I am disturbed so we wrote a letter and she dropped the letter off at the office in the drop box in XXXX prior to us making our XXXX payment XXXX XXXX came due. they started to call. On XXXX XXXX they called my cell phone before XXXX! I was very angry. I got into an argument with my wife about it. But then she told me that she did drop off the letter. She called the office immediately and we spoke to XXXX and XXXX confirmed she got the letter.We also discussed the payment. I have a very XXXX and they woke me up I had less than 5 hours of sleep I cant be doing that. I XXXX. I will honor my bill. sometimes I need to pay late and cant predict the exact day but it will never be over 30 days. I just cant have them calling my cell phone during the day they can call my wife now ... I mean they always could but she just started to work and I need to be late sometimes. but not 30 days she has been upset about this I am not sure of my balance but I will pay it off soon. I just aint have about it. I hurt my hand that day and I just ca n't have someone waking me up I have a harrd time Me and my wife talked about it and decided to have me turn off my phone during the day but that just wont work cause I have drivers that need to be able to get in contact with me by text for emergencies. so I need your help Please let me know what I can do so they wont call my cell phone. anymore sometimes I just got ta get my sleep please let me know thanks you
Product: Debt collection

This debt was charged off on XX/XX/2023 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the XXXX credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ( XXXX XXXX XXXX XXXX ) credit report concerning my Nelnet Student account is inaccurately reported. On XX/XX/XXXX, I submitted a letter to Nelnet Student Loan about the inaccurate information on my credit report which shows I was late making payments on XXXX, XXXX, XXXX, XXXX XXXX and XX/XX/XXXX. I filed a forbearance application in late XXXX for XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. My credit report is showing forbearance starting XX/XX/XXXX. In my forbearance application to Nelnet, I requested that my forbearance start XX/XX/XXXX for one year because I fell and injured my XXXX. 

I am making an official complaint to the credit reporting agencies to have corrections made on my credit report.
Product: Credit reporting

As a part of an agreed contractual agreement, the account was paid and specifically negotiated with the company, that the negative item would be permanently deleted and permanently removed from all reports ( XXXX, Equifax, XXXX. ) As of this date, although the status has been updated, the item remains, which was NOT the agreement and is still negatively impacting my reports.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXXXXXX  - XX/XX/XXXX An account I had never missed a payment on and had been paying on since XXXX with 2 paid off trade in vehicals I've leased with this same company had been completely removed from my credit report after disputing for the correct amount owed to be adjusted.This creditor was Overland Bond Finance services XXXX, XXXXThis has made a huge negative impact on my credit score, hindering me from potential homeownership. In total I've paid over XXXX on time payments and up until this month I recently fell behind due to the financial hardship of identity theft.Ive reached out to XXXX XXXX, XXXX, XXXX and other credit bureaus with this concern and was assured it would be fixed.Upon checking my credit report recently it was NOT.Ive also reached out to Overland Bond twice once by phone the other by email with concern for my payment history being completely removed from my report.I have not heard any updates from either credit Beauro or the current Finace Company that I'm leasing from about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sick and tired of Equifax. Im in the process of starting a class action against them. This company is horrible and are ruining peoples credit. On XX/XX/XXXX my score jumped 106 points because of an closed account reporting information. On XX/XX/XXXX my credit score went down 103 points  because the same company XXXX XXXX added additional information. This account is paid and closed. Why is this company still allowed to change or update information on my Equifax credit report? This account was already deleted from XXXX  and XXXX. Equifax is doing some weird things with people credit. My score is 100 points lower than XXXX  and XXXX. Accounts that are on Equifax are closed and none of the companies say they arent reporting anything and already requested Equifax to delete. Why is Equifax think they are above the law? What they are doing is against the FCRA. I will make sure they are held accountable for their actions. No paid closed account should be reporting or updating anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer XXXX XXXX XXXX
Product: Student loan

in   XXXX   XXXX   i sent   XXXX   XXXX    XXXX  checks totaling {$19000.00} to pay off my high interest private loans. the account numbers for these loans was indicated on the checks.   XXXX   XXXX   applied these funds across all of my loans, including the low interest loans. As a result, i am still paying on the high interest loans at the present time,  XXXX  years later. This has cost me alot of money. When navient took over sallie mae, everything was restructured and account numbers were changed, making it difficult for me to understand what is going on.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/2023, I entered into a new agreement with XXXX XXXX to assist in paying my card down due to a financial hardship of XXXX while not affecting my credit report and FICO score. The agreement online stated that I would not be marked late or be charged late payments during the agreed terms of {$120.00} per month for 60 months and I was required to sign up for e-statements which I never received in the mail to see what my balance due or notifying me that I was considered past due status. My mailing address and email address are current with XXXX XXXX. Since then, I have been paying the agreed upon amount of {$120.00} per month and XXXX XXXX has been reporting me 30 and 60 days late on my credit report. I only received notification that I was considered past due when I applied for a XXXX loan to buy a home in XXXX. XXXX XXXX did not inconspicuously explain that I would be reported late on my credit report when I entered into the new agreement terms back in XX/XX/2023. My understanding was that entering into the new agreement would show good faith in paying the monthly agreed amount and reporting on time payments to XXXX XXXX. XXXX has not sent written notification, monthly statements or reached out by phone since the new agreed terms that I was marked past due under the new agreed terms and leads to misunderstanding by consumers that they are paying as agreed.
Product: Debt collection

This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report. 

XXXX XXXX - {$1100.00} XXXX - {$22000.00}