23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a current mortgage with Caliber Home Loans for a property ( see attached documents for details - Account Number XXXX ) that was purchased for {$190000.00} and mortgaged original loan amount of {$160000.00}. I been making all my payment on time with additional principle each month. As of today, my principal balance of {$140000.00} has reached 77 % percent of the original value of my home and Caliber refuses to remove the monthly mortgage insurance charged to me. I have contacted Caliber customer service and they advised me that my principal balance must reach 70 % percent of the original value of my home in order to remove the monthly mortgage insurance, which is not what federal laws require. I asked them " how come that is not reflected in my closing documents or any disclosure to me ''??? as I was never advised of this 70 % requirement, however, Caliber Home Loans couldn't give me a proper answer. See attached mortgage insurance clause that I have in my signed closing document, which doesn't reflect any of this 70 % requirement they mentioned. Furthermore, federal guidelines require mortgage insurance to automatically drop/remove the mortgage insurance when principal balance reaches 78 % of the original home value/purchase price and account in good standing. Caliber Home Loans want to continue charging me monthly mortgage insurance while my account meets federal requirements to remove my monthly mortgage insurance since I have reached 77 % principal balance, ( {$140000.00} ) to my original value of my home ( {$190000.00} ), plus my account has been in excellent standing and never late. See attached documents.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to report these fraudulent listings, I have encountered significant obstacles and delays in their removal, which is deeply concerning. 

However, I regret to inform you that despite my persistent attempts, this charge persist on your platform for an unacceptable duration. This not only undermines the credibility of your service but also exposes your users to potential financial losses. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only compounded my frustration. I have received minimal updates on the progress of my complaints, leaving me uncertain about the actions being taken to address these issues. 

As a valued user of your platform, I expect better accountability and responsiveness from your company in combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of charge off account from your platform and enhance communication with users regarding the status of their reports. 

Failure to address these concerns promptly will not only erode the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove this account in my credit file : XXXX  XXXX XXXX Balance Owed : {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Midland Mortgage to correct their reporting data to show my account was not past due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was approved to be in forebearance under the CARES ACT and Midland mortgage advised me that the payments will not be reported to the credit bureau as late payments while under this program. Midland Mortgage in turn did report my account as 90 days and 120 days late to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed the items directly to the credit bureaus and as of XX/XX/XXXX Midland Mortgage continues to report as late payments for this timeframe. I reached out the Midland Mortgage around XXXX and XX/XX/XXXX. XXXX XXXX ( Supervisor ) advised they would correct the inaccurate reporting. XXXX ( Supervisor ) call me around XX/XX/XXXX or XX/XX/XXXX to advise she would correct the reporting by sending the correct information to the credit bureaus. She even emailed me a letter from Midland Mortgage stating the information was inaccurate and should be removed from my credit report. I have a copy of the letter. My chief concern is that even after Midland Mortgage assured me they would rectify the inaccurate reporting, the credit bureaus still to this day are receiving information back from Midland Mortgage that my account is 90 days and 120 days past due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Midland Mortgage must immediately correct their system and update the credit bureaus. Due to this inaccurate reporting, I was denied for a mortgage. I am beyond frustrated with Midland Mortgage and wish that they correct their errors.
Product: Debt collection

Allied Interstate constantly calls my home several times a day. When the call is answered no one answers on the other end no matter how many times you say hello. When the call is not answered, they leave a blank voicemail.
Product: Debt collection

A collection was placed on my credit without notification of debts origin, an itemized bill describing charges for this debt and has greatly impacted my XXXX XXXX. This account is attempting to collect a fraudulent debt
Product: Credit reporting or other personal consumer reports

I am writing to convey my disappointment regarding your recent claims concerning my accounts. I AM FIRMLY REJECTING THESE CLAIMS ON THE GROUNDS THAT YOU LACK ANY SUBSTANTIAL MATERIAL FACTS OR EVIDENCE TO SUBSTANTIATE YOUR ASSERTIONS. Consequently, I strongly urge you to initiate a comprehensive and immediate investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. 

Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! 
The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. 

In the event that you persist in declining my position, I am prepared to take legal action by contacting my attorney to pursue a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the letter of the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required XXXX time-frame. 

I expect a written acknowledgment of the receipt of this dispute letter, as well as a commitment to investigate these issues diligently and impartially. The prompt resolution of this matter is in the best interests of all parties involved.
Product: Debt collection

The dates are wrong, the balance is wrong, im no longer liable since they sold to collection agency, and they still show a outrages balance. It says it was opened in XXXX and i knew nothing about this account as i moved to Florida in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my social security number is XXXX date of birth XX/XX/1969 my information was used in a Equifax security breach and also a medical company had send me a letter offering free credit silive wath for 2 years thru Equifax. My complaint is that when I try to sign up for the free promo. Along with the other free credit monitoring that's offer thru equifax I get a hard time. Reason is that the Equifax office of consumer affairs tells me that I cant enrolled in online services because my filed is handled by them. And I cant do disputes on line either. They block my file from online access. In order to do a dispute when I call them they tell me they have no access to my file and then transferred me to office of consumer affairs. And when I tell them that I'm disputing the negative account with chase and all the hard inquires as fraud .they keep telling me they need documentation like a ssa form from social security administration. I feel they don't need that information. Because they done disputes before in the past when I send in documents. They supposed to have that on file. And also they refused to remove the negative chase mortgage account and the hard inquires. Their violating the law by holding my credit file XXXX saying that my credit report will always be handled by office of consumer affairs. And don't tell me the reason why.
Product: Mortgage

Carrington Mortgage is trying to charge for any payment for a mortgage other than an automated payment. I have never missed or been late for a payment and make them online. I do not wish to use their automated payment system as I do not want my information stored on their servers. Please help!
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. 

XXXX XXXX XXXX XXXX XXXX account number XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XX/XX/XXXX my spouse, XXXX XXXX and I, XXXX XXXX filed bankruptcy which was paid off and released in XX/XX/XXXX. XX/XX/XXXX we were informed that the loan was sold from Homecommings to FCI. Discussion with FCI I was informed that they purchased the loan seriously delinquent. I informed them that the information was incorrect. I continued to pay FCI awaiting a discovery of documents until XX/XX/XXXX. FCI has refused to work with me insisting that the was purchased approx. XXXX. I requested documentation from the bankruptcy trustee which shows that the loan had a balance of approx. XXXX at the time of the bankruptcy being filed. It appears that all payments to the loan were placed in a suspended acct and were not paid towards the loan at the time of the release from the bankruptcy courts. I continued to pay FCI for a year longer than the loan was to exist and have no copperation from them. XXXX XXXX and I were divorced in XX/XX/XXXX. My lawyer, XXXX XXXX of XXXX, S.C. Has made several attempts to communicate with FCI with no results. I stopped paying FCI IN XX/XX/XXXX when I was out of work. According to my documents I owe no more payments and I am due the deed to my property. FCI has not taken any legal action nor is the loan been reported to any credit agency since the FCI purchase. I can not afford to retain another lawyer
Product: Credit reporting or other personal consumer reports

I was notified a couple of months ago that my credit score had dropped about XXXX points due to an account, on which I had been an authorized user since 1973, being closed, thus my age of accounts took a huge hit. However this account was NOT closed, so where are the bureaus getting this information from? Even XXXX XXXX says that this account is still open. I would like this straightened out, but everyone just wants to throw their hands up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a negative reporting on a XXXX account but when you review the history, no late payments is shown. 
Both XXXX  and XXXX, has removed the negative remarks and account as it was being reported inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX, Experian and XXXX-Consumer Reporting Agencies. I am requesting a copy of my credit reports, credit files and investigative consumer report from XXXX, Experian, XXXX. I sent an Affidavit of Truth verifying my identity and I would like all pertinent documents sent to the address included on the Affidavits. Enclosed are copies of the affidavit of truths, and US certified mail receipts.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have been informed that there are negative information reported by US Bankruptcy in the file you maintain under my social security number. Upon ordering my credit report, I see 3 entrys from this court listing with reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The entrys with this court appears to be inaccurate. 

Please verify and validate this this information with the court and provide with documentation associated with these accounts granting you authorization to report this information, bearing my signature, I formally request this information be immediately deleted from the credit profile you maintain under my social security number. 
Best Regards
Product: Student loan

I am receiving letters and email from American Educational Service about how much I owe on a student loan. I am unsure who and how much to pay. I receive letters from American Educational Service, and XXXX XXXX XXXX. 

I am unclearer how much i owe. I attended XXXX in XXXX and borrowed $ 30-38, 00. However, American Educational Services is sending me letters saying I owe over {$100.00}, 000.00. I am disputing this amount. I have verbally requested, when talking to the representative, to send me the original papers with my signature, on all my student loan. They have not responded to my request. They keep sending me information about how much i owe. I recently came out of default, and was paying XXXX. They added on {$13.00}, 000 to the loan. I payed the {$5.00} for 18 months to get out of default. 

This whole process has been confusing. You receive letters from various companies who say you owe the money for the school loan. No one wants to verify and information. There is a lot of fraud going on. This is why I am asking for verification with my signature, indicating that i applied for the school loan. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted information to TransUnion in regards to fraudulent inquiries on my credit report on XX/XX/XXXX. TransUnion states the inquiries in question would be taken care of in 10-15 days. I had to go through the same issues with XXXX and XXXX and they fixed the problem. Its XX/XX/XXXXand the issue has not been resolved through TransUnion.
Product: Bank account or service

I received a report from my ID protection service that TD Bank ( Formerly XXXX ), on XX/XX/XXXX reported to the credit reporting agencies, reported by XXXX that I had filed for bankruptcy on that date and this was described as " potentially negative information. I had been discharged under Chapter XXXX in XX/XX/XXXX and have recently restored my credit score to XXXX by XXXX credit reporting agency. I wrote to TD Bank 's Chairman 's Office and they have chosen to ignore my request to have this erroneous report removed from my credit profile.
Product: Payday loan

Despite paying {$1000.00} in interest between XXXX and XXXX, Dakota Lending still wants to charge an additional {$340.00} in interest on top of previous {$1000.00} I have already paid on a {$1100.00} loan. I offered to pay the loan in full, but they insisted on me paying the additional interest charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with XXXX XXXX XXXX popping up on my credit report. The Inquiries listed below must be Deleted since I did not Authorize the creditors to pull my credit nor did I authorize any creditor to hit me with a Hard Inquiry please conduct your investigation and DELETE any and all Hard Inquiries. I am not applying for any credit since I am looking to purchase a home in the near future. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX DC XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed numerous complaints and disputes with equifax and XXXX  also XXXX  and showed proof of inaccurate reporting on my credit with no results will attach all info
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. 

XXXX XXXX XXXX XXXXXXXX - I have never authorized or opened an account with this creditor and informed them that i am a victim of identity theft, I did not open this account and i do not owe this balance I have explained and reached out to this company and have not received a response. 


XXXX- Student Loan xxxxxxxxxxx XXXX XXXX- Student Loan xxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX  XXXX, ( The Insurance has paid this company in full and I have requested that they remove this from my credit report because i no longer owe this debt, it has been over 32 days and i have yet to recieve a response this is a direct violation of the law. ) XXXX XXXX XXXX XXXX, I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, inaccurate missed payments where there should be ontime payments this creditor has violated my rights under the following laws 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 or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This paid debt was held by XXXX XXXX XXXX who sued on behalf of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX filed a Satisfaction of Judgement then sold the debt to XXXX XXXX, XXXX on or about XXXX. 

XXXX XXXX was supplied with a certified copy of the Satisfaction of Judgement and then sold the debt again to XXXX XXXX XXXX who has hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX has called my cell phone through ( I believe the following numbers, as I no longer answer my phone due to fraudulent debt collection attempts ) XXXX XXXX XXXX ( 1 ) XX/XX/XXXX XXXX XXXX XXXX ( 3 ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( 2 ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX ( 1 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  I've attempted to hire an attorney, I can not afford one nor will an attorney take the case and be paid upon completion because it is under 50 calls ( XXXX XXXX XXXX ). 

XXXX, XXXX, XXXX XXXX XXXX, XXXX has sent me a letter stating " As you know, XXXX XXXX XXXX, the current Creditor-Debt Purchaser, has purchased the account referenced above. A judgement was entered against you in this matter on XX/XX/XXXX. '' They fail to mention that the Satisfaction of Judgement has also been filed XX/XX/XXXX. If I were a " less sophisticated individual '' this would lead me to believe that I still owe this debt. 

What sucks is I can't afford to sue XXXX XXXX nor the current owner and law firm attempting to collect on a satisfied debt. Hopefully, at least you can do something about this ... I can't. 

I have also posted a copy of the Satisfaction on XXXX ( XXXX XXXX XXXX ) LinkedIn site and also on XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX clearly viewable on a public forum, in the same manner as was the custom in newspaper days. 

I'm not looking for legal advice, I couldn't afford to take it, but surely they can be fined or something for continuing to sell paid debts and trying to collect again on them.