23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On May of the present year, I requested to get remove from my mortgage the PMI ( Private Mortgage Insurance ) this under the Homeowners Protection Act of 1998 which grants me the right to request the PMI to be remove once I have reached the 80 % loan to value ratio. 

Newrez ( Mortgage Company ) sent me a letter to sign, date and submit along with a check of $ XXXX to get an appraisal done on my home. I completed the steps and on XX/XX/XXXX, and License Appraiser was sent to my home by Newrez.

The appraisal was done and submitted on the same day to Newrez with a home value of $ XXXX at that moment my mortgage balance was $ XXXX. 80 % loan to value ratio would be at $ XXXX which I was {$3600.00} below that. However, Newrez decided to deny the removal of the PMI. 

On XX/XX/XXXX, I sent an appeal letter ( attached ) they still denied the removal of the PMI from my mortgage, violating my rights, Federal and State laws. 

I spoke on the phone with many customer representatives from Newrez about my case and all of them said that I do qualify to get the PMI remove, however it did not happen, I also have a chat conversation with a Newrez representative on XX/XX/XXXX which have said the same thing. ( Conversation Attached ) I truly appreciate your hard work on helping us small consumers to have our voices heard and rights respected. Thank you and XXXX XXXX!
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered that Affirm Inc. had reported a fraudulent account under my name to the credit bureaus. The account number XXXX was reported without my authorization, and after contacting Affirm Inc., a representative confirmed that the account did not match my personal information and was fraudulent. Subsequently, XXXX removed this fraudulent account from my credit report. 

However, despite this resolution, in XX/XX/year>, Affirm Inc. reported another fraudulent account under my name, this time with account number XXXX. I contacted Affirm Inc. again, referencing their identity theft dispute case number XXXX, but the fraudulent account remains on my credit report. This continued reporting of false information is a violation of the Fair Credit Reporting Act ( FCRA ). 
I also have recorded telephone conversations from AFFIRM INC. stating that he will flag the account as fraudulent. 

I have taken all appropriate steps, including filing an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ) and contacting the credit bureaus, yet Affirm continues to report inaccurate and fraudulent information under my name, which is negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

Please remove these incorrect accounts from my credit report immediately. This needs to be addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for the following account : Account Information Account Name : XXXX XXXX Account Number : XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. I have consistently made my payments on time, as this account was enrolled in autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payment history for this account is inaccurate, with a single late payment entry on my TransUnion, XXXX, and XXXX files that does not align with my actual payment records. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account information.

Truth in Lending Act ( TILA ) Violation : The reporting practices fail to meet TILA 's requirements for accurate credit reporting.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy.

Under FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), there is civil liability for willful and negligent noncompliance, which includes actual damages, attorneys fees, and possible punitive damages. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that these entries be updated to reflect my true payment history, which shows 100 % on-time payments. Please confirm the removal of these inaccuracies within 30 days of receiving this complaint.

Attachments : Copy of ID Social Security Relevant documents related to the account, including payment records demonstrating on-time payments. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I submitted new profit & Losses and loan mod documents again in XX/XX/XXXX though attorney. Told today by SPS that nothing was provided to them so they closed my account permanently for any review of a loan modification in the future. I complained to CFPB & was told by SPS that the foreclosure was postponed for me to submit new docs for review in XX/XX/XXXX which I did through my account online with SPS & I was emailed document received from SPS stating XX/XX/XXXX they had them.Today XX/XX/XXXX I was told by SPS that they never looked at any of the new loan modifications in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX nor again in XXXX even though I was told that they were reviewing them. SPS also knew that by adding fees & interest to my loan totaling {$39000.00} that the home value would not appraise with the previous mortgage broker who was also trying to refinance the property with my husband on the loan this time. The Relationship manger I just spoke to the 2nd time today said they would rather foreclose on me and have me file bankruptcy to stop the sale date of XX/XX/XXXX at XXXX XXXX on the property a few days before XX/XX/XXXX. My income has increased and I'm willing to take on the debt of the home as it stands now SPS would end up taking us to evictions court and paying cash for keys. I filed BK in XX/XX/XXXX and the house was put in it because they refused to honor a proposed trail loan mod from XX/XX/XXXX that I couldn't pay until we got an IRS Levy released that was put on us mistakenly by a new IRS Agent who was not qualified for her job and ended up being fired for the hardship she caused my family by placing levies on our bank account, my two jobs, my husbands we had to go on food stamps until my parents loaned us money to get Attorney XXXX XXXX to step in and demand that the IRS release our funds back to us. If the FC goes through on XX/XX/XXXX it will not go on my credit but all the time and effort and our home will be gone unless I waste money to go file BK just to make SPS give me a loan mod I know they way they do them now that my income is enough to qualify. They have been saying since XX/XX/XXXX that I'm missing documents or that they never received them. I uploaded them to their website under my account and I can log on and see them still and I also have all the emails where they send you a verification that documents have been received. This company doesn't even want to try they tell CFPB one thing and actually do nothing. DO NOT REPLY - Select Portfolio Servicing, Inc. ( SPS ) XXXX has received your request via email. *** ( This email address is for the receipt of communications only. You will not receive a reply via email. All responses will be sent in writing by U.S. mail or a return phone call from SPS. If you have any questions or concerns please contact us at ( XXXX ) XXXX. Representatives are available XXXX-XXXX XXXX Monday through Thursday, XXXX-XXXX XXXX on Friday and XXXX-XXXX XXXX on Saturday, Mountain Time. You may also visit our website : www.spservicing.com. This message has been sent automatically. Please do not reply. )
Product: Checking or savings account

USAA closed my account because it was overdrawn according to their members handbook I had 41 days to get it current. Firstly the reason that it was overdrawn is that a disputed item was returned per USAA and no letter was sent and I have not received one as of yet. The account was overdrawn when the disputed item was returned when I called on XXXX XXXX we discovered that the 1st returned item that was disputed should not have been taken back out of the account and that the dispute was found in my favor. When the 2nd disputed item came through on XXXX XXXX this should have been the original date that the account went negative. USAA representative acknowledged this and escalated to get the 1st disputed item returned to the account. They agreed that it was their issue as to why the account was negative and had they not messed up the account would have not been negative until the other item came through on the XXXX. The account was closed and we have asked the account to be reopened as it was their fault in the first place and they agree that given the new dates the account should not have been closed on the XXXX as it was only 21 days past the correct overdraft day of the XXXX. We have waited for this to happen and it still has not happened. They closed this account per them against the members policy and have done nothing to reopen the account.
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. 
account name 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. 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 : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX Balance : {$51.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$590.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX ( Original Creditor : 11 XXXX ) 142
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax Dispute team about XXXX weeks ago, concerning a misinformation on my credit report, which is fraudulent. I requested, it to be removed. However, they ignored my request. The alleged account ( XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX ) that is claimed to be owed was paid in full, after XXXX years. Per banking LAW states, All wagering monetary contracts are paid in full, after the third year of the initial signature ( XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX. ), anything after those XXXX years is purely fraud. This con-tract was paid in full by the interest XXXX XXXX wrote against my assets account. On top of a secret lien they placed on my personal private property, which still in affect, illegally and unlawful. The Comptroller General of the United States Government settled both accounts, issuing a Certificate of Settlement to the officials at those two corporations. These alleged debts were obligations of the United States Government, XXXX XXXX. 
15 U.S. Code 1691a ( 6 ) states, 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. It is against the LAW & it's forbidden to collect on an alleged debt for someone else other than that original, who is collecting his own debt, under the same name of his own. This indicates that a third party ( stranger ) is attempting to collect on an alleged debt that's does not belongs to them. This is a great violation. Equifax in the background allegedly conspiring to defraud XXXX XXXX as well as the United States of America for attempting to collect on a debt ( XXXX ) that was already paid in full. Now, XXXX and XXXX have updated their system after I informed them both, even Equifax but they refused. I refused to be used as collateral for any corporations bonded instruments. I refused to used what society called " Money '' the Federal Reserve Notes, which is a debt instrument, because I refused to be indebtedness to any foreign fiction entities, knowingly, there is no money in this country, only " CREDIT ''. I refused all underwritings, I refused to be an undersiger as well for these corrupted organizations CON - TRACTs out here.
Product: Credit card or prepaid card

Dear Sir or Madam, This letter is a sincere request for your help and consideration. Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains two late payments reported on XXXX and XXXX for my Account. 

I want to sincerely apologize for the delay. Unfortunately, my family and I have faced an extraordinarily challenging time. My wife and XXXX of our XXXX children fell severely ill, requiring my full attention and care. This unforeseen situation caused a significant disruption in my income, making it difficult to meet my financial obligations. 

I assure you that this was an isolated incident, and I have learned valuable lessons from this difficult experience. I am now in a more stable situation, and I have taken the necessary steps to address my financial obligations. I have resumed regular income, and I am committed to making timely payments on my loan moving forward. 

I genuinely value the relationship I have with Bank of America since 2016 and have always strived to meet my financial responsibilities promptly. However, the circumstances surrounding my family 's health crisis placed an enormous burden on me, both emotionally and financially. I am hopeful that you will consider my request for goodwill consideration and help me restore my financial standing. I believe in your commitment to customer satisfaction. 

Thank you for taking the time to read my letter and for your understanding. I eagerly await your response and look forward to resolving this matter amicably. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not allowing me to log into their " free website '' to check my scores and make necessary disputes. I have submitted disputes from months ago but still have yet to get an update on my score or address the incorrect information on my credit report. 

I need access to my information without being forced to pay for something when it is free. 

I submitted disputes regarding hard inquiries that weren't authorized. Also there are medical collections on my account which is a HIPAA violation and insurance already paid for it. 

my score dropped XXXX pts for no reason
Product: Credit reporting or other personal consumer reports

I requested information via email through dispute. I first contacted experien, then I contacted XXXX XXXX XXXX both by email and phone I have requested the other party provide the necessary information regarding I claimed a late/delinquent payment I also requested the original documents of my signature. I never approved for XXXX XXXX XXXX  to even have my information. I have a credit freeze in place on experien and they have violated my trust and a breach of contract by allowing my information freely and incorrectly.
Product: Mortgage

I applied for a home loan with Better mortgage received my preapproval XXXX was set to close XXXX. I own XXXX XXXX but I receive W2 income and my middle credit score is a XXXX. My loan officer XXXX XXXX along with the processor working on my loan file was very difficult to work with, for one they never answer the telephone, never return calls and do everything via email with of course two to 5 day delays in between. They have asked for repeat documents that were sent to them 3 and 4 times. I sent in my W2 's, current paystubs, bank statements showing my income yet they continued to ask for business documents which I also provided on numerous occasions. I provided the profit and loss statement for the business showing the income that comes in and goes out along with the balance the business currently has which is my operating income. There is no negative income balance on the XXXX XXXX & XXXX and again I am a paid employee of the business. Payroll documents were never asked for but I did provide my paystubs, and W2 's. My LO asked me for the bankruptcy documents which I immediately provided showing my chapter XXXX discharge was over 10 years ago, I also provided the documents showing the house that I owned at the time was given back to the bank in the chapter XXXX not foreclosed on. My LO missed my closing date of XXXX by coming back asking for repeat documents once I provided the documents and asked for my new closing date he wouldn't reply and neither would the processor. I emailed them both along with the manager on the email who also never replied to my emails. Only to receive a letter via email last week stating my loan has been denied due to insufficient income, which is a lie. This company is unethical, unprofessional, and use dirty tactics to bring in business off of expectations they know they can't meet causing me much pain and suffering and loss of deposit funds, inspections etc. Based on my personal bank statements, paystubs, W2 's and tax returns you can see I have more than enough income to support the loan. I would like a copy of the LO worksheet used to pre-approve me along with the XXXX findings. I would also like a copy of the underwriters income worksheet that shows my debt to income ratio to support the denial.
Product: Mortgage

Hi, My name if XXXX and I reside at XXXX MD. XXXX.I applied for a mortgage modification Loan with Ocwen Loan Servicing in XX/XX/XXXX. During this process Ocwen has made me apply for this modification twice in the name of not receiving the proper documents they need. I have also complied email of documents with I have sent from both emails of mine. I have a list XXXX emails of documents that I have sent on more than two occasions on supposed missing documents. I believe on XX/XX/XXXX I spoke to a Supervisor not an account Manager name but a supervisor with the name XXXX who I expressed my frustration of the process to have n't sent documents over on everything more than three times times and also to make sure that I was not scheduled for foreclosure. He assured me that I i did not have a foreclosure date and that I soon as they have everything need I will not be scheduled for forcefulness until I am fully reviewed for a modification more especially since I have never applied and also have n't been fully reviewed. He made me send the documents again and he personally called me to let me know that they have everything and I will be reviewed for a modification. 
I recently received a mail from an law company advising about a foreclosure on my property. I was very upset a reached out to Ocwen. I spoke to a gentleman name XXXX with Employee ID XXXX who assured me that there was no foreclosure date set. He guaranteed me that, that should not happen. I called again days later after speaking to Ocwen representing counsel who stressed that I am scheduled for foreclosure on the XXXX of XX/XX/XXXX. I called Ocwen again and spoke to one from their Escalation team name XXXX employee number XXXX. Which again assured me that there is no foreclosure set date. H e promised to have a supervisor call me on XX/XX/XXXX, but I received no such call. It seems to me Ocwen is looking for a reason not to give me a modification and then take my house from me and my family. I will also attache the numerous email. Can you guys please hep me keep my house for me and my family. We make enough to qualify for a mortification but yet are not even getting a chance to be reviewed.I also had a prevoius complaint whith complaint number # XXXX