23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I reached out to Mr. Cooper requesting that my PMI be removed. I made major repairs to my home and purchased the home below market price. I know my have has a minimum equity of over XXXX. I requested that the mortgage insurance be removed from my loan as I have made substantial repairs and upgrades that makes the LTV to be over 70 %. The representative that took my call informed me that based on the repairs I qualified and that the home had to be appraised. I waited over a month and nothing happened. I called back and they informed me that the order for the appraisal was cancelled but could not say why. I asked why I was not notified and she said a letter had to go out. I informed the lady that I would not receive a letter as my account was set up to receive all correspondence via email. 
She then said, she would escalate to a manager. She then called and informed me that the reason for the cancellation was sent electronically. Which I did receive on XXXX that the reason I did not qualify was " Other and that I should call the customer service desk. '' Which I found this to be an in appropriate reason. I called back and they said that I did not qualify as my loan was not seasoned for two years. Again, I was puzzled as I did not find that to be a qualifying factor when I looked at their guidelines. I again informed the representatives of all my upgrades and the market value of my home. She said she would escalate. Two days later she called to tell me that I did not qualify as the guidelines for the loan to be seasoned was not Mr. Cooper 's rule. 
I informed her that under the Homeowners Protection act, my loan did not have to be seasoned and that I insisted that this matter be reviewed again. She said they would and that I would receive a new letter with the reason clearly described. I have yet to receive a letter from Mr. Cooper and now they claim that my matter is closed. I emailed them the below information and I still can not get them to appraised my home so that the PMI is removed. 



Other things to keep in mind about the Homeowners Protection Act Loan investors, including XXXX XXXX  and XXXX XXXX, often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the XXXX provides. But these guidelines can not restrict the rights that the XXXX provides to borrowers. For example, the XXXX does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). 

With this information, please advise how quickly can the appraisal be scheduled since you have had my request for over 30 days.
Product: Mortgage

I have XXXX house located at XXXX XXXX XXXX XXXX FL XXXX, I do not have any mortgage with Bank of America, the house is a construction built, first Bank of America refinance the house in their own and work away without give a cents, when I fought the case in court it sold the house. My lawyer make a deal with the bank and share the money together leave me without nothing. What bad in me, my lawyer told me I 'm a XXXX man no justice for me.I want known if this kind of abuse is right. My contact # XXXX XXXX XXXX If you need more prove I can get the papers from the lawyer and Fax to your attention
Product: Credit card

Citi has been lowering my credit limits for months and maybe even into a couple of years at this point. They're doing this to keep my utilization high, so they can keep my interest high. I suspect they're committing fraud against XXXX  of their consumers and they need to be investigated. Prime example, they close XXXX of my accounts and I requested they be reopened back in XXXX, they said it couldn't be done. Now they are saying they could have but it has been too long, and the two accounts I recently closed within the last two weeks could have been reopened but my utilization is too high. It is a never ending cycle with them. I have accounts with XXXX XXXX  and XXXX bank and neither has lowered my limits, not cut my cards off and my limits with them are XXXX the limits than with Citi. Imagine Citi forcing consumers interest up by XXXX percentage points, of their XXXX  credit card debt at $ XXXX, that's an extra $ XXXX per day in interest they can charge their consumers. This is disgusting, shameful and they need to be investigated for trying to bankrupt the American people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$4000.00} and XXXX XXXX XXXX Date XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not delete the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) 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 a my file at Bureau 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 item 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. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone back and forth with Equifax so much over the last few years that it is absolutely ridiculous. They are reporting incorrect data on my credit report and refuse to remove it. I have gone back and for with the companies that supposedly have report these fraudulent accounts to Equifax and even after the companies themselves have written to Equifax to have the negative items removed, they still refuse to do so. Most recently, i filed a dispute with Equifax in XX/XX/2019. I guess they received it today because now i can not view my report or score on myequifax.com or my other credit monitoring site ( XXXX  XXXX ). When i log into my account, i get a message telling me to call customer service. After 3 failed calls and being on hold for hours, i finally get a rep who hangs up the phone in my face after verifying my identity. This can not be legal.
Product: Mortgage

They have been reporting incorrect information over the past 3 years. They report an increase in balance every time I make a payment. They have reported inadequate information about my payments being delinquent.
Product: Credit reporting

On Equifax, there is still a " XXXX, TX '' address. I have never even been to Texas. That is not mine. I contacted someone in the past, it must have been XXXX, as I see it is not on that one anymore. I need that removed. I have paid off XXXX large debts within the past 3 months and my credit score keeps going down. Why?
Product: Vehicle loan or lease

I leased a vehicle from PRIORITY TOYOTA in XXXX XXXX when I lived in that state in XX/XX/2015. When I originally got the vehicle they told me that my payment amount would be XXXX and some change. At that same time my ex leased a vehicle also and needed a cosigner and they had asked me to co sign on the loan for him. At that time I was only making about 28000 a year and somehow I was approved for 2 auto loans equaling out to over 50k?  With that being said I remember the dealership acting kind of off about my income and I think they falsified my information. Anyways, I was making the payments on my vehicle and I decided to move back to XXXX where I am from because things did not work out with my ex and I. within 2 months my payment raised to XXXX and I was not notified about it at all. When they did that I had not found a job yet and so I got a little behind on payments but when I did finally find a job I went back to making the standard XXXX. payment because that's what I thought it was the whole time and now almost 2 years later I have been playing catch-up with them because they raised my payment, keep charging me fees, and there's some miscellaneous fees on there totaling over 300 dollars. Also, within this time my ex decided not to make payments on his vehicle so I now have that on my credit report as a charged off because of the whole situation. I have called TOYOTA FINANCIAL several times to try and resolve this and they were just rude and blew it off. I now have a XXXX month old baby and am a single mom and my car payment and me trying to catch up is just WAYYYY to much for me. So I am hoping with filing this complaint SOMETHING can get resolved because I feel like that dealership completely took advantage of a young girl.
Product: Mortgage

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report.
Product: Debt collection

This debt collector Receivables Performance Management violated the FCPA by violating Regulation F. This company failed to make contact with me first nor notify me by mail, call, or email of this debt prior to contacting the credit bureaus. Regulation F states that collection agencies must contact debtors before contacting the credit bureaus and Receivables Performance Management failed to do so.
Product: Vehicle loan or lease

On XX/XX/XXXX, an erroneous property tax balance of {$520.00} was applied to my vehicle lease account with Toyota Financial Services. After several calls to have it corrected, it was not corrected ; and was reflected again on the final statement of the account on XX/XX/XXXX. On XX/XX/XXXX, I was advised by a representative to make an over-payment of the erroneous property tax balance of {$520.00}, which was made over the phone ; to avoid an inaccurate 30-day late payment flag on my credit report. Furthermore, I was informed I would receive a refund for the over-payment. 

I received a letter, dated XX/XX/XXXX, to remit payment of {$870.00} for property tax accrued based on Connecticuts Tax assessment date of XX/XX/XXXX. However, the balance of {$870.00} is based on the full year of XXXX, and needs to be adjusted to the pro-rated amount based on the plate cancellation date of XX/XX/XXXX ( The vehicle was sold on XX/XX/XXXX ). Connecticut property taxes are pro-rated by day, as confirmed by my local tax assessors office. 

In response to the letter, I certified mailed the required property tax adjustment documents to the return address of the " remit payment '' letter ; the vehicle purchase agreement, plate cancellation receipt, and the over-payment confirmation made on XX/XX/XXXX. In addition, I included the pro-rated calculation of the property taxes owed. Because the over-payment was more than the pro-rated amount owed, I am due a refund of {$110.00}. 

I recently received two additional letters dated XX/XX/XXXX, disregarding my letter and denying my over-payment stating " our records indicate we have not received payment from you. '' The erroneous property tax balance was never corrected, and I have still not received my refund for the difference between my over-payment and the pro-rated amount owed ; because Toyota Financial Services won't request the property tax adjustment from the local tax assessor, as required by them as the owner of the leased vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act this creditor has violated my rights. Under 15 UCS1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States : report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage and should be excluded per section 2 of Rules of Construction. Equifax is reporting several late payments on mutiple accounts. 15 USC1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Equifax written instructions to report anything to my consumer report, let alone late payments or utilization. There is nothing about the reporting of theses late payments that is accurate and my privacy has been violated due to Equifax reporting these late payments and utilization.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these.Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, sent XXXX and Transunion a dispute letter 5 months ago regarding inaccurate information on my credit report. The accounts have yet to be verified and are still reporting. One account in particular was removed from my XXXX credit report last month, but XXXX and Transunion have failed to remove it. The account is collection XXXX XXXX XXXX XXXX. I am requesting that XXXX and Transunion follow suit and delete this unverified account. I am also demanding an investigation of the accounts listed in the dispute letter which I will attach for your reference. The letter is dated and time stamped. Investigate and remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

A former employer opened a retirement account in my name for {$100.00} in 2012. I have watched as quarterly fees have steadily reduced it to {$76.00}. I received notice that my former employer was switching retirement companies and that i had the option to cash out the amount. I took the cash out as it was would be unwise to just let it dwindle to nothing with the fees. The rep said numerous times on the call that I recorded that I would receive a check for {$76.00} and never once mentioned any fees. However, once I received the check it was only for {$36.00}. I have the recorded call I can provide you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and myself taken to court for past due rent see attached files. Mobile home park not awarded total asking for court awarded {$370.00} total judgement all we were to pay {$370.00} awarded XX/XX/2017 judgement paid in full XX/XX/2017. Mobile home park reported to XXXX XXXX XXXX  agency balance of what they were sueing us for they report we still owe {$460.00}, after giving XXXX XXXX for {$370.00} we were ordered to pay by court. I have sent copies to XXXX XXXX XXXX XXXX XXXX XXXX home office to no avail. This is still being reported on our credit files erroneously since XXXX. I have also sent copies to all 3 credit bureaus the state info is accurate. This is just not true and they have not deleted this off our credit files. Please help
Product: Checking or savings account

I am filing a complaint with the CFPB because my bank account has been frozen due to a disputed XXXX payment. I sold a XXXX to cover my XXXX, and the buyer now claims that they didn't authorize the payment. Consequently, my account is frozen, preventing me from using my card or withdrawing funds, although direct deposits are still being processed. 

This situation is highly problematic as I have upcoming bills that need to be paid from this account. It doesn't seem fair or reasonable for my entire account to be frozen for up to 10 days based on an unsubstantiated claim. All I do with my account is pay bills, and this freeze is severely impacting my XXXX XXXX. 

I seek immediate assistance in resolving this matter so I can access my funds and meet my financial obligations.
Product: Debt collection

I got an alert on my credit report that a collection was placed on my credit bureau on some it showed XXXX owed and on the others it showed {$70.00} as of todays date u have never been contacted nor has this account been verified that I owe this debt I was never given the right to dispute this debt nor did this company contact me with my rights they immediately placed this debt on my credit never giving me the opportunity to dispute nor verify my debt this company is doing illegal collection tactics in order to ruin the consumers credit company has violated the fair credit reporting act to protect the consumer
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I sold my house. With the proceeds, I paid off a loan for {$9000.00} ( est ) and another loan for {$1800.00} ( est ). I was told by my lending company for purchase of a new home loan to pay off my smaller credit cards which I did, about XXXX. My Transunion credit report decreased about XXXX points while XXXX and XXXX stayed the same with smaller increases. Transunion stated they could not see those credit cards that I paid or my loan which should be in my credit history just like they can see late payments or new requests for credit.
Product: Credit reporting or other personal consumer reports

THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These companies are reporting fraudulent inaccurate information on my credit report. 

XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) I have requested that they provide the purchase agreement to show full ownership of such account and all other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have been paying on my vehicle for almost 3 years. The company has only reported the first 15 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XX/XX/XXXX as Current with a XXXX balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since XX/XX/XXXX and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. Please help.