23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1 ) I was recommended to PRMG as a preferred lender for XXXX XXXX who did a LOT of loans and understood the new construction loan process. XXXX XXXX XXXX XXXX recommended XXXX XXXX to me. Based off XXXX XXXX recommendation, I chose to work with PRMG. The only written proof I have is the email sent XXXX XXXX from XXXX XXXX thanking XXXX for recommending " we '' work with him. 

2 ) Every loan has issues to overcome and is unique, so we did not have any " major '' issues until we closed on the construction loan and property. PRMG subcontracted a second bank XXXX to provide the construction loan, this is when my 3 problems occurred. 

a ) I learned that there would be a second closing cost on my new build because of the construction loan. I learned this in an email on XXXX XX/XX/XXXX, approximately 3 days before the first attempt at closing. The total amount of the closing cost was {$8300.00}. I understand that a 2nd closing cost is not unusual but would expect two sets of closing cost be something that is reviewed by your banker some time prior to the week of closing. Ultimately not all the paperwork was complete and we closed the following XXXX  XXXX XXXX. 
b ) After the signing on XXXX  XX/XX/XXXX I was called by my XXXX XXXX XXXX and PRMG agent in a combined call. My XXXX XXXX XXXX explained to me that the terms of the construction loan where incompatible with the way he does business ( the phased payouts of the loans paid out at the end of a construction build phase, and not at the beginning of the phase so the builder couldn't buy the material, and he was incapable of acting as a bank ). The Builder also informed me that our home package had increased {$36000.00} due to the price increase of lumber. If I wanted to continue with the build, I would have to get a new construction loan that met his construction build criteria. This was regardless of weather I paid the lumber inflationary cost from my family savings or not ( and I WOULD have paid the price increase from my savings! ). In this conversation, my PRMG agent XXXX offered to help me by giving me my Homes Appraisal and look into recovering my closing costs. 
c ) I received my New Home Construction appraisal on Tuesday XXXX XXXX. I am now working with a new bank who informed me that under law I need to be given my appraisal 3 days prior to title closing to review it and determine if I want to continue through with the loan. So I am disappointed to find this out as well. 

Since this incident I emailed my agent XXXX XXXX asking about the status of recovering my closing cost on the incompatible construction loan that he negotiated, on XXXX XX/XX/XXXX. I have not received a response. 

I do not know who XXXX XXXXXXXX XXXX boss is. Since he is an area manager, so I emailed the PRMG site at XXXX XXXX XXXX 

I have not recieved a response.
Product: Credit reporting or other personal consumer reports

. I am writing to bring to your attention a matter concerning inaccuracies in my credit report, specifically related to outdated personal information, including my name, address, and employment details. Also all three bureaus is reporting different information and accounts with different amounts and collections. I believe that this issue may be in violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance to rectify it. 

Upon reviewing my credit report provided by XXXX, I discovered that the following inaccurate information is listed : XXXX. **Name : ** The report contains an old version of my name, which I legally changed on XX/XX/year>. The report should reflect my current legal name : XXXX. **Address : ** The report lists previous addresses where I have not resided for over 20 years. 

XXXX. **Employment : ** old employers are reporting along with current employer. My employment history is essential for my creditworthiness, and having outdated employment details can significantly impact my credit profile. 

XXXX. **Old accounts that have been disputed and have not been validated These inaccuracies not only misrepresent my personal information but may also lead to potential issues with credit applications, insurance rates, and other financial matters. I have contacted the credit reporting agency to dispute this information, following the procedures outlined in the FCRA ; however, I have not received a satisfactory resolution. 

Given the significance of this matter, I kindly request that the Consumer Financial Protection Bureau investigate the practices of the credit bureau in question regarding the reporting of outdated and inaccurate information. Furthermore, I would appreciate any guidance or support you could provide in resolving this issue and ensuring that my credit report is updated to reflect my accurate information. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these inaccuracies in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Medical XXXX Balance : {$180.00}
Product: Checking or savings account

I was scammed notive the bank on XXXX XXXX on said situation was told i have to file a police report we contacted the bank on XX/XX/XXXX to be told yes we had to file a police report and to come up to the bank close out the account and reopen another account and that the bank would start a investigation, and that I wouldnt be responsible for paying back the dispute because I was scammed. On XX/XX/XXXX I called the bank to find out how the investigation was going to find out nothing had been investigated. So on XX/XX/XXXX we went up to the local bank to have them start a investigation because my whole work check was used to pay back the bank. I have called the fraud department to be told the account has been put on hold nothing can come in and nothing can go out. To find out that another one of my work check was confiscated to pay back the bank. I dont have issues paying the money back and was told I could make payment arrangements but for a month now they have taking my money. I have had no money for a month I have lost my home because I couldnt pay the rent, I am staying with my mom who is on a fixed income. I went to the bank today to find out that they finished the investigation and that the bank was closing my account and mailing a check to me. I did report right away but all they have done is give me the run around and kept my money. All they said is you have a lot of XXXX XXXX  transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting XXXX XXXX XXXX XXXX Collection account has violated my rights.

15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On XX/XX/2020, I was contacted by a Citi Credit Card representative by phone regarding a late payment, however, because I knew my accounts were on automatic payments, I thought this was a scam and did not proceed with making a payment over the phone. Instead I logged onto my account and saw not only that my auto-payment was not made in XXXX and XX/XX/2020, I was charged {$70.00} in late fees. I contacted a Citi representative via the messenger application and was informed that my account was two months delinquent because auto-payments were removed " per my request in XX/XX/2020. I explained I never requested auto-pay to be removed and that a mistake must have been made. The rep told me Citi attempted to contact me via email but they were returned undeliverable. I explained I have had the same email address for the last 12 years and have always kept my contact information with Citi up to date. I also asked why I wasn't called if clearly they had my correct phone number. I have screen shots of my messenger conversation with Citi as evidence of this conversation. 

The Citi rep even refused to forgive the late fees of {$70.00} despite my explanation that some kind of error was made. Despite this, to avoid any negative treatment, I paid my credit card balance including the late fees assessed ( {$680.00} total ). 

I later found out Citi had already submitted a negative mark on my credit report for XX/XX/2020, the same month they started to call me about the matter : Status/ Account Status = Past due 60 days. I have had this Citi credit card for over 10 years and had my account on auto-pay for over a year, suddenly without notice auto-payments were cancelled and I wasn't notified until after late fees were assessed and a negative remark on my credit was made. 

I reached out to Citi Brands Credit Bureau Disputes and sent several letters with detail and evidence attached. On XX/XX/2020, Citi responded with a letter stating they believe the information appearing on my credit report is correct, and refused to remove or amend the negative remark on my report. 

I highly suspect fraud on Citi 's part considering the suspicious manner in which auto-payments were cancelled in my account, lack of proper notice, and refusal to forgive the late fees assessed or at the very least remove the premature negative remark made on my credit report.
Product: Credit card or prepaid card

I received a debit card for my federal unemployment two weeks ago. I have been approved and requested weekly payments in which dates back to XXXX. Although last email stated approved and start requesting on XX/XX/2020, I've had a XXXX  balance the entire time. After being a victim of identity numbers stolen, i.e. S.S. #, D.O.B., etc, I simply would like to know if this was the only card issued. I have not received any call backs from the state or any answers. Please help. Sincerely XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As to date the company has not corrected the insult to my credit report although they wrote and mentioned that would rectify this ASAP. The old complaint number is XXXX Lending Club XX/XX/2018 still reads 30 days delinquent. 
I was just denied a loan based upon this finding. 

The error was on the Lenders part due to false information from customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax showing unknown payment history hurting my score FCRA viiolations
Product: Debt collection

I have reached out to Kansas Counselors, and disputed multiple times to all 3 credit bureaus for verification and information for the proof of this debt. Kansas Counselors will not provide any evidence that this debt exists, invoice statements, a breakdown of charges, or an itemized list of the amount they claim is owed to them. The only information Kansas Counselors says they are able to provide is the amount of money attempting to be obtained. 

Furthermore, I was never sent any paperwork, contacted by phone or e-mail, or mailed any documentation from Kansas Counselors that would have allowed me to formally dispute or verify the debt in question in a legal manner. 

Without any proof of this debt amount being owed, I am unable to verify that I am liable for this collections account. I would like for you to press Kansas Counselors, and the 3 credit bureaus for documentation and further evidence of this amount being owed to Kansas Counselors and request that if it is unable to be provided, that this collections account be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I lost my identity a long time ago and never thought anything of it. When i start learning about credit and pulled my report i found this account that shouldnt be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my Social Security number and opened a XXXX XXXX account -- -- which is now in collections and has appeared on my credit reports with XXXX and XXXX. Berlin Wheeler Inc should be sued for publishing false public information about me. -- - without checking their facts. Below is my notification from XXXX : Alert Date XX/XX/2019 Source XXXX XXXX BERLIN WHEELER INC Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2019 Balance {$660.00}.
Product: Debt collection

I have disputed this debt. Multiple times, with the original credit company. And with this debt collection company Portfolio Recovery. This card was closes by the original creditor when asked for covid pause and exemption. 

Since then I have repeatedly disputed the validity of the additional fees, interest, and tactics used by both the original creditor and Portfolio Recovery. 

Just recently phone calls outside of normal hours include : XX/XX/XXXXXXXX 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  ( at work can not take personal calls during work hours ) XX/XX/XXXX XXXX XXXX  I also have repeated phone calls from unknown numbers that call XXXX times in a row and leave no message. At all hours. 
Most recently : Monday XX/XX/XXXX XXXX XXXX  and XXXX XXXX  Today, I received a message from my soon to be ex-wife. That a certified letter had been sent and accidentally signed for at her parents residence ( my in-laws ). From the court house in XXXX XXXX Ohio. A quick court search showed that Portfolio Recovery has filed a suit against me. But listed an address I haven't lived at in 15 years at least. 

To say this harassment has gone over the top at this point is an understatement. I have answered the calls one time and asked thene to cease and desist because the original creditor needs to fix the issue instead of selling the debt. 

All of this to no avail, to the point that my XXXX XXXX XXXX in-laws are now being drug into this. 

This is blatant harassment.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Collection {$5800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection $ XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!
Product: Student loan

I returned to school for a semester after graduation and first, my in school deferement was not processed until XX/XX/XXXX, despite a XX/XX/XXXX start date. ( This, in and of itself, could be a complaint ) Because I was still receiving bills, I made the payments in order to avoid complications and disputes later down the line, especially after reading about how little help people have gotten even when they did make payments on time. 
Then I received a letter in the mail saying my loans were deferred from XX/XX/XXXX until XX/XX/XXXX. On my account, however, there was interest showing up on the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments, and they ranged from {$9.00} to {$27.00}, depending on the month. Because I have since moved abroad and it 's taken me a while to noticed this discrepancy, I could not call and instead emailed them. I got two seperate emails that were automated and directed me to their FAQs page. I was asking specifically about a specific case that had to do with my account, and was instead given an automated reply, twice. 
Because I finished my courses in XX/XX/XXXX ( it was XXXX, so the seminar went slightly into the second semester of XXXX school year ), I figured I would need to begin repayment on my loans again. Receiving no bills made me nervous, but everything on my account said my loans were deferred until XX/XX/XXXX. Knowing this should n't be the case, I simply paid the exact monthly amount on XX/XX/XXXX. When it processed, it suddenly was showing up as only a portion of my principal paid off, with a huge chunk going towards the interest. When I logged into my account on XX/XX/XXXX, my loans were no longer in deferment, no notice made. There was a complicated calculation on XX/XX/XXXX that I will assume was from the date they decided my loans were n't in deferment anymore. Still no bill for the XX/XX/XXXX payment that I was charged interest for. Because I only have subsidized loans, and they were still in deferment when I made the payment, there should be no interest accrued, and therefore none of the money paid should be going towards interest ( since there was none on that date ). I emailed them again, this time making it explicitly clear that I need a human being to personally respond, even if only to tell me that these things can not be processed over email. This time, I received a " we are processing your email '' automated email, but still no follow up, automated or otherwise. At the moment, I have well over {$100.00} tied up in " paid off interest '' that should be going towards my principal, because there should n't have been any interest accrued during the time I was making those payments while in deferment. Customer service is actively not reachable via any means other than phone, despite there supposedly being email as an option.
Product: Debt collection

On XXXX XX/XX/XXXX AFNI, Inc. reported a new debt in collections under my name to XXXX  Credit Bureau for an amount of {$1000.00}. The original creditor is listed as XXXX XXXX XXXX and the date the account was opened as XX/XX/XXXX. I have not been an XXXX XXXX XXXX customer since XXXX. I have not received any communication of any kind from AFNI , Inc. since this collection has been opened. A debt validation letter was sent to AFNI via certified mail and was confirmed to be received on XX/XX/XXXX. This letter was sent for the purpose of requesting more information regarding this account to confirm whether or not this is a valid debt collection attempt. I have not received any response to the debt validation request from AFNI as of today, XX/XX/XXXX.
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 CORRECTED right away. 

XXXX XXXX XXXX Late Date XX/XX/16
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered unauthorized information in my name being used on my credit report. I have placed multiple disputes and complaints, and police reports with these companies, But these companies continue to show neglect by refusing to remove the account. Attached below is an affidavit that was sent to me from " WESTLAKE PORTFOLIO MANAGEMENT " This attached affidavit was completed and emailed back to " XXXX " on XX/XX/2022, XXXX. 
The affidavit was emailed along with an FTC report, which is also attached below. The affidavit was notarized and signed by law enforcement as instructed by the company to get the account removed. The affidavit was also attached to multiple CFPB complaints which will be listed below as well. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. If the account is not removed a federal charge will be filled against both companies " WESTLAKE PORTFOLIO MANAGEMENT " and " XXXX ". This charge may lead to a lawsuit. 

Citizen Complaint Center Antitrust Division 950 Pennsylvania Ave., NW Room 3322 Washington , DC 20530 https : //www.justice.gov/atr/citizen-complaint-center
Product: Mortgage

I am writing to formally address an urgent issue involving CoreLogic, Mr. Cooper, and the XXXX XXXX XXXX XXXX XXXX. My husband and I are facing a distressing situation concerning a {$660.00} PILOT property tax payment, which has resulted in repeated delinquent notices and, most recently, a tax sale notice scheduled for XX/XX/year>. 

As homeowners with a VA loan, our property taxes are incorporated into our mortgage payments, making Mr. Cooper responsible for ensuring these taxes are paid. However, despite our consistent mortgage payments, we have been receiving delinquent tax notices every quarter, all of which we have documented. This situation escalated on XX/XX/year>, when we received a notice of a pending tax sale. 

I visited the XXXX XXXX XXXX XXXX XXXX to investigate the matter and was informed that CoreLogic, the third-party company used by Mr. Cooper to manage tax payments, has not been sending or paying the required tax bills. Disturbingly, I also learned that approximately 75 % of my neighbors are experiencing the same issue with these companies. 

As a military family, this situation is especially distressing. My husband is often XXXX, leaving me to manage our household and care for our XXXX young children. The thought of losing our home over a {$660.00} tax paymenton a property valued at nearly $ XXXX deeply unsettling. 

On XX/XX/XXXX, I contacted Mr. Cooper, and a representative assured me the matter would be escalated. However, after allowing for the holiday weekend, I followed up on XX/XX/XXXX and have been calling daily since without resolution. The only response Ive received is that the matter is being worked on, which lacks the urgency this situation demands as the tax sale date rapidly approaches. 

This level of inaction and mismanagement is unacceptable. We have owned this home for over XXXX years without ever missing a mortgage payment, and we should not have to face the risk of a tax sale due to errors and negligence by the companies involved. 

I am requesting immediate action to resolve this issue, ensure the tax payment is made to avoid the tax sale, and receive confirmation that this matter has been permanently addressed. Additionally, I urge the companies involved to review their processes to prevent further harm to other homeowners in similar situations.