23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I made a settlement with lvnv funding llc and the issue was resolve, I was told that they would remove it off my credit file but not only am I still receiving calls stating I owe but it has not been removed of any of my files
Product: Mortgage

Timeline : XX/XX/XXXX - XX/XX/XXXX I : Actions taken by Borrower ( Me ) : I fully disclosed to this mortgage loan originator that I wanted to purchase a second primary residence in XXXX Texas through FHA. I provided the MLO all of my information in a timely fashion and communicated, early and often to notify the MLO that I was flying from CA to TX in order to seek this housing. I asked the MLO to pre-submit my files to underwriting on multiple occasions in order to ensure I qualified for the loan. 
XXXX : Actions taken by Mortgage Loan Originator ( XXXX XXXX / NMLS XXXX through " LOAN DEPOT '' ) Committed constructive fraud, demonstrating negligence in advising and overseeing the loan qualification process. The MLO pulled my credit multiple times, injuring my credit standing and failed notify me of these soft and hard hits in advance. The MLO provided bogus loan approval documents on multiple occasions implying I was eligible for a loan type which I actually NEVER qualified for in the first place. 
III : Committed actual fraud, intentionally misrepresenting the status of my underwriting file indicating it have been pre-screened and pre-approved for the desired loan time. The MLO assured me that due to their oversight they would refund my appraisal fee and they failed to do so after multiple outreach and attempts made to them for recourse. 
IV : The Mortgage Loan Originator ( XXXX Border NMLS # XXXX via " LOAN DEPOT ) violated my rights to privacy, disclosing non public personal information in unsecured emails with outside parties cc 'd on the emails who were not authorized to have access to my information. Further, the information they disclosed was false, inaccurate and presented me in a negative light.
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 XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion 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 XXXX 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 my file at XXXX and TransUnion are 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( XXXX ). 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. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I originally opened an XXXX XXXX ending XXXX in 2022 which had a {$1000.00} initial credit line. In 2023 I learned XXXX bought XXXX and to prepare for the acquisition, they began updating the card numbers, which caused the original account to change to XXXX XXXX. My card stayed under XXXX XXXX until XX/XX/XXXX at which time XXXX replaced the card with their own, however the account number ending XXXX remained and has remained the same. XXXX stopped being reflected on my statements in XXXX  2023, in XXXX  2023 XXXX  branding took over. However, in XXXX  2023, I decided to open A NEW CARD directly with XXXX  to help build the relationship. I was approved and issued XXXX XXXX ending XXXX which started and has remained with {$800.00} limit. That card is reporting and has reported since its opening. My issue is that my credit report HAS NO RECORD of the XXXX XXXX account XXXX you start from 2022 OR after the merger in XXXX. Thats XXXX whole years of credit activity that is missing COMPLETELY. I just pulled my CR on XXXX and there isnt even a closed account under these details from XXXX or XXXX. I am trying to repair my credit and this has actually lowered it significantly. I demand that XXXX immediately update their records with ALL XXXX Bureaus with the correct and accurate info for XXXX XXXX XXXX starting from 2022 and going thru current date and onward. I have tried getting them to do this directly but they made me send a request and my CR but can not tell me when or how they are going to fix it. I called them on XXXX and XXXX and XXXX but they are unable to provide any information other than and I quote - WE REPORT TO ALL BUREAUS AND YOUR INFORMATION IS REPORTED AFTER EACH STATEMENT IS RELEASED, WITH THE NEXT ONE DUE XXXX. That can not be correct because I have XXXX years of statements online I can pull and NOT one has shown up on my CR at any time. I have also hired a credit repair company that has sent validation to the bureaus and XXXX  has failed to update ANY information as legally required under FCRA.
Product: Credit reporting or other personal consumer reports

I have XXXX inquires done I on XX/XX/XXXX the other XXXX on XX/XX/XXXX and XXXX I ended up getting a car on the XXXX. Its always bothered me that I had so many inquiries. I didnt do that many applications. Going through this journey of repairing problems caused by others or their lack of willing to do the right thing. I was under the impression that the main job of the credit reporting agencies are to report accurately and fair. I have found that far from the truth at leather when it comes to me. Everywhere I have searched suggest that these inquiries shouldnt be XXXX individual hard inquiries the way its reporting from XXXX Experian report. Its caused me problems again. Please advise Experian of the laws. XXXX sure why they refuse to fix anything. But this getting to be a problem.
Product: Mortgage

I purchased my new home on XX/XX/XXXX for {$350000.00} with a 5 % down payment and loan of $ XXXX loan includes Mortgage Insurance. The property appraised for {$360000.00} on XX/XX/XXXX. 

I was told that Mortgage Insurance would be removed when I have 20 % equity in the property. 
In XX/XX/XXXX, I made additional payments to meet the 20 % equity, and then the CMG Financial website changed and required 25 % equity to remove Mortgage Insurance. I made additional payments and am currently at 26.7 % equity according to CGM Financial website. 

I called CMG Financial a few times and the latest call informed me that I have to get another appraisal ( which is estimated to cost at least {$450.00} ) in order to be considered for Mortgage Insurance to be removed. Apparently the appraisal ( Which cost me {$600.00} ) can not be considered. 

I am paying {$78.00} each month for mortgage insurance ( Which should have been cancelled in XX/XX/XXXX after I met the equity requirement ) and no certain way of getting the Mortage Insurance removed. 

Given the track record of moving the goal posts, I am concerned that CMG Financial will find another hurdle for me to jump over, if I risk another {$600.00} for another appraisal. 

I am hoping CFPB is able to assist. 
Many thanks
Product: Credit reporting or other personal consumer reports

I have submitted disputes to have my addresses updated and my information has not been corrected
Product: Checking or savings account

On XX/XX/XXXX, I made a payment for {$4500.00} via personal check to the State of NY for estimated tax payment. I did not transfer sufficient funds from my savings to my checking account and check # XXXX was returned and the money was credited to my account in the amount of {$4500.00}. I called TD Bank on friday XX/XX/XXXX, to resolve the issue, and the representative waived my returned check fee of {$35.00}, and also informed me that the check is void at this time, and I would need to write another check to the state of NY. I immediately made an online payment to the State of NY, and it posted on Monday XX/XX/XXXX. In addition to posting the payment, TD Bank processed the supposed returned check # XXXX payment and {$4500.00} was withdrawn from my account. I was under the impression, based on TD Bank 's representative that check # XXXX was null and void. I called TD Bank, and they placed a stop payment on the {$4500.00} to State of NY on XX/XX/XXXX, and I was told on a recorded line that the {$4500.00} would be processed and returned in 24 hours. Today I called, and they are saying 3 business days to process a stop payment and obtain my funds back to the account. {$4500.00} was withdrawn two times and they are now pulling up recorded conversations I had with TD Bank to verify that their representative in fact instructed me to write another check to the state of NY since the returned check was voided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # s XXXX & XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX , EXPERIAN , AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) 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. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX # XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, 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. # XXXX Account name : XXXX Bank # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX 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

I have sent two letter challenging the accuracy of this account one on XX/XX/2020 and the other on XX/XX/2020, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. You have violated my rights under FCRA with a failure to place this items in dispute under section 623 and I demand it be deleted immediately. THIS ACCOUNT IS STILL NOT METRO 2 Compliant Delete Now Creditor : XXXX XXXX XXXX Account Number XXXX  *I HAVE ATTACHED BOTH OF MY PREVIOUSLY SENT LETTERS WITH THEIR CERTIFIED MAIL TRACKING NUMBERS AND A SCREENSHOT OF HOW THIS ACCOUNT IS REPORTING AS OF XX/XX/2020 WITH NO " dispute '' acknowledgment in the comments section.
Product: Debt collection

XX/XX/year> at XXXX EST I received a phone call and subsequent voicemail from an automated message telling me to call XXXX. My account was late by a couple weeks, which I hadnt realized until this voicemail. I was surprised that I had received no email communication regarding my due payment for last month or a missed payment. 
As soon as I got that call, I logged onto my account and paid the balance of {$93.00}. XX/XX/year> I received another call at XXXX EST that went to voicemail with another automated message left. Upon waking up, I did a quick XXXX search of the number thinking that it was a scam call. I called back the actual company number listed on my card, and I was informed by the agent XXXX that he could see the payment reflect on my account, but he could not give answers as to why I had received the initial call at an inappropriate time or why I was receiving the second call at all if my account showed my payment that I had made. Not only did they violate my rights under the TCPA, it appears they violate many peoples right under a daily basis from the number I was called from that I XXXX searched.
Product: Debt collection

A business called CBSC keeps calling leaving a very vague recorded message that they are calling about a debt collection and that is it. It is the exact same message every time. This has been going on for two months. The call is coming from XXXX. 
They will not say who they are calling for and on who they are calling on behalf of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech Financial LLC is showing a closed account ( charged off in XX/XX/XXXX XXXX on my credit report. I have contact the company on XX/XX/XXXX and they confirmed to me they do not have record of my SSN or name. They told me I do not have an account with them but they could not assist me. I would have to contact the credit bureaus. I have since contacted the Credit Bureaus and it has been taken off my report from all but XXXX This is not my credit information. I was told by a rep at Ditech that they are a sister company of Shellpoint mortgage.
Product: Debt collection

TeK Collect are a 3rd party collection company ( purchased debt from doctor ) for A duplicate service. I had a series of tests conducted by the subject doctor over a period of time including a DUPLICATE TEST that was charged to my Insurance company that REJECTED the billing as being a DUPLICATE TEST! The doctor waited 6+ months before sending me a bill for the DUPLICATE TEST rejected by the insurance. I contacted the Doctor 's office explaining the XXXX [ XXXX XXXX, in error ... during the beginning of the 2nd test I pointed out to the technician that I felt this was a DUPLICATE TEST FOR WHICH SHE RESEARCHED THE RECORDS AND CONFIRMED THE DUPLICATION... but stated since she had already started the test she would procede to complete the test... not to worry! 
The 3rd party COLLECTION AGENCY = TEK COLLECT INC ignored my DISPUTE and reported the so-called DEBT to the CREDIT BUREAUS which have posted a NEGATIVE 'DEBT COLLECTION '' on my file ... resulting in negatively impacting my application for a MORTGAGE to purchase a home. In addition I sent a CEASE & DESIST letter to TEK COLLECT with c/c to all THREE CRDIT BUREAUS. 
In addition I filed a DISPUTE with XXXX which has taken the side of TEK COLLECT ( a PAYING member ) in their attempts to collect the so-called DENT = DUPLICATE TEST BILLING rejected by my insurance company as well as myself!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint and an investigation is taking place has not reflected the updated profile or change to my report. The dated account is under investigation and I need my report to reflect that. Here the original complaint : On XX/XX/XXXX, I discovered a credit card that was not opened by me on my credit reports. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted XXXX and asked for them to remove the account as I could see on my report that it was opened with a Florida address I've never used. At this time I was completing XXXX XXXX XXXX XXXX XXXXXXXX  which is located in Florida. I speculate that this is somehow connected to my information being stolen and used to establish this account. XXXX has since been placed back onto my report, without an complete investigation. I was notified once and then didn't hear further communication since that date.

I can submit any documents or questions that may be asked regarding this account. please help me get understand and verify this account as needed. I'm asking for another investigation as this seems to be a revolving issues regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2018 at approximately XXXX pm, I contacted Transunion regarding information reported on my credit report. I inquired that the score reported ( XXXX ) is XXXX points less than reported by XXXX ( XXXX ) and the other credit agency. I asked why is there such a gap. All three representatives I communicated with stated Transunion uses a different scoring system from the other two credit agencies. The system Transunion uses is XXXX XXXX XXXX that is a computerized calculated system. XXXX XXXX XXXX applies three methods to arrive at a score for each reported creditor ; 1 ) the numeric rate, 2 ) Reported Public Records ; it was informed that scores are dynamic changing daily per reported balances from creditors. However, none of the representatives could inform me of the mathematical formula applied in the XXXX XXXX XXXX system to arrive at the numeric rate that results in your credit scoring ; it seems to be a mystery. Also, when asked of the address to Transunion to write a compliant for the company to address ; no one could provide, another mystery. My personal financial information is being overseen by a credit agency that uses an unknown formula that provides to the world my trustworthiness. I was however, able to have a report mailed for my review. Yet, I am unsure if that task was done. I informed each of the representatives that Transunion practices is unethical ; the customer services is poor ; and the employees are incompetent of assisting individuals. The information reported from Transunion impacts lives ... the least the employees should know the formula applied to arrive at an individual scoring?
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of an account from XXXX XXXX XXXX on my credit report due to inaccuracies, incomplete reporting, and legal violations. Specifically : Inaccurate Reporting Across All Bureaus : XXXX lists the account as " Charge Off. '' XXXX lists the account as " Charged Off as Bad Debt. '' Experian lists the account as " Unpaid Balance Reported as a Loss by Credit Grantor. '' However, XXXX has not issued a Form XXXX for the alleged cancellation of debt, which violates IRS requirements and Metro 2 guidelines. 
Legal Violations Related to the Account : The account is based on an unlawful repossession. XXXX failed to comply with XXXX XXXX law ( XXXX XXXX XXXX. XXXX ), which requires proper notice of default and the right to redeem or reinstate a vehicle loan to be sent by certified mail to the borrowers address. Instead, their notice was improperly sent to their own office in XXXX XXXX  and not to my address in XXXX XXXX 
Deceptive Practices in CFPB Complaints : XXXX has provided inconsistent and misleading responses to prior CFPB complaints, raising concerns about the accuracy of their reporting and handling of this account. 
These inaccuracies and violations have negatively impacted my creditworthiness.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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