23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started the process with Amerisave to refinance my mortgage on XX/XX/XXXX. I had been referred to them by the XXXX XXXX website. During this process, they keep having me sign disclosures and the loan estimate keeps changing but I locked in my rate and the terms on XX/XX/XXXX. The loan estimate right before I lock in showed a lender credit of {$320.00}. The disclosure that was generated with the lock-in that I signed showed a lender credit of {$800.00} and I understand now that part of that is the {$500.00} that I paid to lock in my rate, so the actual credit went from {$320.00} to {$300.00}. After that, I was sent another set of disclosures on these the lender credit was {$49.00}. I emailed the loan officer XXXX XXXX Loan Originator NMLS ID # XXXX asking for an explanation and I only received another email the next day to physically print and sign the new disclosures. I have called and have not gotten an answer. They had me pay a nonrefundable {$500.00} fee to lock in my rate and yet they are still making changes to the terms and closing costs. The Loan document even states : Before closing, your interest rate, points, and lender credits can change unless you lock the interest rate. 

Since I did lock in the rate these things should not be fluctuating. 

It was my understanding at the time that the {$500.00} would go to closing cost once the loan was complete so I am assuming it is included as part of the Other Credit section. So on the new disclosures sent to me, other credits are listed as XXXX meaning minus the XXXX there is lender credit of XXXX I spoke with an agent and they offered an extra XXXX credit but could not generate the disclosures for some reason they said the documents I sign were issued in error and at first claimed not to see them. They said the original XXXX lender credit that was promised changed due to market conditions in the 3 days before I locked in, but could not explain why documents showing the change were issued after the lock in.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, i disputed and account on my credit report which seems to be there in error. I filed an FTC report and i followed all steps governed to me by federal law 15 U.S.C 1681c-2 a block of information. I sent this letter to the credit bureau with no response. To my understand, once the steps are completed to black erroneous information the bureaus have 4 business days to block this account. XXXX is the tradeline that is current and beyond the 4 days the law allows. I reached out to the CFPB via complaint ID XXXX on XX/XX/2023 asking for additional assistance and still has yet to receive any updates nor responses. Federal Law 15 U.S. Code 1681c-2 states 4 steps need to be completed in order for a company to black information from your profile and as of XX/XX/2023 the credit bureau is in violation of a response within 30 days of receipt of a dispute and also 4 days in responses to a block dispute. Please maintain XXXX percent accurate record keeping as youre governed to do so. Block this inaccurate, and incorrect account from my profile.
Product: Debt collection

No Proof of Contract : I request that you provide valid documentation or proof of the original signed contract associated with this account. As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of this debt. To date, no such proof has been provided.

Violation of FCRA Reporting Standards : According to Section 605 of the Fair Credit Reporting Act ( FCRA ), negative information, including collections, should not remain on a credit report for more than seven years. If the debt has not been validated and remains unproven, I believe this collection should no longer be reported.

Debt Forgiveness under IRC Section 108 : If this debt has been forgiven, settled, or canceled, as may be the case, I believe that it falls under IRC Section 108 and should no longer be reported. As such, I request that this collection be removed from my credit file.
Product: Student loan

I have tried contacting XXXX XXXX Student loans regarding my account with them and have not been able to get ahold of anyone. I am trying to settle the account.
Product: Mortgage

I hereby formally request an appeal to XXXX XXXX, My current Mortgage lender, about the decision to not granted the removal of the PMI from my Loan Mortgage and reconsider approve the removal of the PMI from my Loan Mortgage based on the following factors : 1. The original loan amount of the Mortgage was {$390000.00} 2. The current balance of my loan as of today XXXX XX/XX/XXXX is {$380000.00} 3. The appraisal made to my property on XXXX XXXX by XXXX XXXX at my request was estimated at {$480000.00}. 
4. Putting the current value of my home in perspective with my current loan balance results in an increase of 21 % = {$98000.00} of equity build on my property, which makes my Mortgage loan qualify for the PMI removal currently imposed on my loan. The Federal Homeowners Protection Act gives Homeowners the right to remove PMI from your home loan in two ways. 
you can request the removal of PMI when you reach 80 percent home equity ( which is my exactly my case, or You can get automatic or final PMI termination at specific home equity milestones. 
5. Another two point in my favor is that my mortgage payments are made on time automatically, taking the payments from my checking account at the P.F.C.U. It is my intention to keep it that way during the life of the loan. 
6. Finally, another point of great importance that is worth highlighting is my job stability and service record of 32 years civil services as a federal employee working for the Department of the Defense and with an impeccable record of credit history of 32 years without reflecting any late payment. 

Pentagon Federal Credit Union is the financial institution that currently servicing my loan, I sent numerous email to them ( PMI Mortgage Department ), asking them via email need to speak with a Loan Manager and they never pass me to no ones. All the communication from XX/XX/XXXX until now has been via email ). They said that they speak with the consumer. 

In the hope that the information provided will help you reconsider your decision to now approve the removal of the PMI from my current Loan Mortgage. 
I remain with you very kindly, Mr. XXXX XXXX XXXX email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Bank Of America closed XXXX checking and XXXX savings account because there had been fraudulent activity on XXXX of the checking accounts. I received a letter XX/XX/2021 saying that a check for the balance in each account would be sent to the address on file. Repeated calls by me and a visit to each of XXXX bank managers disclosed that the checks were written and being held by " XXXX '' : an investigator in Texas. I was told they would notify me as soon as the investigation was complete. Finally, in XXXX of this year the manager of the closest bank to me said that because it was a " third party deposit '' that had caused the fraud, they would hold up the checks as much as " XXXX years ''.
Product: Credit reporting or other personal consumer reports

XXXX and transunion are not reporting the correct information about credit card usage, and failure to have done so causes my credit score to remain stagnant! I am trying to improve my credit and i need help from the reporting companies to make sure all information reported is correct. I recently opened a Credit Card account with XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX XXXX dollar credit limit. I have made a major payment and it does not reflect on my report.
Product: Debt collection

Involves XXXX XXXX credit card. 
Debt collector is Comenity Bank. 
Debt amount is {$100.00}. 

This debt was paid by me on XX/XX/year>. 

I have a bank statement documenting the payment. 

I contacted Comenity Bank and told them of this error. They had no record of payment. I asked how I could get them a copy of my bank statement ; they gave me no assistance on how to take this action. They did not forward my complaint, or assist in any way. 

This is the SECOND TIME this has happened to me regarding Comenity Bank ( see prior complaint ). The last time this happened, my XXXX XXXX account was credited, NOT my XXXX XXXX account. 

I am being bombarded with DOZENS of phone calls, some as early as XXXX. As soon as I block one number, I get calls from different numbers. Also, they have destroyed my credit report for a nonexistent debt. I consider this extreme harrassment.

Thank you for your help.
Product: Checking or savings account

On XX/XX/18 I opened an account online with Chase and deposited {$25.00} in the account. They allowed me to sign up for online banking, overdraft protection, order a debit card, and so on. I go to log into the app today and tells me the account is restricted. I then call the bank and ask what is going on and they say they have nothing they can tell me aside from the fact the account is being closed. I then asked what of the {$25.00} I put into the new account and they then tell me that not only will I have to wait 7-10 days after the account was opened and then closed that I would have to wait an additional 7-10 days to get a check from them. I asked them they received the money electronically why can't they send it back the same way and they had no answer to that. The bank is in essence hiding something and believes that they do not have to disclose that to customers in the least. I want to know the exact reason the account couldn't be opened and I want my money back immediately. I asked the representative if it was {$2500.00} would I have to wait as well and she said yes. There is no way the bank should be able make money off of me or anyone by sitting on funds whilst refusing to return them in a quick way including the same way they received the funds which is electronically.
Product: Mortgage

Mortgage was paid off in full and closed in XXXX and reported to all credit reporting agencies as 30 days late. Current and Worst Payment Status shows as XXXX days late. This is drastically effecting my XXXX XXXX and effecting me getting another mortgage. 
I have spoke with Wells Fargo and they don't see any late payment they see the loan paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported that my payment in XX/XX/XXXX was more than 30 days late. I have never been more than 30 days late on any of my payments to XXXX. I have been trying to purchase a home and this late payment on my creidt report is hampering me from getting a decent interest rate. I have called XXXX and the credit reporting agency XXXX uses more than a dozen times. I've had 3 way calls with them and my loan officer numerous times and can not seem to find anyone who knows what is going on. I did talk to 2 different customer service rep 's who told me that the late payment was posted to my account in error. XXXX had made a mistake but the credit reporting agency would not remove the late payment. XXXX would not remove it either. I can't get anywhere with these people. This has been going on for over 2 months! I still haven't purchased a home yet because of XXXX and their credit reporting agency. Last check of my credit report shows that the late payment is now for XX/XX/2017. It no longer shows a late payment for XX/XX/XXXXXXXX : /
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made payments via automated direct electronic system with American Honda Finance, however, it shows Potentially negative in my credit report. My credit score was reduced from XXXX to XXXX points because of this error.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$1100.00}.
Product: Debt collection

on XXXX XXXX 2015 and letter was sent out from weber & olcese about a debt with XXXX XXXX they said i owe, i received the paperwork around XXXX XXXX 2015 i did reply to say that the debt was paid for in bankruptcy ..but i never heard any thing else from them, they did n't say well ok or anything they just tryed to sever me in XXXX around XX/XX/XXXX with paper work but i was never home, not until XX/XX/XXXX this year that had tacted on my door..and i found out they been trying to serve me since last XXXX, so they did try to validate the debt, from the paper work they serve me with, they had already got and affidavit sign on XXXX XXXX 2015 from the time they sent me the letter that i got XXXX XXXX, then i had to response back to them, they did n't even take 30 days to validate the debt i wounded had until XX/XX/XXXX to response, had i not, but i did response right back and they ignore my letter, and i thought they where to stop collecting until they validate the date and send me some kind of correspondence, in stead they where getting affidavit to attached to the court papers, i never heard back from them, then i asked where they debt collector when i was in court last week, they said they where employee by XXXX XXXX, but i said the paper work said you are debt collector attempting to collect a debt, they are lying about there identity i hope you can help me get to the bottom of this
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfamiliar things on credit report after selling XXXX CLARITY SERVICES INC Inquired on XX/XX/2019 called couldnt verify XXXX XXXX XXXX Inquired on XX/XX/2019 no new inquiry made on account XXXX/XXXX Inquired on XX/XX/2019 couldnt verify XXXX Inquired on XX/XX/2019 no new inquiry on account XXXX XXXX Inquired on XX/XX/2019 called could not verify XXXX XXXX XXXX  Inquired on XX/XX/2019 no new inquiry XXXX XXXX Inquired on XX/XX/2019 called couldnt verify
Product: Credit card or prepaid card

American Express deliberately refused my attempts to pay my bill and instead sued me for the balance due. They fraudulently reported incorrect information about my account to the credit agencies for over a year with the knowledge that it would cause me financial damages.
Product: Student loan

I just recieved a phone call from Navient previously known as XXXX. First begining with the conversation I was informed I had a private loan I knew absolutely nothing about. After a while discussing this matter I was offered a settlement of {$450.00}. She tried her hardest to get me to pay this portion in full so this loan i knew nothing about would be taken out of deafault. She offered me to pay {$50.00} a month until the {$450.00} was repaid. I informed her " it was impossible for that to happen '' she fought with me stating " you dont want the lower ammount '' i replied " yes of course " she said " my advice, than pay the ammount i stated '' I have a XXXX husband and child that i am barley able to feed. I offered {$20.00} and she basically told me, that couldnt happen because it would take to long and my loan ( that i knew nothing about ) would be in default until it 's paid and they would charge interest again ( after taking it off to " settle '' ) I also have XXXX federal loans that were just taken out of default through loan rehabilitation ( different company ). Now, after the rehab those federal loans are being handled through Navient. I just dont understand this process and feel very offended that this women thinks i am stupid by tricking me to pay a lower ammount. I also KNOW i was taken advantage of by XXXX when the women who applied for my loans for me, told me the XXXX year old me should apply for myself instead of having a co-signer or putting my loans in a parents name. I was also kicked out during my externship at a doctor 's office ( during work hours ) because i couldnt pay them the money owed for a failed class ( due to absenses ) They never even offered me a payment plan for that. I am outraged that 10 years i am still dealing with the harassment of XX/XX/XXXX. Their lies have affected to many of us and today i am informing you that they are still at it, even after all the lawsuits they have encountered. I am scared to continue dealing with them for my federal loans, due to their im professionalism and vandictive ways. I worked so hard to get those federal loans out of default, after years of bad credit i am able to obtain my first credit card. I am XXXX years old and i am not taking this madness anymore!
Product: Money transfer, virtual currency, or money service

This has been reported to the Federal Trade Commission report # XXXX also reported to Cash app case number XXXX and Internet Crime Complaint Center ( XXXX ) Submission ID : XXXX. The FTC notified me I need to report this through my bank as well as Cash app. Cash app can not reverse these funds cause once they are sent they are irreversible. Please advise they ( XXXX XXXX ( XXXX ) XXXX ) email - ( XXXX ) was claiming to be a representative of XXXX XXXX and offering a distribution deal for music they requested a one time fee of {$300.00} and {$50.00} for filing fees for paperwork which neither were valid or received. 

Please correct the error on my account promptly and advise of report of Cash App Fraudulent transactions. Please contact the resources at XXXX XXXX XXXX  for legal and government agency requests.
Product: Mortgage

In XX/XX/2019, XXXX bought my mortgage from OCWEN. The problem that exists is that PHH is failing to make appropriate escrow disbursements that have resulted in an escrow shortage. Now, I don't understand how this  happened since my first payment was on XX/XX/2019, under the new servicer ( PHH ). Secondly, I am real estate tax-exempt based on my VA rating by the XXXX of XXXX, Commission of Revenue office. I contacted PHH to request my refund for taking real estate tax payments from my monthly payments. PHH sent back notification that I had no refunds but was unaware of my exemption status although my previous servicer OCWEN had it on file. I don't trust PHH is telling me the truth on my refund. Lastly, I'm upset that I can't get accurate  information on my mortgage balance. It seems I'm getting updates with account adjustments all of the time with increased principal balances without justification.
Product: Debt collection

Collection agency has been reporting wrongful debt to credit agencies since XX/XX/XXXX. 
As a XXXX member, I was billed directly by XXXX XXXX. XXXX XXXX never billed my medical insurance in which I was covered. XXXX XXXX  attempted to collect the debt through third party collection agency. In XX/XX/XXXX, I contacted all parties involved to explain the situation. I have repeatedly disputed the accusations of the collection agency but they still continue to report negatively to the credit agencies. I have called the collection agency multiple times, with no response from them at all. In XX/XX/XXXX. I sent two official certified debt validation letters that they did not respond to. As of today they are still reporting negatively to the credit agencies. 

Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter
Product: Credit reporting, credit repair services, or other personal consumer reports

RAN MY CREDIT WITHOUT MY PERMISSION
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXXXXXX XXXX  per violation and clearly they violated my rights.
Product: Debt collection

XX/XX/XXXX I switch phone companies From XXXX to XXXX before switching I called XXXX to make the switch I paid my remaining balance and anything left on the bill. Now on XX/XX/XXXX Ic system inc showed up on my credit report saying I owe XXXX XXXX which I paid before I switched from then to now its showing up unpaid
Product: Credit reporting

Experian is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.
Product: Credit reporting or other personal consumer reports

I wrote XXXX and Experian about 45 days ago. I asked them to investigate two accounts that were inaccurate. I provided supporting documentation according to their requirements of what would be acceptable documents. To investigate the inaccuracies. XXXX XXXX response was that i did not follow the proper documentation guidelines. An according to their letter stated what would be acceptable. Which is what i provided them three times. This leads me to believe what iam asking to be investigated and reviewed has not been done. And i have continued to receive false investigation reports. Experian has exceeded the timeline for them to respond and iam now escalating the matter to you. The documentation i have provided is : XXXX XXXX response to the investigation that changed absolutely nothing yet they investigated. 
A copy of the letter i sent them A copy of my current credit report and the inaccuracies. 

I only ask that these companies be responsible and truthful with their correspondence. 
Thanks in advance