23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or around XX/XX/2019 my husband and I initiated the process of refinancing our family home. We began the process with PRMG. All documents were immediately provided and follow up questions as to loan type were discussed. I requested written information from XXXX XXXX who, thereafter, refused to provide written information even going so far as to suggest coming to our home at XXXX XXXX to have a verbal conversation on very important financial information which I insisted upon having in writing. All documents requested were provided within 48 hours of the request. We were asked for normative documents such as our most recent 60-day pay stubs and tax returns, w-2s and our bank records. We were similarly asked for unusual documents such as a letter of intent to occupy the residence. More than once Mr. XXXX failed to do his due diligence in reviewing the status of our home and this cause unnecessary and costly delays. Our home was submitted for appraisal and an appraiser demanded our attendance less than 24 hours in advance. When told we could not accommodate this he indicated that he had not received our timely message and had gone to our residence anyways and demanded a {$70.00} trip fee which we refused to pay indicating that we had given timely notice of our inability to call off our work lives less than 24 hours in advance. We were noticed on XX/XX/XXXX that the appraisal had returned with a conditional quote and that Mr. XXXX wanted " a few days '' to determine what this meant. The appraisal had been returned to him the day prior. When asked for a copy, Mr. XXXX indicated one had been sent to us the day before, which we were neither noticed of nor did we receive any indication of how the appraisal would be received. It sat in my husband 's " junk '' email for 24 hours burning time for our rate lock. Mr. XXXX never indicated that our rate lock was expiring when we indicated to him that we would be out of town from the XX/XX/XXXX and would have the work done the following week. An email was sent to Mr. XXXX on Monday, XX/XX/XXXX indicating that we were to have the work finished on Friday XX/XX/XXXX. At no time did Mr. XXXX indicate that our rate lock was expiring, that there would be a fee for the appraiser to return or that there would be a minimum fee of {$520.00} to extend the rate lock. By the time that the photographs of our repairs were submitted to PRMG, our rate was very near to the expiration date. I indicated to PRMG that I intended to file a complaint with this agency and immediately the manager offered to extend our rate at no cost due to the failure for proper notice. Our loan has now come out of underwriting and PRMG is now requesting a second intent letter, Solar lease documents which have already been submitted and delaying the process further for what I can only assume is their ability to attempt to force us to pay their offices further superfluous fees out of sheer exasperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

XXXX : XXXX XXXX. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Mortgage

This is my XXXX complaint regarding my mortgage status. As of this date, the current mortgage servicer ( Seterus XXXX has told me they can not provide mortgage statements to me due to my bankruptcy status. My Chapter XXXX bankruptcy case was completed in XX/XX/XXXX. Despite using this invalid excuse, Seterus sent a delinquency notice claiming my mortgage payment was not received for XXXX, XXXX, XXXX and XX/XX/XXXX. I received this notice on Saturday, XX/XX/XXXX. I have not received any other notice indicating delinquency, which I would expect should have been sent in XX/XX/XXXX, if my payment was not received. The servicing of my mortgage was transferred from XXXX to Seterus on XX/XX/XXXX. They sent the delinquency notice to my address, using the wrong name on their documents. I am not behind in payments, I have canceled checks for all the months indicated. I am in the process of getting the payee endorsement information for these checks from my bank. Seterus is refusing to service my mortgage. Seterus is the servicing company selected by XXXX to service my mortgage. Seterus is unable and/or unwilling to service my mortgage. They also seem to have tacked on miscellaneous fees to my mortgage and have included {$1100.00} in " legal fees '' to the balance on my mortgage.
Product: Consumer Loan

At the end of my lease in 2014, I turned in my car to the dealership when I picked up my new car. After Ally Financial picked up the car from the dealership, they assessed lease-end fees of $ XXXX. I was able to settle with them for a lesser amount, which I paid in the time requested to settle the account. Due to a system error on Ally 's part, they reported that negotiated difference as outstanding and it was sent to collections. I was able to get this corrected with Ally, but my credit report still shows that as a serious delinquency, even after it was corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent debt validation letters to the following companies : Amsher Compassionate Collections ( XX/XX/2021 ), XXXX XXXX XXXX, LLC ( XX/XX/2021 ), XXXX XXXX XXXX XXXX XX/XX/2021 ), and XXXX XXXX XXXX ( XX/XX/2021 ). 

AmSher : Has not provided proper validation of the debt owing to me XXXX : has not responded XXXX : has not responded Merchants : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.
Product: Credit reporting or other personal consumer reports

Bank of America Credit Card refuses to update my balance on my credit report. 
We are applying for a Refinance and can not get the correct information processed./ Please have them to update this now. 
They are showing a balance of {$8700.00}. With refinance every thoussand dollar less provides a better score. 


BankAmericard Platinum Plus Mastercard - XXXX Account Summary Current balance : {$7900.00} Total credit available : {$2000.00} Cash credit line available : {$1000.00} Card Details Total credit line : {$10000.00} Cash credit line : {$1000.00} Amount over total credit line : {$0.00} Request a credit line increase Next closing XXXX Last payment XXXX Last payment : {$100.00}
Product: Credit reporting or other personal consumer reports

My Account been closed and or paid off and its still on my report
Product: Debt collection

Last year I filed several complaints, case # XXXX and case # XXXX against both XXXX and XXXX, stating they violated the FCRA and FDCPA thru their deceptive use of my credit report. 
They attempted to collect a debt that was not owed, nor could they substantiate, nor provide me with proof of the debt. 
XXXX removed the debt from my credit report in XXXX, 2014, as a result of this complaint. 
XXXX has now hired another company Enhanced Recovery Corp to collect on the same debt they claim I do not owe them. 
This is malicious action has damaged my credit and character. 
They are engaged in the same violations as XXXX was. 
This is a patterned action by XXXX and I ask your agency to investigate the matter.
Product: Credit card or prepaid card

I had {$59000.00} of fraudulent charges charged to my Wells Fargo Visa debit card and I disputed the transactions. Wells Fargo just let me know they denied the dispute. I will not let this go because I did not make these transactions and its my life savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry stated below is unknown to me. The furnisher was unauthorized to pull my credit report. Thus, there must be an error with TransUnion 's investigation. I have already addressed this issue to TransUnion but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see the inquiry that should be removed : XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information regarding an open complaint CFPB COMPLAINT # XXXX and XXXX. 
I received a letter today from XXXX XXXX that is reporting negatively on my consumer report. According to this letter the company sent Experian a letter on XXXX letting them know that I have handled this account and asked them to remove it. Experian still have this company reporting negatively on my consumer report willingly and knowingly. Experian is in violation of 15 usc 1681.
Product: Credit reporting

Hello, Almost a year ago I submitted information to remove a fraud alert on my account. I have submitted this information to the XXXX address of Experian 4 times now and the fraud alert is still on my account. the information that was the " results '' on my last complaint ( XXXX ) was what I had ALREADY sent them, but I, as requested, sent again. Please help me. 
Thank you!
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Debt collection

ne would get back with me from prestige financial as soon as the car has been sold and they would tell me what I owe and how to go about setting payments up with the balance left remaining XXXX/2021- I filed a dispute with the credit bureau in regards to how they put the incorrect information on my credit and I sent in the copies of the emails back and forth with prestige XXXX/2021- prestige updated my account online stating that the charged off XXXX and past due XXXX and I tried to get an updated from prestige on the phone and no one ever called me back or sent anything in the mail. 
XXXX/2021- I spoke to XXXX XXXX and she said she no longer could speak to me and that I would receive something in the mail in regards to the selling of the vehicle and what amount I would owe. 
XXXX I receive a summons from XXXX XXXX XXXX in regards to XXXX XXXX stating that I would have to appear in court in regards to the vehicle. I never received anything from XXXX or XXXX XXXX XXXXXXXX in regards to owing a debt no one ever reached out to me in regards to the debt. 
XXXX/2021- I tried to make it to the court house which was an 1.5 away from me and I got there at XXXX and court was over for a XXXX court call. A default judgement was paced on me and I tried to call XXXX XXXX XXXX and no one ever returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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: Debt collection

Portfolio Recovery Associates, amount of {$920.00}. I have disputed this item several times and Portfolio Recovery Associates has not responded. Portfolio Recovery Associates has reported this information to my credit reports as this information does not belong to me.
Product: Checking or savings account

Sunday XXXX XXXX XXXX we noticed that {$5000.00} had been charged to our checking account at, BBVA Compass Bank, 2 days earlier. The Bank has no fraud department to report to weekends. Monday XXXX XXXX we went to the banks branch office and reported the fraud. They told us they did not handle such things! Instead they contacted the head office fraud department and we had to wait for 1 hour before anyone answered. Finally the fraudulent activity on our checking account was reported, the account itself closed and we opened a new account. At that time we asked when the we would have our money back in order to pay our upcoming bills. We were told when the investigation was done and that could take up to 10 business days. After 10 business days we contacted the fraud department again and we were told it can take up to 90 days or more. We know under Regulation E, the bank has to reimburse us in ten days but obviously they refuse with no further explanation. We have been clients with the bank for 12 years.
Product: Mortgage

The payment amount for my mortgage with Citizens home mortgage changed and I did not receive the initial notification letter due to assumed issues with the mail system. Then over the course of XXXX  months or so I was paying a couple hundred dollars a month less than the required amount. The mortgage company was accepting these partial payments during this time and not notifying me that there was an issue until in XXXX of XX/XX/2023when they rejected my mortgage payment and then reported that I was past due by more than XXXX  days. Once notified about this issue at that time, I immediately remedied the issue and increased the automatic payment amount to be in excess of needed. My complaint is due to the lack of actual and effective communication during this process that could have resolved the issue before reporting anything on my credit report. I am asking that this derogatory comment be removed from my credit due to this oversite.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account that is over ( 7 ) years old on my credit report. XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This incorrect reporting is harming my credit score and is a violation of the Fair Credit Reporting Act ( F.C.R.A. ).
Product: Debt collection

amount owed isnt amount told to over phone more money was added to original balance incorrect amount stated
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Under CFRA, CARES Act, and TILA Dear CFPB Members, I am writing regarding my account with XXXX XXXX account number : XXXX ) to request the removal of two late payments reported on my credit history, specifically in XX/XX/XXXX and XX/XX/XXXX. 

During the COVID-19 pandemic, I faced exceptional circumstances that impacted my ability to meet my payment obligations. Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, protections were established for consumers who experienced financial hardships due to the pandemic. This legislation acknowledges the importance of providing assistance to those who suffered setbacks during this difficult time. 

Additionally, under the Truth in Lending Act ( TILA ), I have the right to receive clear and accurate information about my accounts and the impact of delinquency on my credit history. I request that my circumstances be reviewed and that consideration be given to the removal of the aforementioned late payments, as they have significantly negatively impacted my credit score and, consequently, my ability to access credit in the future.

I appreciate your attention to this matter and look forward to your prompt response. I am willing to provide any additional documentation you may require to process this request. 

Sincerely, XXXX XXXX
Product: Debt collection

I sent in multiple reports still no cooperation. They refuse to remove this from my report have filed police report and ftc report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX have been dealing with issues with equifax having a debt collection that was not opened under my name and I have no business with this lender stuck on my equifax credit report. I have reached out to equifax and the XXXXXXXXXXXX XXXX  on multiple occasions where equifax doesn't send any investigation results or updates pertaining to this account even after as long as 30 days. I have a FTC complaint # for this case XXXX and I am reaching out to the CFPB as Equifax and XXXXXXXX XXXX  are in violation of 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impressions as to its source, authorization, or approval as you XXXX XXXX is stating that someone other than me a consumer in fact, is the creditor when I am the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has accessed and misused personal information and attempted to collect a debt. In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 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: Mortgage

I have been in my home since XX/XX/XXXX and I purchased it for {$72000.00} and here it is XXXX and I still own about {$63000.00}. My mortgage has been sold many during time, I fell behind in XXXX and had to file bankruptcy and during my bankruptcy I was informed that my late payments would be placed at the end of my mortgage. Here it is about XXXX  years later and I still have XXXX  years on my mortgage. Right now Im paying my Mortgage to XXXX XXXX. I just informed by XXXX that XXXX mortgage owns my loan XXXX mortgage loan trust XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Regards, XXXX XXXX XXXX
Product: Credit card

I purchased a washer and dryer from XXXX using my apple credit card through Goldman Sachs on XX/XX/year>. The dryer did not work, is defective. I contacted XXXX for a refund and was told I had to contact the manufacturer due to their return policy of 48 hours. which is XXXX. XXXX did not honor warranty.. Both washer and dryer was delivered on the first available date which was XX/XX/year>, which was after the return policy window. I contacted Goldman Sachs to dispute credit card transaction on the dryer due to if not working. I tried resolving the issue and have filed 3 disputes with Goldman Sachs and have made several calls to XXXX,, still not resolved. I paid XXXX for the dryer which is defective and I am asking for the money to be credited back to card. Goldman Sachs denied all 3 disputes which I submitted proof of purchase, the receipt which has the date of purchase.
Product: Credit card or prepaid card

I was issued a credit card from this company with a {$12000.00} limit. I transitioned to using this card for everything, from daily purchases to paying my bills as a way to increase credit usage to no more than 30 % to help build my credit. And for a while it was working. Less than a year later, my credit limit was lowered from XXXX to just over {$4000.00}. At the time i had used somewhere int he neighborhood of over {$3000.00} on the card. This change brought my credit usage from less than 33 % to over 90 %. 

I immediately called the company to see what was going on and was told that the bank reviewed my credit and felt that my limit should be lowered based on my current credit file. This made 0 sense to me for 2 main reasons ... 1. I have never been late with a payment to them even to this day. 2. Every other CC i have was being increased at the time. I was informed that i could look at my credit report and see what might be wrong on there and dispute it, then send them a request to have my limit restored after i receive a result of the " wrong '' being corrected. 

6 months later, they did it again and lowered my limit from just over $ XXXX to {$3700.00} where it has been for over a year. My credit usage remained at a high percentage, as i transitioned from using the card to using cash and struggled to pay the balance as i had been before the limit was initially dropped. As i write this complaint today, i discovered that after working hard to make a sizable payment ( $ XXXX ) towards my balance, my credit limit has been reduced yet again from the {$3700.00} that i have been used to, to {$1700.00}. A week after the payment no less and during a global pandemic. 

I called again .... and was given the same information i was told more than a year ago when this first happened.
Product: Vehicle loan or lease

This car company I never got a loan from, I never signed anything with this company and never even spoke to them. This company refuses to provide the original documents. I have no idea who they are and how they claim I have a car from them. I asked for the original paperwork and they refused to give me the original contract. I reported it to XXXX and we got nowhere.This is not fair and this is hurting my score.
Product: Credit reporting or other personal consumer reports

The following phone call has been recorded as evidence against experian. I called experian on XX/XX/year>. I spoke to a XXXX around XXXXXXXX XXXX California time. He was in the XXXX membership department. As I am talking to him, all of a sudden the call dropped and hung up on me. I recall this happening to me several times in the past from the XXXX membership department. I also filed a XXXX complaint about this.