23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After calling LoanCare to sort out a new escrow amount, I Was advised by LoanCare Customer Service in XX/XX/2019 not make payment on mortgage until new/correct amount was determined. Was told that my payment would NOT be reported as late. Was advised I would be given 60 days days to solve issue of new payment amount. When advised of new amount I promptly made payment. Then got letter advising this amount was incorrect. Called Loan Care Customer Service and was advised of the amount given to me was wrong and was then given NEW corrected amount. I mailed this off. Loan Care told me they would not report my payments as late. They have inaccurately reported late payments and they have failed to fix these mistakes. I have called 5 times in last 12 months to fix this. Each time I have called I am told by Customer Service " we see in account notes that you were advised you had a 60 day grace period, we see you were advised not to pay '' yet they have repeatedly failed to correct the error.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a request to Trans Union regarding inaccuracies in my personal and address. They have not responded. Nor have they taken any action.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. 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 1681 ( 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: Mortgage

I applied for a mortgage through LoanDepot Direct/Online, went house hunting, found a house, made an offer, got accepted and locked down the loan with them. They stated the appraisal needed to be paid upfront ( {$490.00} ) and wouldn't be performed until I gave the go-ahead. I had the property inspections and decided not to proceed/cancelled escrow. I notified LoanDepot the same day I cancelled to not perform the appraisal and they acknowledged. A few days later I received an email with results of the appraisal being performed. LoanDepot guaranteed the full appraisal cost would be refunded because of a breakdown in communication where the local appraiser was not notified to cancel in time. Believing I would be refunded, I continued to look at houses. 
I found another house, submitted an offer, got accepted and went into escrow. Before paying the appraisal fee upfront ( {$420.00} this time ) and locking the loan, I asked the LoanDepot agent to CONFIRM that appraisal would not be performed until I gave the go ahead and he assured me it wouldn't happen again. Same scenario as the first time. I performed inspections, backed out of escrow and notified LD agent to cancel and CONFIRM the appraisal wouldn't happen. I then get another email a few days after cancelling escrow that appraisal has been performed again. 
Numerous emails, phone calls, voicemails and weeks later, I got fed up and opened 2 claims with the credit card company I had used to pay for the appraisals upfront. 
On the first claim, LD then refunded {$340.00} and the credit card insurance covered the rest for a total of {$490.00}. 
I just got notice yesterday that the second claim was rejected because they had already paid {$340.00} on it ( this was from the first claim ). It's been about 3+ months since the original transactions. 
I'm hoping this is a mix-up but I doubt it the way that LoanDepot ignored my contacts. I'm reaching out to my credit card company to see if I can fight this resolution. 
If anyone can help me I'd appreciate it! I have email and voicemail proof to back up my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuse to disclose all documents to validate the inaccurate information published on all three of my credit files. I have made several attempts through the company and all three reporting agents, which all fail to provide proper documentation and verifiable information of their reporting actions. 

Per FCRA section 611 ( a ) 5 publishing inaccurate and unverified items on my credit report damaging my reputation and credit worthiness, I'm requesting this account be immediate removed from all three reporting agencies. 

XXXX, XXXX, Experian and XXXX fail to provide proof of investigation to validate inaccuracy reporting on my credit report. XXXX XXXX has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of Ally violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.
Product: Credit card or prepaid card

Back on XX/XX/XXXX, at XXXX XXXX in XXXX XXXX, I reserved a VIP table to celebrate a friends birthday. I ordered a ( XXXX ) Champagne parade, bottle of XXXX XXXX XXXX XXXX XXXX, as well as bottled waters & XXXX XXXX. I am not disputing this at all. I have the orignal reciept for {$5300.00} which is also the " Pending Amount '' that was put on my CC when the purchase went through. ( I have a screenshot of this showing on my BOA CC transaction history that night ). The amount XXXX XXXX charged my CC was {$10000.00} Time Stamp on the reciept I have is XXXX for {$5300.00}. BOA orginally credited my account {$5000.00}, the amount I disputed because the merchant did not respond. They only responded when realizing the money was refunded back to me. I made numerous attempts to contact thge GM of the club as well as the VIP host that went unanswered. 
On XX/XX/XXXX, BOA denied the claim after refunding me my money. They claim the Merchant submitted receipts. ( thise are attached ). I have MAJOR issues with the reciepts. Not only do they not have my signature ( one isntn even signed ), the time stamps don't match up. There are 3 different amount with 4 different time stamps. 
The additional amount that they charged me was for another round of a champagne parades which I did not ask for at all. The waitresses did this for themselves not for me & proceeded to charge me for it. Not only did I not get the $ XXXX receipt, I was told " Don't worry it's all set ''. This is FRAUD as they charged my card {$10000.00} for items I did not order & did not recieve. I've been in the nightclub busy 20+years, this is a scam & I have seen waitresses do this on many occasions. 
BOA customer service told me they can not believe me but only believe the merchant because they provided reciepts. Well I provided reciepts as well showing what I was originally charged. How is it that I have the original reciept with the correct amount & they have multiple reciepts with 3 different amounts & 4 different time stamps?

The signatures are not even close to mine at all & neither are the intials. That is clear as day,. BOA told me they can not base the claim on signature becuase my CC was not stolen!! 
This is FRAUD on the merchant & I should be charged the {$5000.00} for items I did not recieve or order.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/year> BALANCE : {$27000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax received a dispute via registered mail that included XXXX forms of identification notarized by a public notary verifying the identity of the submitter, from XXXX XXXX XXXX regarding unverified items on a credit report. Equifax has responded stating the identifying documents were " illegible '' and identifying documents did not match information that was on file. It appears Equifax is attempting to delay the dispute process to further their own interest as XXXX and XXXX have both received the same photocopies and notarized verification of documents and could easily verify. Equifax was also responsible for a data leak of my information which could be a factor in this delay, non the less the proper documentation has be submitted for this dispute and they are legible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy was dismissed due to misrepresentation by an attorney. The attorney was disbarred by the NC XXXX XXXX. I had to hire another attorney to have the Bankruptcy dismissed. I have sent all the info to all three credit reporting agencies and to date they have refused to remove from credit file.
Product: Checking or savings account

I opened a account with Chase Bank and as soon as my XXXX XXXX XXXX XXXX was direct deposited in my chase account chase froze my account and let a debt collector take my whole check, which is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been denied a loan when my Fico is 700+ because of some random new reporting agency has my score in the 400 range. I have never heard of or seen a company use them until this loan application. I am not comfortable sending my personal information with copies of SS card and birth certificate to them in order to find out who they are and get my score and history that they use to determine such a low score. The company is SageStream , LLC and something needs to be done about them and their business practices. They have compromised way too many people 's information and scores. Again the company is SageStream , LLC
Product: Mortgage

Our original mortgage was through Another company and then was sold to PHH Mortgage. When we closed on the original mortgage we did not have to include PMI because the loan to value ratio was below 80 %. However, once the loan was sold to PHH Mortgage they began paying PMI out of our escrow in the amount of {$160.00}. We tried resolving this with PHH, who originally told us it would be resolved in 3-5 business days. This has now been going on for over a month. They told us that they found an internal company memo that said the loan required PMI. The final closing documents clearly stated PMI was not required. We have proven this to them and they admitted that they should not have paid this out of our escrow, but their proposed solution was to refund us {$19.00} instead of the full {$160.00}. They can not explain why we should not be refunded the entire amount. If your mortgage is being serviced by PHH I suggest you read your statements carefully because I have a feeling they are doing these types of things to many people who just arent paying close enough attention.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG.

I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

Alliance One sent me a document in the mail claiming that I owe a debt. Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor Alliance One has failed to provide 3-5, and therefore, is in violation of the law. Not only did they not include it in the initial communication, they failed to send it within 5 days. As you can see, the date was XX/XX/2021 and today is XX/XX/2021. Attached is the communication I received from them, the first picture is of the front, the second picture is of the back. 

This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming this debt is owed.
Product: Debt collection

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 To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
XXXX XXXX XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX # XXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information contained in my credit report, as provided by your agency. I believe this information has been furnished or obtained without my written consent, which violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. 

Specifically, I have not provided any written authorization for the release or reporting of my credit information to your bureau. The FCRA requires consumer consent prior to the dissemination of credit information, and I have not given such consent in this instance. 

I request that you investigate this matter and remove any disputed information that was obtained or reported without my authorization. Please provide me with a written response detailing the outcome of your investigation. 

Thank you for your prompt attention to this matter.
Product: Debt collection

This time the message left said they were with D2 managment ( from a XXXX search theyre in SC ) Told them before I had no idea what they were talking about..left a phone number that didn't match the one they called from..By the # that showed up it was a local call but wasn't, they've called back several times but i had deleted the call log showing all the times and different # s they've called from usually starts with my area code and first 3 digits have been XXXX or similar..Saying its time sensitive and urgent I call, that they received a file on their desk but never says from where. The one time I did talk to them I told them I didnt know what they were talking about and to not call back. The return # left on voicemail starts with XXXX
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX XXXX INSISTS THAT I HAVE APPLIED FOR APARTMENT XXXX WHEN I DID NOT. I HAVE NOT INITIATED NOR AUTHORIZED ANY INTERACTION WITH XXXXXXXX XXXX XXXX XXXX. MY INFORMATION WAS BREACHED BY AN UNKNOWN INDIVIDUAL. ADDITIONALLY, I HAVE BEEN CONTACTED BY HUNTER WARFIELD IN THE ATTEMPT TO COLLECT {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian by phone in attempt to request a freeze on my father 's credit file due to his recent death. I was unable to connect to a representative through the automated phone system, but rather advised that they would only accept a request for a freeze via mail. I attempted to submit a freeze request online via Experian 's online portal at https : //www.experian.com/consumer/upload/ but their system would not allow my files to upload a PDF file from my XXXX. I found the corporate HQ number and was only able to connect to a live representative via their business/client service line. Their line for consumers goes directly back to the automated system which would not allow me to connect to a live representative for my issue. Corporate was able to ultimately connect me to an agent who explained that their policy does not allow for a temporary freeze or even remarks to be added to the account indicating they had been notified of the consumer 's death. I requested to speak with a supervisor to discuss my concerns about the nature of this policy and the potential vulnerability it exposes their customers to. I was advised I would get a call back but had not received one within 24 hours. I am providing written documentation by mail to Experian but feel their policy and tools limit the ability of consumers to quickly advise and secure their information against potential fraudulent actors and exposes their clients and financial institutions to unecessary risk by not allowing for a mechanism to flag an account for further investigation should someone attempt to obtain credit under a deceased individual 's name or victim of identity theft. In my contacts with the other two major credit bureaus, I did not experience the same issues or was able to connect to a representative who could handle my request with more expediency than Experian.