23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

in XXXX my parents refinanced a mortgage with wells fargo in XXXX my father passed away in XXXX my mother passed away i was authorized on the account and had power of attorney. I did not know my poa was no longer valid after my mother was deceased but continued making mortgage payments to XXXX XXXX i do believe this account was put into an automatic forebearance due to covid-19. every mortgage payment was made from XXXX to XXXX XXXX in XX/XX/XXXX i started the forebearance in 3 month increments for 12 months. being authorized when it was time to talk to the lender about the next step in XX/XX/XXXX i asked to have the forebearance year put on the back of the loan so i can resume making payments. A representative from wells fargo insisted i do a modified loan and insisted i look at the new loan, i agreed and when i received the loan at the end of it it needed notarized signatures from both parents. i called wells fargo back to let them know that my parents were deceased and they told me i needed to send both death certificates and a copy of my identification. i sent in the information and they informed me i needed to wait for their response. when i received the response it stated i needed to get a letter to creditors a publishing and other legal documents. while i hired an attorney to provide all of this documentation i received a letter stating i am no longer able to access the account or make any payments. i was also told via telephone conversation that i would not be foreclosed on after i stated to make my payments by a representative. while all of this was taking place in XXXX of XXXX i received a letter telling me the home was being foreclosed on and the following XXXX the publishing ended the will was administered and my brother who was the beneficiary received a deed of distribution then deeded the home to me because i lived in the home and he was out of state. I called wells fargo well over 30-50 times all of the different departments trying to work with the lender which i had read to keep the home and every response to me was a letter stating i was not a confirmed successor and that they could not work with me. I was under the impression that as long as i was trying to keep the home that they would work with the heir which is myself to keep the home. The home went into foreclosure and auctioned on the XXXX so now there is a holding company that has sent me a 3 day quit notice and letting me know that i am unlawfully living on the property. I am still trying to keep the home and hope that i can keep the modified loan that was offered to my deceased parents who never missed a payment. I am at the present the property owner with mers on my land record. I am willing to continue to work with the lender to keep this home and in hindsight if the home never received an automatic forbearance i could still possibly be living in the home as long as i kept up with the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened account with XXXX XXXX in 2004. Account was inactive for two years. XXXX XXXX automatically closed account and shows records for it being closed. Equifax shows the account as open and I would like my report to show it was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX* Balance Owed : {$2800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : {$6200.00} DP OF EDUC XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOE/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: Mortgage

This desperate company on the verge of bankruptcy is attempting to communicate with me from my original communication from over XXXX years ago! No, I am not interested in a mortgage from your company from XXXX years ago! However, this sham company is XXXX calling me numerous times and also via email. Immediately, cease and desist all communications! Remove all communications though e-mail, phone and US Mail. Phone number : XXXX.
Product: Debt collection

I had a XXXX $ balance with kikoff lending I called the aforementioned company and paid the balance, expecting for the negative item to be removed from my credit report, but also did the dispute with XXXX giving XXXX the receipt that the balance was paid on XX/XX/year> directly to kikoff lending, and no one is willing to remove it from my credit report it is currently showing on my credit report as charged off XXXX nore XXXX is willing to remove it from my report although the balance is paid and paid directly to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these ITEMS ( A ). It is not permissible to fail to validate these reporting ITEMS as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXXXXXX XXXX  ( Original Creditor : 01 XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00}
Product: Payday loan, title loan, or personal loan

In accordance with the fair credit reporting act Convergent  Account # XXXX, has violated my rights. 15USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 16666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Bank ) XX/XX/year> / XXXX XXXX XXXX Bank ) XX/XX/year> /
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX Date : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Verified Dispute under the Fair Credit Reporting Act Dear TransUnion, I am writing to formally dispute the accuracy of information on my credit report, as verified by TransUnion , in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. I request that you conduct a thorough investigation into the matter and provide me with a detailed response as soon as possible. 
Public Record Account Information : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX BANKRUPTCY XXXX XX/XX/XXXX. 
Nature of Dispute : On XX/XX/XXXX, I submitted a dispute regarding the public record on my credit report. Under the FCRA, you are required to investigate and verify the accuracy of the information within 30 days. However, I have reason to believe that the verification was not conducted within the specified time frame, as outlined in Section 611 ( a ) ( 1 ) ( A ) of the FCRA and the public recorded must be deleted.

I am seeking clarification on the verification process and request that you provide documentation demonstrating compliance with the statutory time limit. Additionally, please provide all information that was verified during this process.

I am aware that the FCRA requires you to investigate disputes in a timely and thorough manner. Failure to comply with these provisions may result in legal consequences, including the removal of inaccurate information from my credit report.

I expect your prompt attention to this matter, and I kindly request that you provide a written response within 30 days of receiving this letter, as required by law. 
Thank you for your prompt attention to this matter. I look forward to a resolution that ensures the accuracy and integrity of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 my 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 payments that reported 60 DAYS LATE 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 never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX 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: Credit reporting or other personal consumer reports

I have disputed an Jpmcb account with all three bureaus ; its appears the credit card was opened in XXXX of XXXX  with a credit card limit of {$7100.00} and a negative balance of {$1000.00}. I have notified all three bureaus that I was XXXX  when this account was opened along with documentation from my probation officer. I received notification that the account was verified accurate. It was impossible for me to receive any goods or services from JPMCB during this time frame,
Product: Mortgage

My loan is currently serviced by PHH Mortgage Servicing, po box XXXX, XXXX. XXXX, NJ XXXX. My loan number is XXXX. The contact number for PHH is XXXX XXXX and the email is XXXX. I have paid my balance down to well under the 78 % loan to value required by the Homeowners Protection Act but PHH refuses to remove the cost of Private Mortgage Insurance. I have been working with them since XXXX of 2023 when I made a payment to reduce my principal balance. 

Since then, I have been told that the Investor on my loan requires that I pay for a new appraisal and that the appraisal will then need to be reviewed to determine if I am eligible to have the cost of Private Mortgage Insurance removed. I have talked to a number of people that are in a supervisory position and discussed the clear language in the Homeowners Protection. In response, I am told that Investor requirements are more important than the act and that I must pay for a new appraisal or continue to pay the cost of PMI. 

I have continued to make timely payments while trying to have PMI removed. My balance is now down to 75 % loan to value and they still will not remove PMI. I need to know if Investor requirements can override the Homeowners Protection Act?
Product: Credit reporting or other personal consumer reports

I recently at a copy of my credit report and noticed several inaccuracies on my accounts. These accounts are hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the accounts I am asking you to verify as accurate : 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: Checking or savings account

I stay @ home & take care of my tetraplegic adult son. In XXXX of 2022 A law service decided to take {$700.00} & Well Fargo charge me a Outrageous processing fee. The law firm acknowledged they way they took the $ $ was unauthorized, but they took it anyway. I explained this was all the $ $ we had to take care of my son for the month. It caused my family unimaginable hardships & Wells Fargo basically said its nothing we can do, even though I tried to explain the way it was handled was in deed illegal. My family was dealing with unimaginable grief, but I was brushed off like it didnt matter. I tried showing proof of all my evidence but that bank didnt care.
Product: Mortgage

I made a payment online to Green Tree. They replied back about a week later saying the bank XXXX did not have enough funds to cover the mortgage payment. The letter states I owe them {$25.00} is processing fees and know the payment is late so I have late fees as well. Of course there was more than enough money in my account at XXXX. Green Tree has no said they will no longer take online payments or checks from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it againXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership. Asked the price of the car. The guy came back with the price and I told him no thanks. Somehow he ran my credit with equifax without my authorization. I had purchased a car from them the year before and I think thats how he got my info. I did not sign anything I did not apply for financing at the dealership I told them I was just shopping around at the moment getting prices and test driving cars. I called equifax and they told me I would have to call the dealership to remove the inquiries. The dealership told me they were too busy to call equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT LETTERS TO ALL THREE CREDIT BUREAUS, STATING THAT MY IDENTITY WAS STOLEN AND I NEED THEM TO VERIFY THESE ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. XXXX  AND XXXX HAVE REMOVED THE ACCOUNTS THAT I DISPUTED BECAUSE THEY COULD SHOW VALIDATION. AFTER WRITING 3 LETTERS TO EXPERIAN ABOUT THESE ACCOUNTS, THEY STILL HAVE NOT SENT ME ANY PROOF THAT THESE ARE MY ACCOUNTS AND INQUIRIES. AFTER THIS COMPLAINT, I PLAN ON WRITING ONE MORE LETTER. IF THEY DON'T REMOVE THESE ITEMS I PLAN ON TAKING LEGAL ACTIONS.
Product: Debt collection

This debt is affecting my credit bureau, I received no notification in writing of this debt, I only came across it in XXXX XXXX and then disputed it, and it was removed, however I then went to XXXX and disputed twice, stating this is not my debt, and they did NOT take it off..the company is XXXX XXXX XXXX opened XX/XX/21 for Il Dept of XXXX XXXX with a balance of {$1200.00}, there is NOT an account #, I WANT THIS OFF MY CREDIT BUREAU/XXXX, this is NOT MINE, I LIVE IN TEXAS AND HAVED LIVED HERE OVER 20 YEARS PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency XXXX XXXX is still showing on my credit report from XXXX. This collection agency has reported to to all credit bureau 's that it was paid in full and due to it being a Fraudalent account, they have sent The request it to be deleted permanently from my credit file. Also in the documents attached and previous dispute. XXXX XXXX responded that this collection should be deleted. XXXX has npt followed orders and has this collection listed as paid, with a balance of $ XXXX closed account. But still listed on my credit report under paid collection. I have sent documents from XXXX XXXX that was mailed to me, a previous dispute with a response from the collection agency stating to remove this collection entirely from my credit report and proof of a photo shot document that it is still listed.
Product: Student loan

Approximately 2 years ago, Navient ( formerly XXXX ) sent me documents to fill out regarding my total/permanent XXXX status. I was to complete the documents and submit them to Navient 's partner, XXXX, which I did. 

The purpose for this was to allow XXXX to determine whether in their opinion I was totally XXXX, as was both Social Security 's and the Federal Department of Education 's opinions. 

XXXX agreed as well, but told me that the final decision, based on XXXX XXXX 's findings, would be up to Navient. 

Naivet agreed to my XXXX status, and removed me from any further responsibility for the loan payments - leaving them all to my co-signer. 

However, Navient did not and will not remove the outstanding debt still owed from my credit report. 

It seems to me that if I am removed from ALL FURTHER responsibility for this debt, I should also have the total outstanding debt remaining to be paid removed from my credit reports as well. 

In attempting to sort this out with Navient, all I ever get is their reply that " Their records are correct. '' I thoroughly disagree because how can a debt I have NO responsibility for continue to be listed on my credit reports as if I DO still have responsibility for this debt. Of course it does n't look good to creditors to think I am that much more in debt when I am not. 

I want Navient to discontinue reporting this debt on my credit bureau reports because legally THIS IS NO LONGER MY DEBT. 

Thank you for your assistance. 

XXXX XXXX
Product: Credit card

I opened a dispute with Capital One for an unauthorized charge I didnt notice on my statement. I was informed a new card would be shipped and my account would be credited for the amount right away. However, I still havent received the amount in my available credit as promised. I also was unable to get detailed information on the entire process and likely outcome, as this is my first time ever opening a dispute. I need this credit to be applied asap with clarity on the procedure going forward.
Product: Credit card

I received a. Email from Avant Master Card that a credit card under my name was a privated and several transactions were made using the card. I've never received an Avant Master Card nor have I activated one. I reached to Avant today about 3 different times and they were not being helpful with the info the that I was requesting. Then the line was cut off. I tried to call back several times but I kept getting an answering machine that stated sorry for the inconvenience, we're having a technical difficulty at this time, please try your call later.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXt account XXXX XXXX XXXX. acct # XXXX, XXXX XXXX acct # XXXX, and XXXX acct # XXXX 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 a account without my written instructions
Product: Mortgage

I requested a refinance loan from Rocket Mortgage. We came to agreeable terms. 
My Loan Officer went on vacation. While she was gone my loan was rewritten to include a 25 year loan instead of a 30 year VA Loan. This increased my payment by {$300.00}. Also my percentage rate jumped from 2.87 to 2.99. The president told me it was because my credit was bad.

I cancelled this loan before my loan officer returned. When she returned she wanted to know why I cancelled. She tried to go in and rearrange it back to where it was.

I told her what the president said about my credit and she told me that VA is more forgiving about credit and it didnt really matter. So my rate was raised because my credit wasnt good enough, but, but it didnt really matter with VA anyways.

My loan was reconstituted, except for the raised percentage rate of 2.99 % instead if 2.87 % So it looks like a quick shuffle to raise my rates.

From the # 1 Lender in the Country.