23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or around XXXX XXXX, 2015 we ( my wife XXXX and I ) contacted Bank of America ( BoA ) regarding refinancing an investment property, the mortgage of which is currently serviced by XXXX. At that time it was suggested by the BoA representative that I refi the mortgage of my primary residence ( held by BoA ) as the home had likely increased enough in value to render PMI unnecessary. We agreed and immediately began sending the requested documents for both properties while BoA ordered appraisals for both properties. One of the items they requested was a copy of my most recent 401K statement which I provided. Then they asked for a copy of the 'terms of withdrawal, ' which I copied from the XXXX website and faxed to them. They said that was only the 'hardship ' terms of withdrawal and that they needed the entire text of the withdrawal terms. I called XXXX and they said that information was not available online and that they would mail me a plan description with that information. Time was running out for my rate-lock. The 401K booklet arrive and I copied the requested text from the booklet and faxed them that information. Then they said, 'we need all of the terms AND withdrawal. ' I told them that if they needed the entire text of the booklet, not just the part about withdrawals, they should have asked for that. If they wanted all the info about the withdrawal terms, they DID have that. Concerned that I was going to be unable to satisfy the never ending document requests I contacted several other lenders to see if they would use the appraisal for which I had just paid {$600.00}. None would, all stating that they would need to order a new appraisal. In frustration I called the appraiser who had done the appraisal for to see what other lenders they provided appraisals for in the hopes that I could find an institution that would use the BoA ordered appraisals. I was informed that they ONLY did appraisals for BoA!!! In anger I told the loan officer to just forget the loan for the primary residence and to try to complete the rental home loan for which the document requests had been satisfied. So now I am out {$600.00} for an appraisal that no one else will use despite providing all of the document request for which I was asked. I am thinking that my present mortgage is an FHA, as the loan was made via the XXXX program.
Product: Credit card or prepaid card

- Charged by a business on XX/XX/23 to my Capital One Venture card. 
- Business did not provide agreed-upon services by agreed upon date XX/XX/23. 
- Capital One reversed the charge on XX/XX/23 and dispute was started. 
- Captiol One re-charged me on XX/XX/23 in favor of the business. 
- Business is providing the charged receipt in their system as documentation and submitted XXXX sentence that the charge was valid. I've given Capital One multiple emails between me and the business to of me attempting to resolve the charges the business and receive the paid-for services. 
- Capitol One seems unable to provide specific information on what I need to document to win the case. 
- Capitol One has not provided me with proof from the merchant that described services that were rendered. 
- Contacted Capitol One to verify they received the documents I provided and I was requested to provide more documentation while the business has no burden of proof to take my money.
Product: Mortgage

I contacted PennyMac on XX/XX/XXXX th approx for consultation on what would need to be done to eliminate the Mortgage insurance of {$60.00} per month. I was told that the Mortgage to value needed to be at 78 % in order to remove that insurance and that I was at approx 81 % ... that at the current rate the Insurance would drop off in 4 to 5 months. I asked if I paid additional principle with the next payment that would take me below the 78 % - would that do it. The appraisal at the time of the original load was {$280000.00} I was informed that it would, but to be certain that the Mortgage insurance was removed that I should call back and follow up after the payment. My wife added an additional {$1100.00} to the payment on XX/XX/XXXX to be applied against principle lowering the balance below the threshold. This was applied to our account on XX/XX/XXXX This brought our principle remaining to approx {$210000.00}. 77.96 % When I called back today XX/XX/XXXX, to make sure the Mortgage Insurance was eliminated I was referred to the Insurance Department who informed me that I was " misinformed '' and that in fact, the only way I could get this done was by paying for a new appraisal and only then would this be considered. Also, she informed me that they considered the 78 % against the sale price of {$250000.00} as opposed to the Appraised price of {$280000.00}. This is unacceptable and a fraudulent misrepresentation. The person I spoke with today said she would provide a message to her supervisor that I wanted a call back and, as anticipated, I have not received any.
Product: Debt collection

In mid XX/XX/XXXXI got really sick I had 3 XXXX 2 XXXX, one XXXX. I have two credit cards one w XXXX XXXX & XXXX XXXX I contacted both companies and explained to them that I had been sick and XXXX as a result of that I was left broke bc I couldn't work. So they both said that they offered a hardship program for people like me and that it was stated in the contract when I received my card. They informed me to mail proof of my medical condition, I sent them a XXXX page report detailing all my XXXX XXXX XXXX and Dr visits along w a letter explaining my situation. I got a letter back from The XXXXXXXX XXXX company saying everything is good and the voided my debt, ( I'm including a copy of that letter incase it helps ) I never received anything From XXXX XXXX  so I assumed that if XXXX XXXX excepted everything. XXXX XXXX  would too bc it was the same exact paperwork sent at the exact same time apparently they didn't bc now they are suing me Using a company called N.A.R which I think stands for N American Recovery its posted all over my credit report I called XXXX XXXX  And they gave me the run around and was very rude and their hold times are hours long to rude customer service you would think w all this covid 19 pandemic they would be nicer and more coorperative
Product: Credit card

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTON 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD/ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 
PAYMENTS HAVE NEVER BEEN LATE. PLEASE UPDATE REPORTS TO SHOW XXXX XXXX ON TIME PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The taggings and remarks are inaccurate. All I am asking if a valid report because it affects my scores badly.
Product: Credit reporting or other personal consumer reports

Transition, XXXX and Experian all single investigations into the disputes made by me on my credit reports of false and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In accordance with the fair credit reporting act XXXX  2. M & T banks, 3. XXXX XXXX 4. XXXX XXXX XXXX, 5. XXXX, 6. XXXX XXXX, 7. XXXXXXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXXXXXX XXXX, 10. has violated my rights.

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  : Account # XXXX, has violated my rights. 

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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Reported Late Payments and Request for Investigation Process Explanation Dear CFPB, I am contacting you regarding inaccuracies I identified in the reporting of late payments for my XXXX XXXX XXXX account. These errors negatively impact my credit profile, and I request an immediate investigation and correction. Below are the account details and specific discrepancies : Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$3100.00} Balance Owed : {$0.00} Credit Limit : {$2800.00} Account Status : Open Payment Status : Current Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date XXXX : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Last XXXX : XX/XX/XXXX ( TransUnion, XXXX ), XX/XX/XXXX ( XXXX ) Discrepancies XXXX : Late Payments Reported : TransUnion : XXXX XXXX payment for XX/XX/XXXX, XXXX late payments for XXXX and XX/XX/XXXX. 
XXXX : XXXX late payment for XX/XX/XXXX, XXXX late payments for XXXX and XX/XX/XXXX. 
XXXX : XXXX late payment for XX/XX/XXXX, XXXX late payments for XXXX and XX/XX/XXXX. 
Inconsistent Reporting : The payment history provided by the credit bureaus is inconsistent with my actual payment records, which confirm that all payments were made on time as per the terms of the account. 
The account status remains " Current '' across all three credit bureaus, which contradicts the reported late payments.

Supporting Evidence : I have attached copies of my payment records along with the relevant sections of my credit report to highlight these discrepancies. These documents clearly demonstrate that I have fulfilled my payment obligations on time.

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Additionally, credit reporting agencies are required to conduct a thorough investigation of disputed information and promptly correct any errors as per 15 USC 1681i.

Requested Actions : Correction of Errors : Update the payment history for this account to reflect " Paid As Agreed, Never Late. '' Investigation Details : Provide a detailed description of the investigation process conducted, including the steps taken to verify the accuracy of the reported late payments.

Proof of Late Payments : If the late payments are found to be accurate, provide verifiable documentation supporting this claim, including dates, amounts, and communication records. 
Please address this dispute within the 30-day timeframe stipulated by the FCRA. Failure to do so will be considered a violation of my consumer rights. I trust that you will handle this matter promptly and ensure the accuracy of my credit report. 
Thank you for your attention. Should you require any additional information, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Mortgage

I have been grossly fraudulently misrepresented, mislead, bamboozled, in addition to having my identity, and social security number compromised by Finance of America, it's mortgage broker representative ( XXXX XXXX ), and his assistant ( XXXX XXXX )!!! 

I applied for a mortgage refinance on XX/XX/XXXX with Finance of America ... documentation requested, and provided included the attached documents : Copy of my driver 's license/social security card ... 1 month paystub ... XX/XX/XXXX tax returns ... XX/XX/XXXX tax extension ... XX/XX/XXXX/XX/XX/XXXX W2 's ... property mortgage statement ... rental agreement. 

I have even consented to providing the opportunity to Finance of America, and it's representatives to right the wrong that has been performed, and they still continue to fumble, and stumble, and continue to have done NOTHING but exhibit a fraudulent negligent ineptness which is still to this day taking place with XXXX XXXX stalling, and not being able to fulfill the task responsibility of getting the loan process properly completed, and closed in a timely manner.
Product: Debt collection

XX/XX/XXXX XXXX I called Called customer service to request documentation of a charged off account from XXXX which had been settled. I specifically asked for documents that showed the dates and amount. I was transferred to recovery services and spoke with a representative that stated that the document would be sent out via postal mail within XXXX XXXX 

XX/XX/XXXX XXXX No documents received- I called recovery services again to request the same documents and spoke with XXXX XXXX and was told I would receive the documents via fax as well as postal mail. I should receive both -Fax within XXXX XXXX, postal mail within XXXX XXXX 

XX/XX/XXXX I called recovery services and spoke with a XXXX. XXXX XXXX XXXX, and requested the documents again via fax as well as postal mail. 

XX/XX/XXXX received a letter stated that I completed a settle with no dates no amounts. 

XX/XX/XXXX Called customer service - Spoke with XXXX to ask who could provide the documents with the details requested, and was told to contact recovery services and given a number which led me back to customer service again. I then spoke with XXXX and repeated the same story and requested information, but not able to be put in contact with anyone who actually has the requested documents.
Product: Debt collection

FirstSource Advantage LLC, illegally bought an unknown debt from XXXX XXXX, They have no Authority. I do not have a legal binding contract with Firstsource Advantage LLC nor do I wish to contract with them. They are violating mail fraud laws, XXXX laws, Violation of my right to privacy.
Product: Debt collection

I received notice from Professional Credit Services from XX/XX/XXXX. They show that they are charging interest on an old cell phone bill with XXXX XXXX. supposedly I only owed {$36.00} on XX/XX/XXXX but Professional Credit Services has  been charging 9 % interest on this account. I never signed a contract regarding interest to be added to my old phone bill. My contract that I signed was with XXXX XXXX. Late fees and other service charges were added to my bill but interest was never discussed. I certainly never signed a contract allowing a collection agency to add interest to my account. In XX/XX/XXXX, I began paying on this old bill. As you can see from Professional Credit Services as well as the printout from my payments through XXXX to Professional Credit Service, I have paid a total of {$200.00}. This is above and beyond the {$36.00} that I owed to XXXX XXXX. I feel that this account has been over paid and they owe me money. I only received notice recently of the interest that they have been charging and how much is going towards the principal. 

I feel that I do not owe this debt. I believe that the collection agency should not be allowed to charge interest without my knowledge. Collection agencies should not charge interest without a written contract with the debtor. Please refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I discovered about this Comenity BankXXXX Credit Card which was charged due to missing payments on my XXXX XXXX. I have absolutely no clue of any information associated with that credit card as I never applied or even opted for that. I just have XXXX active credit cards which are on my report and in good standing. This charge needs to be taken off from my XXXX XXXX as it is clearly not me. I dont recognize the card number or the account number and whats more suspicious is that there is no phone number stated for that account on XXXX to which I can call to. I have already filed dispute with XXXX  which came out to no conclusion and again called their fraud department today to please look further at it as this is not my credit card and is affecting my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my correct information because I'm not able to see my Credit report with XXXX
Product: Debt collection

They keep calling my company 's office line and hanging up. When called back, they say they are not calling us, agree that we do not have a debt with them, but say they do not use a do-not-call list and will not stop calls to our office phone ( which they also say aren't happening ). They have called us multiple times per week and it is tying up our line from important calls from clients.
Product: Credit reporting or other personal consumer reports

According to 20 USC 1232g ( b ) ( Family Educational Rights and Privacy Act ), its federal law that my student educational records are kept private. This includes any private or public elementary, secondary or post secondary school.
Product: Student loan

Navient has been calling me for years from different numbers, including after they were blocked. They keep calling for a person that is not me ( I don't have student loans ) I have called them back to let them know they have the wrong person but it seems never to get changed and I continue to receive calls. There seems to be no recourse if they call the wrong person, and even if I was the right person, it seems terrible to be calling that often ( multiple days in a row ).
Product: Checking or savings account

On XX/XX/XXXX, I transferred {$25.00} out of my checking account that had sufficient funds with Suntrust Bank, now ( Truist Bank ). The transfer was in the form of a check made payable to XXXX XXXX, with my name at the top of the check as XXXX XXXX. The problem is that I never received the check in the mail until XX/XX/XXXX. The check had my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX which is correct, however when I called Sun trust bank today XX/XX/XXXX in regards to the check being returned, I was given a false reason from a customer service representative who was unclear and not forthcoming in his explanations of why the check was returned. He also stated that I had insufficient funds on XX/XX/XXXX, which is clearly a lie because I made certain that account had funds to cover the transfer. I want Suntrust Bank to refund me my {$25.00}. Suntrust is not transparent in their business practices and is attempting to rob me of my monies including attaching excessive and illegal fees to my account. I need your help to obtain my money from this shady bank. I believe this bank intentionally waited four months to send me my money in attempts to cheat me.
Product: Debt collection

I am requesting a validation of debt for account # XXXX. I would like a complete summary of charges/payments included with this dispute.
Product: Credit reporting or other personal consumer reports

I SUBMITTED SEVERAL DISPUTES TO THE CREDIT BUREAUS AND THEY REFUSE TO REMOVE FRAUDULENT ACCOUNTS ON MY CREDIT FILE AS WELL AS PERSONAL INFORMATION THAT IS NOT MINE THIS IS NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THIS IS NOT MY SOCIAL SECURITY NUMBER AS WELL ENDING IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is refusing is in violation of the FCRA and refusing to remove outdated data from credit reports unless forced. TransUnion continues to violate 15 U.S.C. 1681, even though their computerized systems allow them to update and drop outdated datsa from consumer files YET they refuse to do causing consumers to constantly do their job for them. 

TransUnion keeps inquiries on credit reports beyond the two year mark causing damage to credit scores and financial damage to consumers including myself. 

I am seeking punishment of TransUnion by the way of civil penalties, fines, class actions status, and administrative sanctions, up to and including restrictions of TransUnion from conducting business in the United States for a period of ten years for repeated violations of the FCRA. 

TransUnion has been very dismissive and blatant with their violations of the FCRA and continue to violate the law because this agency has been lax with enforcement of the FCRA AKA Fair Credit Reporting Act 15 U.S.C. 1681. 

The following data is still being reported in violation of the FCRA by TransUnion on my credir report : Inquiry 169 Inquiry Date - - 2015XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry 170 Inquiry Date - - 2015XXXX Creditor Name - - XXXX  Creditor Address - - XXXX XXXX XXXX XXXX XXXX DE, XXXX Creditor Phone - - XXXX Inquiry 171 Inquiry Date - - 2015XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry 172 Inquiry Date - - 2015-XXXX-XXXX Creditor Name - - XXXX XXXXXXXX XXXX  Creditor Address - - XXXX XXXX XXXX XXXX MN, XXXX Creditor Phone - - XXXX Inquiry 173 Inquiry Date - - 2015-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX OH, XXXX Creditor Phone - - XXXX Inquiry 174 Inquiry Date - - 2015-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry XXXX Inquiry Date - - 2015-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX. XXXX TN, XXXX Creditor Phone - - XXXX Inquiry 176 Inquiry Date - - 2015-XXXX-XXXX  Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry 177 Inquiry Date - - 2015-XXXX-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXXXXXX XXXX DE, XXXX Creditor Phone - - XXXX
Product: Debt collection

XXXX XXXXXXXX XXXX XXXXXXXX did not work for several days in XXXX of XXXX. I called and emailed several times about lack of service. In XXXX I cancelled all services after paying my final bill and promptly returned all equipment. I then received the first notice from a debt collector Harris and Harris on XX/XX/XXXX telling me I must respond by XX/XX/XXXX. I wrote back to them on the statement they sent me explaining the above. Within a week they had filed a collection on both my XXXX and XXXX credit reports which resulted in my credit score being dropped by over XXXX points. 

This is not a valid debt and I seriously question the methods this collection agency used by late mailing and placing the debt onto my credit reports BEFORE I could communicate with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity and 3. Date opened which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name TransUnion XXXX XXXX High Balance {$5800.00} {$0.00} {$5400.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my ID and Social and later used it to open the following account : XXXX XXXX  XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Amt. XXXX Please include my Police Report and Identity Theft Report that you have on file to the Dispute.