23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On recommendation of my realtor, my wife and I approached McLean Mortgage Corporation based in XXXX, VA, and loan officer XXXX XXXX, in XXXX Virginia, about obtaining a preliminary estimate ( Loan Scenario Worksheet ) for a lot/construction loan for a potential future purchase. 
Our initial conference call was on XXXX/XXXX/15. No specific land or dwelling was specified, and we did not formally apply for a loan, nor did we sign any documents with McLean. On this call, I clearly stated, as my wife can verify, this was to understand estimates for closing costs, and NO credit report should be pulled, as it could impact our credit score adversely if we went with another lender. 
In a subsequent face-to-face meeting on XXXX, XXXX XXXX admitted she HAD pulled our credit, without written, email or verbal approval. Subsequently, we determined we were not going to pursue new construction at this time. Unannounced, I was very disturbed by a letter from McLean in the mail XXXX/XXXX/15 titled " Statement of Credit Denial '' with a loan number for purchase of property NA. Since we did not formally apply for a loan, there should not have been any loan tracking number, amount or interest rate!
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts of trying to dispute old and inaccurate addresses that are still on my credit report that needs to be removed that is still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have identity theft fraud acounts taken off of my credit report. Equifax, XXXX  and XXXX  keep filing it as a normal dispute and not identity theft. I've submitted ftc reports and proper identification several times. My right are being violated I've talked to several managers and all they tell me is there's nothing they cam do until investigation is done.. it is keeping me from qualifying for a mortgage and I am facing eviction I've been working on this for months. They refuse to take items off that do not belong to me. My XXXX kids and I are going to be XXXX. This is entrapment. I feel helpless. And as if I have no rights and the credit bureaus get to dictate my life. I don't understand why they are not following the law. I submitted my ID and social security card along with ftc reports. Why won't they do their job? It's the most rediculouse ordeal I've ever encountered. I've called almost daily basis I've spoken with managers they all yell me somthing different and ultimately that I have to continue to wait. I did wait resubmitted my documentation for them to again file it not as identity theft but as a normal dispute. It's insane and I am going to sue but in the meantime. I need these items taken off or we will be XXXX.
Product: Debt collection

XX/XX/2022 ERC XXXX XXXX ( not me ) Sent to my current address. 
Reference # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Amount {$770.00} This same woman used my daughters SS number 20 years ago.
Product: Mortgage

fay Servicing Applied for loan modification in XX/XX/XXXX was approved.in XX/XX/XXXX. The problem is the interest went from 4.5 % to 6.00 % the payment went up from {$580.00} per month to {$950.00} per month. There was a provision from the last modification for XXXX which {$34000.00} that was put into a non-interest bearing account to be paid at the end of the XXXX. This was court order from XXXX when XXXX was doing illegal mortgage practices. 
XXXX added the {$34000.00} to the the current mod with 6.0 % interest. This looks like the investor and them are taking a sub prime loan and making it dome to fail again like in XXXX when housing bubble started just make more money off the loan to send it to foreclosure again for quick turnover. The going rate for a mortgage is 3.95 % for an average credit score between 650-680. We have debit to income ratio and credit score that makes well qualified for a XXXX interest rate. This loan sharking activity is mostly likely happening to others that are coming out of the covid-19 forbearance protection asking for repayment option such as Modifications or Deferment payments which are the main options. Surprised by the new amount due for XXXX goes up from {$700.00} to {$1400.00} for the past 18 months forbearance. I don't know many people that can absorbed that increase at once. Please refer the previous complaints filed by me about the life of this mortgage Loan for the past XXXX. 
Case # XXXX Case # XXXX Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.
Product: Debt collection

To Whom It May Concern : I am submitting a complaint regarding inaccurate credit information and improper debt collection practices by Amsher Collection Services ( also doing business as XXXX XXXX XXXX XXXX XXXX XXXX ). Despite my disputes, they continue to report incorrect debt information related to an alleged XXXX account. 

On XX/XX/XXXX, a collection account was added to my XXXX, XXXX, and XXXX credit reports by Amsher, showing I owe {$730.00} on XXXX and XXXX and {$730.00} on XXXX for a XXXX debt. However, Amsher failed to properly notify me of my right to dispute this debt and also has an incorrect address associated with the account. 

I have no knowledge of this debt and assert I do not owe Amsher Collection Services, XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  any money. The inconsistent balance amounts they reported on the three credit bureaus also demonstrate the inaccuracy of this supposed debt. Amsher Collection ServicesXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has no proof of this debt actually belonging to me. 

I sent Amsher a written dispute on XX/XX/XXXX explaining all these issues but received no response. They continue violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act by failing to validate this illegitimate debt and not correcting erroneous credit information when disputed. 

I am prepared to enforce my rights under federal and state debt collection laws through legal action if they remain non-compliant. Please help me resolve this issue with Amsher Collection ServicesXXXX XXXX XXXX XXXX XXXX XXXXXXXX . 

The account number : XXXX for XXXX XXXX XXXX XXXX XXXX XXXX and the one reported on my credit report lists a partial account number but is : XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX, Transunion and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 




Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX - Amount : {$200.00} Incorrect Addresses to be Corrected IMMEDIATELY : FROM : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing.

Once the inaccurate information has been removed and/or corrected, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution.

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Mortgage

I have a conventional mortgage with PNC Bank, taken out in XX/XX/XXXX for a new home purchase in Maryland ( XXXX County ). I have been servicing this loan and have remained current on all my obligations to date, without a single delayed payment. 

Following significant investment in the property and general value appreciation, and taking into account independent expert advice I received, I came to the conclusion that I had achieved lower than 80 % LTV in  XX/XX/XXXX. 

I have filed a request to delete the PMI in XX/XX/XXXX. PNC took a long time to respond to me and they finally ( after a number of follow ups ) sent me a letter dated XX/XX/XXXX, detailing the processes that I would need to go through to delete the PMI. As required, I sent PNC a check to pay for the cost of an appraisal. 

The appraisal took a while to schedule and finally the appraiser contacted us and we scheduled it for Friday XXXX XX/XX/XXXX. Then, after a number of follow ups across a number of days, PNC wrote a letter dated XX/XX/XXXX ( which I received first week of XXXX ), indicating that the appraisal value for the property was {$630000.00} ( without sharing the appraisal report ) and that I needed to reduce my balance to {$500000.00} to delete PMI. 

As per their instruction, I immediately processed a principal reduction and reduced the outstanding balance of the loan to XXXX on XX/XX/XXXX, and contacted PNC Bank as indicated on their letter to let them know, so that they can delete the PMI. 

I still have not received the appraisal report and don't have a view whether this assessment is valid. I can not contest it without having the report. XXXX County 's ( Maryland ) tax assessment as of XX/XX/XXXX for the property is {$650000.00}. The PNC Bank appraisal value is below this. 

As of today, I have contacted PNC Bank four times between XX/XX/XXXX and today regarding the deletion of the PMI, having complied with every request and investor requirement. I still have not received confirmation on PMI deletion. Although I have made a principal reduction, I am still incurring PMI. 

I believe this is unacceptable behavior and felt obliged to report this to the CFPB. 

I look forward to hearing your views.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX in XXXX and included all cases that were reporting negative and inaccurate information as well as dismissed cases or cases with no monetary judgements. In XXXX of XXXX Transunion credit reporting agency reported items that were included in my bankruptcy and refused to remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of applying for a home mortgage. 

I misplaced my passwords and/or PINs for the three major credit reporting institutions : Experian, XXXX, and XXXX. So, to preface this complaint, if I had 100 % fidelity in regards to password/login/PIN management, you would not be hearing from me now. 

On Friday, XX/XX/XXXX, I spent ~ 90 ' trying to undo my error. I was successful with both XXXX and XXXX. The 45 ' I spent that evening working w/ Experian resulted in me reaching a dead end electronically and via phone. I was provided a piece of paper advising me to send ( via mail, no less ) a copy of my driver 's license, a copy of my original SS card, a bank statement with my address, and a utility bill with my address to Experian in XXXX TX. 

Due to being under some time constraints, I have spent ~ 45 ' on the phone with Experian personnel on XX/XX/XXXX and XX/XX/XXXX. Much of that time is on hold as Experian has many roadblocks in place to ensure that speaking with an Experian employee is difficult. Yesterday, I reached someone at the supervisor level who, I thought, was helpful. That individual instructed me to upload the above documentation to Experian ( via a web address ) and then call back the next business day. When I did that today to discuss my request for a new PIN number, I was told that uploading my documentation to Experian and then calling was not sufficient for their purposes and I was again advised to mail my documentation to them, whereupon my documents would be acted on within 10 business days and that I would receive a response via US Mail. As of this complaint, I have sent my documentation to Experian via XXXX XXXX  this afternoon. Included with that was a memo I drafted requesting a phone call and/or email response to expedite resolution of the impasse in which I find myself. 

I'm all for security, but I don't like being held hostage. This company is off the rails. I have the luxury of time prior to a potential closing date to overcome their lack of helpfulness. However, if this were not the case, my life could be substantially derailed by their inflexibility in the service of security. This is particularly ironic in the case of this company which has had at least one significant data breach in the past. In XX/XX/2019, for a company with this power to be doing all of their work via paper through the mail, is laughable from the perspectives of both wasted time and security.
Product: Debt collection

Capital One Auto has a car that is covered under my bankruptcy- 2017 XXXX XXXX XXXX They hired a particular company to get the vehicle and thats fine, its the fact this company has NOT responded to a complaint after 72 hours and they still have my personal property in the vehicle as their towing company didnt allow me to get it all. They will be hearing from my wifes attorney and my own as they are refusing to give me my personal property still left in that vehicle. I have a taped recording of them stating I could retrieve EVERYTHING but that didnt happen so unless they desire to get sued I suggest they get back to me as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report to make sure everything is correct and I came across information not matching. 
Everything on my credit report needs to be 100 percent correct or I have the right for a deletion. They have made several violations against me XXXX XXXX XXXX XXXX Acct Type- Detail information does not match XXXX XXXX and XXXX XXXX Opened-information does not match XXXX XXXX and XXXX XXXX Limit-information does not match XXXX XXXX and XXXX Last Reported-information does not match XXXX XXXX and XXXX Comments-information does not match XXXX XXXX and XXXX Date Last Active- information does not match XXXX XXXX and XXXX Date of last payment - information does not match XXXX XXXX and XXXX Also XXXX is still reporting my account every month when they no longer have my account These are all violations especially still reporting ok as you can see in my credit report page I supplied.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Do you know or have any idea how XXXX it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively XXXX  both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Product: Mortgage

Flagstar is not posting HAF payments. The last payment posted was XXXX, prior to that it was XXXX. 
They are mishandling funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four hard inquiries on my credit report that should not be there. These inquiries are here due to inquiry issue! I would like them removed. 

XXXX, supposed inquiry date : XX/XX/XXXX XXXX : supposed inquiry date : XX/XX/XXXX XXXX XXXX XXXX supposed inquiry date : XX/XX/XXXX XXXX XXXX Supposed inquiry date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an letter from Equifax stating that an account I disputed was deleted. Today XX/XX/2023 the account is still reporting on my credit file. Account XXXX XXXX ACCOUNT number XXXX. I have attached below the letter Equifax sent to me stating the deletion but its still reporting. Please correct this error being though its causing harm to my credit profile.
Product: Money transfers

I went to Walmart to use the moneygram financial service to send {$2200.00} to the recipient XXXX XXXX and was charged a {$45.00} fee for the transaction. I was given the confirmation reference number # XXXX and submitted all required information. When the recipient went to accept the funds, he was unable to and was told that he needed me to contact moneygram at XXXX and that the form was filled out incorrectly. Firstly, all information was filled in by the authorized Moneygram representative at Walmart. Secondly, when I called that number I was only asked survey information and ultimately disconnected from the call. I called XXXX located on my receipt and was told that there was a note on the transaction that required additional information. I was transferred to two times and only asked the same information, being reference number, my name and recipient name. Upon the the third transfer I was left on hold over 33 minutes and as I type this am approaching another 30 minutes of being on hold for a total time of an hour. I believe their actions to be fraudulent in nature, they were paid a fee to provide a service and said nothing about missing information when they took my funds, but have not revealed anything regarding the alleged note on the transfer other than they just like to double check information on larger transfer amounts. I was denied a direct number to the local compliance agent who they are allegedly transferring me to as well as a name, if I 'm even being transferred at all and not simply left on hold. I believe they are fraudulently using the excuse of consumer financial compliance in order to hold my funds and nothing in the transfer violates any consumer financial compliance laws nor have they informed me of any viable reason for their actions. Furthermore, I believe their actions are in violation of consumer finance compliance laws as I have not been notified of any reason for the delay nor have I been given the opportunity for proper escalation to resolve the matter.
Product: Checking or savings account

Navy federal allowed charges to go through when in fact there was no funds either due to a scheduled withdrawal or a misrepresentation of how much money was available in the account. This happened countless times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report Number : XXXX Date Generated : XX/XX/2020 Account Number Starts With : XXXX Collection Company : NCB MANAGEMENT SERVICE Amount Owed : {$9200.00} I am not liable for this debt with XXXX XXXX XXXX . I do not have a contract with NCB MANAGEMENT SERVICE. Neither XXXX nor NCB MANAGEMENT SERVICE has provided me with the original contract as I requested.
Product: Debt collection

CFSI is attempting to collect a debt with an amount that can not be confirmed with the originator of the debt with a service date of XX/XX/XXXX. I reached out to my insurance at the time for this service and they were billed for a hospital bill in XXXX. The total of the bill was {$510.00} dollars. My portion was {$18.00} which I paid. Regardless this debt is time barred according to WA state law RCW XXXX stating that debts are only collectable for 6 years. It reached the 6 years in XX/XX/XXXX. It is illegal to attempt to collect this debt in WA state according to law and case precedence. When I reached out to XXXX  XXXX the folks CFSI said they were collecting on behalf of they even stated the debt was time barred even if it were accurate and true. 

I would ask they remove it from my credit immediately. In addition this company lied to me on a recorded call stating that they spoke to me XX/XX/XXXX from a previous complaint I filed with CFBP ID XXXX in their response.They never spoke to me as they stated on the recorded call they didn't have my account in XXXX as a manager stated on the recorded call. When I asked for their debt liscese number they also refused to give it to me on the call and referred me to their website instead. 

They are using misleading practices to attempt to renew the statute of limitations of this debt which is illegal. I purchased a home in XXXX and XXXX and have monitored my credit very closely. It is very strange that a debt over 6 years old has now come up in collections. In addition I have never received any other information from this company. I reached out to them when I received notification form My Fico. The information they providing is false. The recorded conversation is attached.