23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Per email dated XX/XX/XXXX from XXXX XXXX ( see attached ) the escrow account will automatically terminate in XXXX. 

Per Homeowners Protection Act ( see below ), PMI should stop when the loan balance is 80 % of the original purchase price. 

Per Tax Records and Sales Contract the original purchase price was {$320000.00}. 

The loan balance prior to XXXX was about {$210000.00}. When you divided $ XXXX {$320000.00} that equates to a loan balance that is 65 % of the original purchase price. 

It appears Bank of America has been holding terminating my PMI illegally. Since XXXX PMI should have been terminated. 


Email : Hello XXXX XXXX , You are very welcome. The automatic termination date of your PMI is XXXX  XXXX XXXX. When requesting cancellation prior to that date you're typically required to pay for an appraisal to be completed in order to confirm the property value. This is an investor requirement so it's not something we have the ability to waive or change as we are not the investor ( just the servicer ). lIl submit the request to delete the PM and we will send you a letter within 7-10 business explaining the requirements and next steps to proceed with that process. Once you receive the letter please feel free to contact me if you have any additional questions. 
Thank you, XXXX XXXX Officer, Resolution Specialist Executive Escalations for Mortgage Per below, PMI should have ceased when loan balance is 80 % of the original purchase price. 

The federal Homeowners Protection Act ( HPA ) provides rights to remove Private Mortgage Insurance ( PMI ) under certain circumstances. The law generally provides two ways to remove PMI from your home loan : ( 1 ) requesting PMI cancellation or ( 2 ) automatic or final PMI termination. 
Request PM cancellation You have the right to request that your servicer cancel PM when you have reached the date when the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. This date should have been given to you in writing on a PM disclosure form when you received your mortgage. If you can't find the disclosure form, contact your servicer. 


TAX RECORD XXXX XXXX Date XX/XX/XXXX Grantor XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Grantee XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sale Price {$320000.00}
Product: Mortgage

My mortgage company sold to a new loan company in XX/XX/XXXX. I called and also mailed XXXX XXXX my new mortgage Information. XXXX XXXX never updated the my loan information like I told them. In XX/XX/XXXX I received my XX/XX/XXXX loan payment back from the old company saying they can no longer accept my payment. I contacted XXXX XXXX  to send thr XX/XX/XXXX payment out to the new company and it is now XX/XX/XXXX and it still has not gone out. I have contacted them several times and they keep saying they are sending it. As of today I am 60 days delinquent on my mortgage payment and they are not correcting the situtation. Can you please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I had a lot of things deleted off my Experian credit report and I have screen shots for for proof that they was deleted but all the sudden they have re put those items back on my credit report and drop my score over slot of points until now i have poor credit rating and i don't like the way Experian running things over there Account .... XXXX XXXX  was deleted back on XX/XX/2019 and i file the dispute right here on cfrpb in the response it says clear the company has deleted the account but today XXXX it's been verified I don't understand it was deleted for wrong late dates and wrong reporting also I had 2 names deleted XXXX XXXX XXXX and XXXX XXXX my name is XXXX XXXX XXXX ... Plz someone iam begging tell Experian to fix this matter asap or I will have no choice to go to small claims court this stuff popping back up on my credit report hurting me all I want to do is start a second chance life but Experian is taking me not seriously plz remove the fraud accounts
Product: Credit reporting

This was a tax lien that has been paid and released. Documents were sent to all XXXX reporting agencies of the release of the lien, but the derogatory remark is still on my credit report, and Transunion XXXX refuse to remove it, after countless attempts on my part to have them do so.
Product: Mortgage

I was conditionally approved for the haf program ( Michigan ) XX/XX/2023 I have been calling Citizens Bank twice a week since then. Citizens Bank has not returned my calls nor have they responded to the haf program with the necessary documents to verify my missed payments. The haf program has reached out to them 6 time since XX/XX/2023 as well and they havent replied. I tried emailing different people Im different departments no one will help.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Auto Loan Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i require that credit reporting agencies maintain accurate information and provide the right to dispute inaccuracies.

Identity Theft and Assumption Deterrence Act ( ITADA ) : 18 U.S.C. 1028 provides the right to dispute and remove fraudulent information.

Regulation V ( 12 CFR Part 1022 ) : Mandates that credit reporting agencies investigate disputes and resolve inaccuracies within a specified time frame. 

XX/XX/XXXX Closed Account charged off. {$15000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$17000.00} XX/XX/XXXX XX/XX/XXXX 55 % Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility {$17000.00} {$38000.00} 75 Months Individual
Product: Credit card or prepaid card

My Apple Card, which is managed by Goldman Sachs, has been locked and I was told it was due to a high balance on XX/XX/XXXX. I was told by a representative that I have to pay down my balance and it will allow my card to work again. On XX/XX/XXXX I reached out again as my card had not been able to make charges since lowering the balance. I was told that my account was under review and they would not give me a date that the review would be complete. On XX/XX/XXXX I reached out to Goldman Sachs/Apple Card support again just to get a time frame of the review and they had advised XXXX  days someone would reach out to me. I never heard back so I reached out again on XX/XX/XXXX. I was told the card would be active on XX/XX/XXXX. Reached out again on the XXXX and the XXXX as it still was not active and was told the card is under review and that there is no timeframe. I filed a complaint with Apple Card support and was told I would be contacted within XXXX  days regarding my complaint and i still have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX XXXX and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. 

I had contacted XXXX  ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact XXXX. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for XXXX  to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to XXXX  compliant departments. 

TransUnion submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact XXXX   regarding my concerns. XXXX provided the same recommendation but I was informed to contact XXXX and the XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX and was informed to contact the reporting agencies and XXXX. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. 

Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with XXXX. For XXXX, there is no option to dispute my credit scores. 

I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. 

Thank you for your time and patience to assist me in this matter.
Product: Credit reporting or other personal consumer reports

I opened a credit card account with XXXX XXXX XX/XX/XXXX. In XX/XX/XXXX, XXXX  XXXX acknowledged by excellent credit history and offered me an upgrade from my product ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Other than charging me a much higher annual fee, everything including the account number stayed the same. 

They continued to accurately report the age of my account as XXXX XXXX until this summer, when they started reporting my account as opened in XX/XX/XXXX. 

This reduced my credit score because the length of account id important for lenders to see. 

However, this was the EXACT SAME ACCOUNT and just an upgraded product. My account should continue to reflect that it has been open and paid as agreed ( with {$0.00} balance and $ XXXX available credit ) with ACCOUNT LENGTH 4y 11mo. 

XXXX XXXX XXXX  and XXXX XXXX agrees, but forced me to write to their FRCA to make the change, even though this was their error. I requested a reasonable accommodation under XXXX, especially because so much work was required for me to fix THEIR error. 

I sent all of the evidence of the length of my account and keep telling me they will update my account information with all credit bureaus as recently as XX/XX/XXXX, yet have failed for months to do so. 

I have suffered direct damages for a falsely lowered FICO score with all three credit bureaus which has resulted in {$16000.00} in interest charges from XXXX and other loan agencies and was even denied an increase in credit line for this top tier product because of their own mistake. Evidence is attached and request CPRB compel XXXX XXXX to update my account length of account open to 4y 11mo since the account is the same and the product was simply upgraded at their request.
Product: Payday loan, title loan, or personal loan

The company was deceitful in making me pay this already discharged Bankruptcy debt by making me believe that I still actually owed them for this debt that dated back to the year of XXXX. Besides the age of the debt, this debt was completely discharged by the United States Federal Bankruptcy court on XX/XX/XXXX and therefor I legally have no further owed obligation to repay a discharged debt as a result of my recent chapter XXXX bankruptcy filing done on XX/XX/XXXX at the XXXX, CA Federal Bankruptcy Court. Speedy Cash made it seem as if I paid this debt that they still are illegally claiming that I owed to them despite the fact that I had filed for bankruptcy, that they would give me a new loan once it was paid. They deceitfully lured me into making this payment to them thinking that I would be approved for a new loan from them for a much higher dollar amount, but instead, after I had made the payment to them, they conveniently denied my request for a new loan, and in fact, also told me that now I had to wait 60 more days before I could even re-apply at all. They not only lured me into paying off an old discharged bk debt, but they deceitfully did it and lied to me about being able to get a new loan from them afterwards if I had re-paid this discharged debt. Now they also not only deny this loan, but make it so I cant even re-apply for 60 days. Also, when they denied me I was not given any reason for the denial after I was told that this loan would be approved. Instead I get an email the next day that states that I was denied due to information they received not from a credit reporting company but a different unnamed source that has nothing to do with credit reporting bureaus etc This company was deceitful, dishonest, and preyed on my vulnerability. The next step is to file a complaint at my local court, and possibly at the Federal Bankruptcy Court for my region as well, if this not resolved at this level.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear I have been a XXXX XXXX customer since 2021 and during that time, I have enjoyed my experience with COMPANY NAME greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced account that date back to 2021. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of was robbed. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that your is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply. 


Sincerely,
Product: Mortgage

XX/XX/XXXX PHH Mortgage/Ocwen Case # XXXX XXXX XXXX | Sales Manager, Direct Lending Sales PHH Mortgage Corporation NMLS # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Toll Free : XXXX ext. XXXX Fax : XXXX XXXX www.phh.com Good Morning XXXX, This is my second complaint in less than 30 days from the original on XX/XX/XXXX. I am seeking relief and I want this email to go on record as a formal compliant against XXXX XXXX ( Sales Manager ), XXXX XXXX, XXXX XXXX, and XXXX XXXX who have been assigned to process my file which PHH/OCWEN Mortgage Company has continued to ignore regarding my request for assistance in processing my refinance request in a timely manner. 

On XX/XX/XXXX, I received a call from XXXX XXXX reviewing my application for a mortgage refinance I submitted over three months. During our conversation, she inquired about a deed for my timeshare, that was paid off in XXXX, that the underwriter was requesting. I stated to her that I have a copy of the deed which I can email to her, which I did. I simply told her no matter what I submit per the underwriter 's requests, he will request additional information which will further delay my loan. She promptly agreed. She assured me that she is working diligently to have my file completed and forwarded to the underwriter and not to worry. 

On XX/XX/XXXX, XXXX, I spoke to another processor ( name unknown ) and was told she received my application from XXXX XXXX XXXX This processor is now asking for the same documents I have submitted three times previously to different processors. The unknown processor stated that she was going to send me an email requesting the documents listed below and that she is anticipating a closing date XX/XX/XXXX. 
* Credit report confirmation on a new car purchase * Last two years proof of employment along with paystubs * XXXX income tax filing XXXX XXXX, Sales Manager, has not intervened or offered any support. 

I would really appreciate if someone other than the Sales Department of PHH /OCWEN would assist me in addressing my concerns. I can be reached via email or by cell XXXX. 

Cc. Consumer Financial Protection Bureau Congresswoman Eleanor Holmes Norton Department of Housing Investigative Unit, Department of Justice
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I contacted the local branch of XXXX XXXX to obtain the XXXX  day payoff about. On XX/XX/XXXX the branch received a check for the total of the XXXX  day payoff and applied it to my account. When I checked my online account it still showed a balance of {$800.00}. I have contacted the local branch XXXX  times and left a message for the branch manager to contacted me about this balance. I am unable to get a call back or to speak with anyone directly when I call.
Product: Debt collection

A collection was added to my report on XX/XX/ from DRS. They state that I owe {$1200.00}, but I do not have any account behind on payments, nor did I have any other accounts with that same amount
Product: Credit reporting or other personal consumer reports

I received a late payment on my auto loan ending in XXXX on my XXXX XXXX account for XX/XX/2024 but this auto loan was refinanced and paid off and closed in XXXXso how will be late in same month it was paid off ( see attachments ) and its on all XXXX credit bureaus. The account is from navy federal it was an auto loan for XXXX account ending in XXXX I owed XXXX they refinanced the loan which now ends in XXXX and I signed documents in XXXX. So how is it they marked me late for a loan that was refinanced in the same month Ill send both attachments to prove it. Also its listed as an Unsecured personal loan on XXXX which is incorrect it needs to be listed as an auto loan because thats what it is.
Product: Debt collection

I went to check my credit and it says I have a debt with a energy company from when I was XXXX XXXX XXXX and Im currently XXXX XXXX XXXX and I live and XXXX and I wanted to know if I could get that debt off my credit
Product: Credit card or prepaid card

Sometime between the  XXXX  of  XXXX   til  the  XXXX  of  XXXX  in   XXXX  , Chase closed  5  of my credit card accounts ( Chase   XXXX     XXXX ,  Chase Freedom ,  XXXX ,  XXXX , and  Chase Freedom   XXXX  ) that I have with them without any notice. I did not receive any emails or letters about why. On the  XXXX  of  XXXX , I called  Chase  and they informed me that they could not provide me with any assistance. I spoke with  XXXX . I attempted to get her employee ID or her last name in order to reference the call, however she hung up on me. She refused to escalate my call to someone who could possibly help. To this date on the  XXXX  of  XXXX , I have mad e 3  separate phone calls to Chase and it ranged from not providing any information to having too many credit cards. However, I find this incredibly hard to process because they recently just increased  one  of my cards from  XXXX  dollars of credit to  XXXX  and also approved me for  2 o ther cards, which they could have just denied. I have never missed a payment, always kept my utilization at less than 2 %, and paid off my balances before the statement. I would at least like to keep my oldest cards with Chase so that it does not severely impact my credit as I only have about 2 years of credit history and one of my oldest accounts is with Chase.
Product: Credit card or prepaid card

Capital one, keep updating missed payments.. thats not accurate.. Ive been making on time payments ... and its continue to hurt my credit score.. please help me.. o dont know where else to turn
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and falling to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to ny credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information from complaint XXXX has never been corrected on my report.
Product: Credit reporting or other personal consumer reports

I AM VICTIM OF FRAUD.MY CREDIT HAS BEEN STOLEN FROM ME, MY ENTIRE LIFE. IT WASNT UNTIL I GOTTEN OLDER, THAT I START TO UNDERSTAND ABOUT THE RESPONSIBILITY ABOUT CREDIT AND I STILL HAVE NO BIG CLUES.I WANT THE FRAUDULENT ITEMS TO BE REMOVE AND TO KNOW WHO OPEN THESE ACCOUNTS UP AT WHAT LOCATION OR IP ADDRESSES.I AM ALSO REQUESTING MOST OF ALL, THAT THE FRAUDULENT ACCOUNTS AND FRAUD ITEMS BE REMOVE FROM MY CREDIT REPORT, ASAP, ACCORDING TO THE FAIR CREDIT REPORTING ACT SUCSECTION 605B, ANYTHING THAT I BELIEVE WAS POSSIBLY FRAUD MUST BE REMOVE, IF I REQUEST IT. I DONT BELIEVE, I KNOW 100 % A FACT. PLEASE MAKE THESE CREDIT BUREAUS REMOVE THESE ACCOUNTS. XXXX NEVER EVEN DID A BLOCK, THEY INSTEAD BLOCK A SINGLE INQUIRY. I HAVE ABOUT XXXX ACCOUNTS THAT IS FRAUDULENT AND SOMEONE IS USING XXXX OF THE ACCOUNTS AS WE SPEAK, THATS A XXXX XXXX XXXX XXXX.ALSO IF THEY VERIFIED THESE ACCOUNTS BEFORE THEY EVEN REMOVE THESE ACCOUNT UNDER THE FCRA 605B, THEN I WILL WANT THEM TO EXPLAIN WHAT LAW AND CASELAW PROVIDES THEM TO DO THAT.
Product: Credit reporting or other personal consumer reports

This is my first 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX  Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$730.00XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I see that there's a debt for auto Insurance for {$110.00} from XXXX. I do NOT owe XXXX  ANY amount for ANY auto. My cousin is my XXXX  and she's not showing Any OUTSTANDING debt from XXXX. I tried to have the collection removed and as you can see it still remains unsubstantiated and no proof is ANY kind has been provided to me.