23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Carrington Loan loans. loan number XXXX. XXXX XXXX XXXX borrower. property address XXXX XXXX XXXX XXXX, Oh XXXX. 

The servicer has not paid the annual insurance expense, which is inc. in escrows. Ins agent called several times to investigate and received no response. Ins. agent called me to inform me of the issue and advise the policy was due to expire without payment in 10 days. I called carrington, spoke to service rep, and she advised she would investigage and call the carrier. I requested a phone call/email to confirm problem was resolved. I was told she can not verify this, and I would have to call back in 2-3 business days to confirm. I advised this was unacceptable, as we encountered the same issue last year. When I requested to speak to a supervisor, service rep hung up!
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my follow-up request to tell you that I'm a victim of identity theft. Again, I was going through my records & noticed many information or items which do not belong to me. Please block or remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Summary of my case : I. I refinanced my mortgage loan on XX/XX/XXXX. The mortgage monthly payment was 74 % of my monthly net pay. 

II. The closing took place on XX/XX/XXXX, but the alleged lenders attorney, XXXX XXXX, backdated the closing documents to XX/XX/XXXX, a week earlier, which completely eliminated my 3 days Right to Cancel. It was not until a year later that I discovered that TILA allows for a 3 year extension of the Right to Cancel and that the backdating, eliminating my 3 days to cancel, was a TILA violation. 

III. After 1 year and 3 months I could not keep up with the monthly payments. 

IV. The alleged lender filed foreclosure complaint. 

V. In Verified Answer on XX/XX/XXXX, I rescinded the refinanced mortgage loan. 

VI. The alleged lender ignored my rescission and continued foreclosure. 

VII. If they had followed the steps in TILA 1635 after my timely and valid notice of rescission, reversal to the status quo would have been easier. 

VIII. On XX/XX/XXXX, Judge denies their motion for Summary Judgement. 

IX. On XX/XX/XXXX, Judge denies their motion for Summary Judgement. 

X. On XX/XX/XXXX, a new Judge grants them Summary Judgement. 

XI. On XX/XX/XXXX, the new Judge granted them Foreclosure and Sale.

XII. What I have that proves that we didnt close on XX/XX/XXXX is a HUD Settlement Statement that was signed by me and dated XX/XX/XXXX. Note that this was 4 days after the alleged closing date. 

Please see my attached formal written complaint to the CFPB and attachments A through J for the details of my case.
Product: Debt collection

I submitted a debt validation letter XX/XX/year> stating I never had a contract with this debt collector and requesting proof of debt owed to the original creditor and have not received anything back. I have tried numerous times to call and figure it out with a representative but they have been very unprofessional and rude each time.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; 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

I was a victim of identity theft. Someone stolen my identity and use my actual driver license, address, date of birth and social security number it to open a fraudulent accounts without my knowledge. I did not receive no money or no compensation for my identity that was stolen. I respectfully request that THESE ACCOUNTS BE DELETED, Identity theft made pursuant to the above-named Title and Section. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) or accounts that I have made or opened. It is the result of identity theft. XXXX said it was verified but did not provide Information accordance with me according to The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A D, please provide the names and business addresses of each individual or anyone with whom you verified the above, so that I may follow up.
Product: Credit card or prepaid card

On an ongoing basis, when I receive my XXXX 's bill, I pay the balance in full. Each time I pay the balance in full the following month I receive my statement stating that I owe {$2.00}. Each month I call and the automated system then removes the {$2.00}. This month I was frustrated with having to call each time to have this removed. I am sent a bill, I pay the full balance of the bill, in the correct amount of time allotted, yet I am charges and " interest fee '' for the balance. Who is to say if I pay that {$2.00} they will not charge me another " minimum interest fee ''. When I spoke to a representative, they explained this is the interest generated on the account from the time the previous statement closes until the payment is received. Here is my problem which I will attach 4 statements to clarify, in XX/XX/XXXX I paid off {$82.00} and change bill, I received a {$2.00} interest fee for " the accrued interest from the previous statement until I paid it off '', in XX/XX/XXXX I paid {$49.00} to pay off my bill, a lower amount that XX/XX/XXXX, yet my accrued interest on a lower amount was the same {$2.00}. My feeling is, if I pay a bill off, I pay it off, there is no other interest if paid in that statement. The {$2.00} is way of XXXX 's either making people feel they underpaid their statement and they are collecting it, or people do not notice it and the next month have a {$27.00} and a 30 day late penalty on their credit, because of a late payment and thinking they paid the bill off. 
This is a sneaky business practice needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my Transunion report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

There was a fraudulent charge on my Citibank credit card for {$2600.00} on XX/XX/2019 and I called the company to dispute it. I finally received a letter in the mail saying my dispute has been closed and they are not going to reimburse me. Supposedly the card that was used at the store had a EMV chip and since I told them that I was in possession of my card that entire day, they are not considering it fraud. But they are wrong and they did an inadequate investigation. When I called yesterday to complain and ask what the next step is, the customer service lady told me to open up a police report. When I went to the police station they told me this is incorrect. I can not file a police report unless my card was physically stolen from me. So I am at a loss and not sure the next steps. I can not afford to pay for a {$2600.00} charge that I did not make. Thank you
Product: Payday loan

I have filed multiple grievances with this organization, attempting to have this loan removed as I did not apply for it. 

At some point during XX/XX/XXXX my computer was compromised and accounts were opened in my name, linked to my checking account and emails compromised. An individual was acting on my behalf to obtain these loans. 

I tried to explain this to someone at Mobiloans, without any assistance. I was told that this was my debt, and that I was responsible for it. Furthermore, I would not have taken out a loan with such a high interest rate that is illegal in the state of California. 

As of XXXX/XXXX/XXXX, this is being reported unfairly and illegally on my credit report as a charged off account.
Product: Debt collection

I was a customer of XXXX also known as XXXX  in 2016, I paid my bill and kept the bill current. There was a dramatic switch in the cost of their services so I decided to leave the company, close my account and no longer receive their services. The process was I should disconnect the equipment, go to the local office and drop equipment off. I did exactly that, went to the XXXX XXXX  office, dropped off the equipment and the account was closed. During that time, I was part of one of the biggest lawsuits with XXXX. It was a class action lawsuit concerning previous employment there. Brand v XXXX where we sued for discrimination, labor law infractions and unsafe work practices. We won the law suit, collected our checks and the case was closed. Soon thereafter there's information being reported that I did not return equipment. I've called let them know the receipt numbers and they said ok its taken care of. Soon thereafter this is being reported to the credit bureau that I owe {$610.00}. Every time I report it, they reply that this is the amount owed. There are no receipts on their side, no history of anything accept a bill for {$610.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain Technology has hundreds of their clients locked out of their accounts. We are unable to process our account information, pay down our debt, or withdraw funds from our accounts going on 5 months. Ive reached out numerous times, but they do not have any sort of customer service set up. They ignore complaints, and now they are stating they will report late payments on my account even though i had no access to my account.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of a mortgage application with XXXX XXXX, I consented to XXXX pulling a credit inquiry for the application. Afterward Ive received several robo-dialed calls and text messages from a company called XXXXXXXX XXXX, indicating they received information from TransUnion indicating a I might be looking for a new mortgage. 

I did not consent to XXXX or TransUnion to have my data shared with or used by 3rd party affiliated to market products and services to me, and the text messages do no offer opt-out instructions.
Product: Checking or savings account

I've invested significant time attempting to close a fraudulent business account at Bank of America. Despite the bank acknowledging the fraud and promising closure, they've clung to the account for months. Shockingly, Bank of America appears to be pressuring additional information from us and other victims, a demand not mirrored by other banks in similar circumstances. This insistence raises concerns about whether BOA collaborates with hired fraudsters or exploits fraudulent accounts to potentially inflate legitimate BOA account numbers, thereby defrauding BOA investors. It's a deeply troubling business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXXXXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNABLE TO DISPUTE AND HAVE NOT BEEN NOTIFIED OF THE RESULT OF TWO DISPUTES NO VERIFICATION AND NO EXPLANATION OF HOW THE DISPUTE WAS CONDUCTED THERE IS NOT PROOF NO VERIFICATION THAT ACCOUNTS ON THE DISPUTE ARE MINE UNABLE TO REACH ANYONE ON THE TELEPHONE
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting

Transunion removed negative reporting items from the account with XXXX from XXXX 2010 to XXXX 2010, however when I reviewed my credit report recently the negative information was placed back onto my credit report.
Product: Student loan

I defaulted on two student loans. I made a payment agreement with one creditor for voluntary payments. Another creditor, Action Financial Services, was threatening to garnish my wages if I did not make an agreement with them. I tried several times to contact Action Financial Services, but the department I needed was never available. I tried to contact them on XX/XX/2018- Phone system was down. Tried to contact them on XX/XX/2018, XX/XX/2018, and XXXX department was not available. I did manage to talk to someone on XX/XX/2018 who stated that they needed proof of my husband 's income. At the advice of a lawyer, he advised not to give my husband 's income because it was not his debt and it was a debt before marriage. On XX/XX/2018, I fax them my financial documents and on XX/XX/2018 my wages were garnished. On XX/XX/2018, I received a phone call from the collector asking about my husband 's financial statements and wanted to come up with a payment agreement. I advised the caller that they were not going to get my husband 's financial information and they are already garnishing my wages, so I was not sure why they were still calling me for payment. I mentioned to the caller that wage garnishment has put my in a hardship and I was looking for a second job. The caller stated that it is federal loans and if I quit my job then they would track me down at my next employer. I was willing to work with them to get a payment plan, but they are difficult to get a hold of and even after garnishment they will still harass you for payment.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, I was born on XX/XX/year>, my social is XXXX, my phone is XXXX, my email is XXXX. Please fix my information, so it displays correct information. Thank you
Product: Payday loan, title loan, or personal loan

XXXX, XXXX, XXXX, and XXXX payments were late due to XXXX pandemic and job loss. After asking what could be done to adjust payment, make exceptions, or offer assistance, the company offered deferment however, late payments would still be reflected.
Product: Money transfer, virtual currency, or money service

happy day Could you please assist me with my PayPal account? 

I frequently provide hosting services and digital goods through my PayPal account. 
Using the PayPal checkout button on my website, which is linked to my PayPal, I collect payments from customers. 
I also make a daily withdrawal from my account after the transaction. 
I recently received a message from PayPal saying, " You can no longer do business with PayPal ( Ref ID - XXXX ). '' I initially thought this was a system issue. 

I've completed every selling deal I've started, so I have a good track record and no problems. 
In relation to my verified PayPal account, there are no open cases. 
I utilize it professionally so that customers can pay me through the PayPal checkout on my website. 

Please help us to solve this problem. 
Please examine and restore my account as well so that I can continue to use it for business. 
I am prepared to present any relevant proof, including copies of the websites where the money came from and images of my financial activities. 
Help would be appreciated as My Paypal account was essential. 

Hopefully, I can rely on you for this. 

I'm incredibly grateful for it.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting and Request for Documentation To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report under 15 USC 1681s-2, which mandates the reporting of accurate and verifiable information.

The account in question is as follows : Account Name : [ XXXX XXXX XXXXXXXX XXXX, CALIFORNIA XXXX ] Account Number : [ XXXX ] Date Listed : [ XXXX. XXXX, XXXX  ] This account is inaccurately reporting a balance despite being charged off. Per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, Event Code 7 defines a discharge of indebtedness as occurring due to a decision by the creditor to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, it indicates the debt has been canceled, making the continued reporting of a balance both inaccurate and misleading.

I formally request : 1. Provision of the 1099-C Form : If issued, provide a copy to verify the debt cancellation and identifiable event.

2. Verification of the Balance : Provide documentation showing the accuracy and collectibility of the reported balance.

3. Deletion of the Account : If the debt has been discharged or can not be verified, this negative information must be removed from my credit report immediately. 

XXXX. Issuance of the Vehicles Title ( XXXX XXXX ) : Since the account has been charged off, I request that the vehicles title ( XXXX XXXX  ) be released to me, as the debt has been effectively discharged under the law.

I expect your response within 30 days of receipt of this letter, as required under the Fair Credit Reporting Act. Failure to address these issues adequately will necessitate further action to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

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

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX  were reflected as late payments 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 100 % true, accurate & correct.
Product: Mortgage

I would like to register a complaint against PNC Mortgage and Insurance. I settled on a new property on XXXX XXXX, 2016. The loan was held with Fairway mortgage and later bought by PNC Mortgage on XXXX XXXX, 2016. On XXXX XXXX, 2016, I was notified that my home was now located in a flood plain and required flood insurance which they were going to purchase for me if I did not show proof of coverage in 45 days. I reached out to multiple insurance companies and was told that I could purchase the flood insurance because I was no in a flood zone as PNC mentioned. PNC stated I was in flood zone A and the FEMA database had me listed in flood zone X. 

I am disputing PNC 's records and having them update my mortgage with the information listed with FEMA. PNC stated that they are researching my case and hope to have resolution in 10 days. This will put me over the 45 day period and they will purchase insurance for me at an annual premium of {$2200.00}. The standard insurance policy would normally cost {$500.00} for coverage for my home. My complaints are XXXX fold. First, that they are forcing coverage when FEMA is stating the home is not in a flood zone. Secondly, that the forced coverage is extremely overpriced and they are using this forced coverage not to insure me as the homeowner and them as the lender, but for financial gain. 

I would like to bring this to your attention and request that you review and investigate PNC 's practices in this area.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card ( through XXXX  XXXX   ) had a payment that was late in XX/XX/XXXX and I was called about it in XX/XX/XXXX after it was too late to fix. My address on record was originally incorrect, so I did not recieve mail regarding my credit card or payments.I have since changed my record of address. I was also not sent an email about the payment or the fact that it was late, this was verified for me over the phone. I thought I had paid the complete amount and was unaware of any balance on the card. As soon as I was notified of the problem I paid the card off in full, including the late fees. I spoke with someone on the phone and was told that I was not at fault and to please file a dispute with the company. I am an XXXX XXXX XXXX in XXXX, Alaska. I always make sure that my payments are prompt ; this was an honest mistake that I would not have made had I been notified.