23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Borrower received a permanent modification offer. It was received via email on XXXX/XXXX/2016 from the bank 's attorney, XXXX XXXX XXXX at XXXX, XXXX, XXXX XXXX. The borrower came in on XXXX/XXXX/2016 to sign and notarize the documents. On that day, I, XXXX, contacted both Caliber Home Loans, and the attorney 's office in an attempt to collect the label that, in the documents, was supposed to be attached. In my conversation with XXXX, I was given the address to MAIL the documents to, and was assured that it would be " okay '' if the documents got there late. The attorney did not respond to me until XXXX/XXXX/2016, XXXX week later. She attached the mailing label in that email, but, per my discussion with Caliber on XXXX/XXXX/2016, I sent the documents via USPS. The borrower called to make XX/XX/XXXX payment and was told that the case was " closed '' and that the borrower needed to reapply for a modification, as the documents were received after the due date. The documents were not received by Caliber until XXXX/XXXX/2016, and they were due XXXX/XXXX/2016, the date that the lawyer 's office sent the label. Please see attached. I escalated the case on XXXX/XXXX/2016 through Caliber, and was informed today, XXXX/XXXX/2016, that they stick to their decision to close the case and the borrower needs to reapply.
Product: Debt collection

The following accounts has caused me financial ruin. Iam disputing the accounts, because the accounts are an result of identity theft. I have reached out to these following companies several times. no results has been made. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX  XXXX  {$210.00} XXXX XXXX/XXXX  {$200.00} XXXX
Product: Student loan

Aspire Loan Servicing company has taken over the payment process for Iowa Student Loan. My private loans hold a grace period, this was established with Iowa Student Loan early on in my loans. I have spent countless hours with Iowa Student Loan reviewing options, understanding payments and understanding the loans process. I am aware of what I can and can not do and how my decisions will impact my loans and/or my credit. I have also flexed my payments based upon when paychecks are provided ( as do most consumers ). This was NEVER an issue until Aspire got involved. Aspire contacts me, by phone, if my loan is even 5 days past due. They call me from an unknown number ( which I believe is very underhanded ) and the representative attempts to force a payment over the phone. I previously explain to these representatives that payments are scheduled and I do not wish to make one at this time. They continue to push for payment telling me that since my loan is past due it may be reported to the credit reporting agency and I should make a payment today to avoid this. I again state payments are already scheduled for the upcoming payday week. I have NEVER been more than 10-12 days ( Iowa Student Loan explained 15 or more days is where there could be some additional issues with fees and reporting to credit bureaus ) late with my loans in over 10 years, they always receive payment EVERY MONTH. It is a constant battle and I feel harassed and exhausted every time I deal with them. Yesterday, however, they crossed a line and I feel action needs to be taken. The representative that called my phone from an unknown number AGAIN, identified herself as calling from Aspire Student Loan Services, explained the call could be monitored or recorded ( all the standard ) and then she proceeded to tell me that she needed to inform me that she was " DEBT COLLECTOR. '' This is insane, intimidating and misleading language. My bill was six days past due with a scheduled payment ( visible on their website ) for THIS Friday. She is not a debt collector and I do not appreciate being called in the middle of a work day from an unknown number with someone referencing DEBT collection as if I am months past due, or that I must pay immediately because I am in some sort of trouble. This company is getting FAR too pushy. I know that I am not the only customer that has issues with their aggressive actions for loans that have ALWAYS been paid. A letter after six days -- MAYBE, a phone call referring to a DEBT COLLECTOR is UNACCEPTABLE. Even mortgage companies do not harass you in this manner and they hold loans MUCH larger in capacity than this company, and allow the 15 days grace. I feel harassed and mistreated as a customer that pays EVERY month. I understand reminders, I understand follow-ups to make sure, but 6 days is uncalled for.
Product: Credit reporting, credit repair services, or other personal consumer reports

A copy of my ID is attached. My last CFPB complaint was XX/XX/XXXX and you the credit bureau has taken more than 30 days and you hit me with another stall tactic. Rights has been violated left and right. Here is my complaint once again.

I have sent a total of 16 letters between XXXX, XXXX, Equifax, XXXX XXXX and XXXX XXXX XXXX collection agency with proof of unfair inaccurate reporting they are doing to my consumer credit report. Each time my dispute comes back verified, or Ig get no response at all, which I do not see how when there are so many missing data fields, dates and remarks not the same on my reports. My question is if the company keeps updating the account then shouldn't the account have the same information since by law they have to update all of the bureaus/ agencies with the update? So now it comes down to me calling them out for unfairly adding the accounts to my credit report in the first place. 15 US.C. 1681 SECTION 602 A, SAYS I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SAYS A CONSUMER REPORTING AGENCY CAN'T FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT. I XXXX XXXX have never gave EQUIFAX, XXXX, XXXX, XXXX XXXX, OR XXXX XXXX XXXX MY WRITTEN CONSTENT TO ADD THE ACCOUNTS TO MY CREDIT REPORT AND DEMAND THEY BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX husband used my account without my approval and it was never sent to me in the mail until after the divorce so it was not part of the XXXX settlement. I have attempted several times to contact both the credit bureau and Amazon store card and neither will knowledge this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that 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
Product: Mortgage

I have been working with NACA/XXXX for almost two years only for underwriting to deny me on the last day of the attorney review. They told it me it was because funds in my account went down, however, if they were monitoring my account, the could have been avoided prior to accepting a contract that I had submitted. Not only did they review and accept the contract, they had me, complete an inspection, secure an attorney, and purchase a condo questionnaire. My realtor sent emails to ensure that we were on track and we never got a no. There have been so many complaints online regarding naca but I still tried to give them the benefit of the doubt. There lack of responsiveness and perceived lack of care frustrated both my realtor and attorney. There has been constant mixed messages and doesnt seem like this program has any empathy for their clients. They seem to be preying on neighborhood clients versus helping them. Even after denying me, they still proceeded to take out fraudulent membership dues and money for a credit report. If you deny me of a loan I get approved for by the alternate lenders in 5 min. I sent a complaint to XXXX  and NACA for a refund of the fees over the last year and they denied me again. They dont think there is anything wrong with there process and the offered no help at all instead went back and forth with me in an email war to try and prove he was right without even picking up the phone to talk to me. This is the second time that naca nearly caused me to lose a home. The first offer I submitted, was denied by the seller because they didnt want to work with naca due to a reputation of the process taking too long. They asked me to switch  lenders and they would consider. Believing in naca, I stayed the course until I realized they werent really trying to help me. They never even offered an alternate solution. This process has been so long and complicated and all I want is for my money tp be refunded so that I can finally be done with naca for good. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, 2022 paid last payment to AFFIRM INC . I RECIEVED EMAIL CONFIRMING PAYOFF. I DISPUTED WITH BUREAUS IN XXXX... .THEY GOT REPLY ON XX/XX/XXXX A MONTH LATER STATING THE DEBT WAS STILL VALID. WHEN I CALLED AFFIRMS REPS VERIFIED MY PAYOFF. HOW OR WHAT KIND OF PROOF COULD AFFIRM SUPPLY INXXXX ON AN ACCOUNT PAID OFF IN XXXX A FULL MONTH BEFORE. CREDIT BUREAU WILL NOT VALIDATE OR INVESTIGATE MY DISPUTE AND TELL ME THAT THEY CANT REMOVE INCORRECT DATA. AFFIRM HAS TO. THEY DID NO INVESTIGATION OF THEIR OWN. AND RECIEVED NO VALIDATING INFO IN XXXX. THEY JUST TOOK AFFIRMS WORD AND XXXX TOLD ME THEY DIDNT HAVE ENOUGH INFO FROM CREDITOR TO VALIDATE MY DISPUTE. THEY CLOSED DISPUTE... WITH NO VALIDATION OF DEBT AND LEFT ITEM PAID AND CLOYED IN XXXX STILL ON MY CREDIT REPORT AND SAID XX/XX/XXXX AFFIRM CONFIRMED DEBT... BUT SDNT NOTHING TO VALIDATE DEBT NOR POST XX/XX/XXXX FINAL PAYMENT. CALLED THEM..THEY HAVE NO IDEA WHERE TO TRF ME TOO OR HOW THIS WORKS ... .JUST THAT I HAVE XXXX SAY AND THE COMPANY THAT PAYS THEM HAS ALL THE RIGHTS AND POWER TO REMOVE FALSE DATA ... .THEY CANT DO ANYTHING... .WHEN READ WHt the law says " i dont know... we cant help you... call affirm ... they put it on ... only they can remove '' im quoting exactly what im told constantl,... so this is a company wide... beaureau wide policy so they can keep charging for reporting even if shown report is wrong. 30 day removal doesnt apply to creditors but let me be XXXX days lTe n its on my file... ..NO ONE MONITORS BUREAUS. THEY GET AWAY WITH VIOLATING THE FAIR CREDIT REPORTING ACT HOURLY ... EVERY SECOND... ..CLss action lawsuit is whats needed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record ( CHAPTER XXXX BANKRUPTCY ) entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Transunion verifies their public records was advised it was via third party not actual court. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Transunion back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no  runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Transunion refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. It is reporting invalidly and would like it to be removed immediately.
Product: Credit reporting

When I go to check my free credit report, I am told that I may have taken out several loans for certain dates although I have never taken out a loan. When I go to answer these security questions about said loans, I am unable to give an answer, because I have never taken out a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit card

On one previous occasion I paid my fianc car note for him ( recorded consent with rep ) with my credit card but later that year ( 2016 ) during the holidays I checked my card for unauthorized charges & there was one from my fianc car note company which I had not authorized!
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY NAME IS XXXX XXXX XXXX XXXX I WROTE THIS COMPLAINT BECAUSE I AM A VICTIM OF IDENTITY THEFT PLEASE UPDATE MY CREDIT REPORT REMOVE FRAUDULENT ACCOUNT, XXXX XXXX XXXX,. AND REMOVE FRAUDULENT INQUIRIES XXXX XXXX XXXX AND XXXX XXXX HERE IS THE IDENTITY THEFT REPORT
Product: Credit reporting or other personal consumer reports

Chase credit card made a fraudulent hard inquiry on my XXXX credit report on XX/XX/2024. I noticed and requested removal of the hard inquiry on XX/XX/2024. Since then, Chase has been giving me the run around and has not requested the removal of this hard inquiry. A second hard inquiry was placed in XX/XX/2024. Chase was able to resolve this and have it removed but they are refusing to remove the XXXX hard inquiry. Chase has not provided me with a reason why this hard inquiry has not been removed. As of XX/XX/2024, the hard inquiry is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting XXXX, XXXX and Experian customer service by phone, I was told to submit the enclosed complaint. I also would like to remind you that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. I know that my information is being used to mislead, open, charge funds, inquire and whatever else, without my permission. I need these items removed immediately. Both the accounts and the inquiries. 
I demanded to see Verifiable Proof, whether electronic or wet signature, of what they have on file of the account and inquiries. They failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove. There is bankruptcy showing up on my credit report. This is false information as this bankruptcy does not exist.
Product: Mortgage

mortgage was transferred from XXXX to nationstar XXXX XXXX XXXX XXXX starting XXXX/XXXX/XXXX. 
Payment was received and than retuned by nationstar ( XXXX XXXX XXXX. and I began being charged late fees. 
I asked for a letter that My account would not reflect their mistake, and was told it would be in the mail, have left messages to be resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
XXXX XXXX XXXX XXXX XXXX 

Innovis XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : 1. Update My Name : Please update my credit profile to reflect my new legal name.

2. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history. 

3. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made.

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document. 
A copy of my government-issued ID.

A copy of my government-issue Social Security Card .

Proof of address ( Most recent utility bill ).

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

I contacted XXXX XXXX XXXX but they were unable to identify my account and to give me an answer ( the correct amount of my debt and when the last payment was made ) .My ex husband used to make payments but then stopped. I asked XXXX XXXX to apply for a financial aide but I never got a reply. 
I sent 2 emails to Paragon Revenue Group, however they never responded.
Product: Mortgage

Flagstar bank is trying to charge a " property valuation fee '' to remove my PMI, though I have paid more than 20 % of my home 's original value. Flagstar bought my loan from another company, who did not have this policy in place. 

On XXXX XXXX, 2021 my husband sent the letter requesting PMI be removed. 

I called about 10 days later to check in. They had received my letter but not made a response, and said I would receive a letter. 

On XX/XX/XXXX, I called again. They emailed me the letter, whereby they asked for {$150.00} fee mentioned above. I verbally disputed this on the phone call and asked to see where I was obligated for this fee, as I had met my obligations by paying down 20 % of the original value. The clerk said I would receive a phone call from the proper department in 3 days. This phone call never came and they did not provide the original disclosures from the initial loan originator justifying the fee. 

It is unfair and unethical that Flagstar charge me for what I'm entitled to, and XXXX, to drag the process out, all the time collecting PMI after I asked to have it removed, which should have occurred on the XXXX statement.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Ally Financial, specifically a person named XXXX at XXXX at extension XXXX is repeatedly call my number, my wife, friends, family and people I barely know telling them to call him and then have me call them. He even called a friend of my wife the day before our wedding on XX/XX/2017 that she needed to call him and have me call him before our wedding because there are serious issues going on. I am behind on payments due to my divorce and having to leave my job due to a dispute with my employer over funds they owe me. I am trying to get back on my feet but this is now clearly harassment.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear Experian, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Section 609 Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : XXXX XXXX Account Number : XXXX Amount : {$10000.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, XXXX XXXX