23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

NORTHWEST BANK ARE NOT WORKING WITH ME TO KEEP MY HOME I HAD TO FIGHT FOR SO LONG TO GET AN FORBEARANCE. THE NORTHWEST BANK COMPANY FINALLY ALLOWED ME TO HAVE THE FORBEARANCE AFTER MUCH FIGHTING & PLEADING, BUT SOON AFTER IT WAS OVER THEY ANNOUNCED I MUST PAY THE ENTIRE FORBEARANCE BACK OR FACE FORECLOSURE. THE OTHER OPTION IS TO FILL AN APPLICATION IF APPROVE MY OPTIONS ARE : REINSTATEMENT : LUMP SUM PAYMENT REPAYMENT PLAN : MODIFICATION : MUST HAVE AT LEAST 12 PAYMENTS-MUST HAVE ABILITY AT MOD SHORT SALE : DEED IN LIEU OF FORECLOSURE : WHAT IM TOLD I COULD GET BY ONLINE SOURCES FOR FORBEARANCE REPAYMENT OPTIONS FOR CONVENTIONAL MORTGAGE HOLDERS ARE THE FOLLOWING : LENGTHEN YOUR LOAN TERM : and pay off the missed amount at the end of the extended loan term, via additional mortgage payments PAYMENT DEFERRAL : This option lets you pay off the missed amount when. The home is sold or refinanced THEY GIVE ME LESS THAN A MONTH BEFORE THEY FORECLOSE AND MY FORBEARANCE ENDED IN XXXX - IS THIS LEGAL AND ACCEPTABLE DURING AN PANDEMIC? IM CONFUSED AND SCARED I APOLOGIZE FOR THE CAPS PLZ FOR FORGIVE
Product: Credit card

In XX/XX/year> I was informed this credit card was opened fraudulently by someone. I contacted the credit bureaus to freeze my credit reports and also filed a police report. I tried to contact Citibank who owns the card and they would not help or say they don't have an account with me. Yet they sent a letter saying I was being sued for the amount due. I sent all my documentation to them including ftc affidavits, police report and letter asking for more information. I received nothing. I was later served papers for small claims court by their attorneys XXXX and XXXX and have been fighting this for months. No one will give me info on the name phone number email etc who opened this account. The attorneys said an investigation was done but have not given info on that to me. This is not my account I opened and want it removed and my name cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my Trans Union, XXXX and XXXX credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.
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 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 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.
Product: Credit reporting or other personal consumer reports

I request your assistance in resolving an issue with TransUnion Consumer Solutions. I am concerned about their failure to properly address my dispute regarding an unauthorized hard inquiry on my credit report. 

On XX/XX/XXXX, I discovered a hard credit inquiry listed on my TransUnion Consumer Solutions credit report that I did not authorize. This unauthorized inquiry has negatively impacted my XXXX XXXX. 

I contacted TransUnion Consumer Solutions on XX/XX/XXXX, and again on XX/XX/XXXX, to dispute this unauthorized inquiry. Despite providing all necessary documentation, TransUnion Consumer Solutions failed to conduct a proper investigation and did not remove the inaccurate inquiry from my report.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I heard about the Equifax hack last week. I went to the internet site to determine if my information has been compromised. Each time I attempted to get information from their site, their site application hung-up, froze, I called and was told the site was overloaded. I suggested they make more resources available to handle the requests. Several days passed. Site still hangs. I tried to call several times and now get disconnected. I want to know what the status of my exposure is because of Equifax 's error.
Product: Debt collection

In XXXX of XXXX, our car that we had financed through Credit Acceptance Corporation was involuntarily repossessed because of a bank error causing our payment to be one day late. They placed the car in a claiming lot that would charge us {$500.00} to get it out, after the payment was made. We could not afford to do that so we let the car go. A few months later we did receive an official letter from CAC stating the car had been auctioned and that we owed {$8700.00}. We contacted the number on the paper. We do not have the paper still and made arrangements to begin paying the debt in the amount of {$100.00} a month. We continued paying through XXXX of XXXX, when we became aware that CAC was not reporting the payments to the credit bureaus. We had never been able to obtain a letter stating how much remained of our debt even though we requested it at each payment over the phone. My husband made several attempts to speak to a CAC representative about our account but no one could provide us with any information. He was finally able to connect with a manager in the collections department who found out our account had been closed at some point without our being notified. When we asked what had been happened to our payments she had to investigate. It took over a week and she informed my husband when he called that the money was sitting technically in this closed account in limbo. The remaining balance of {$7600.00} never fluctuated after our first year of payments began. The money sitting in limbo was never applied. She ( the manager ) told us another account had been opened for us but was being closed due to inactivity. We had never been informed about the account. This manager also told us that we would likely see a check with that money being returned within 6 months. We never received the money. She stated to my husband that she could not send him anything in writing as she was not allowed. The account showed as closed soon after XX/XX/XXXX and we had no activity on it until XX/XX/XXXX, when CAC suddenly posted on our credit report that we had missed a payment that month. We are not disputing that money was owed. We are disputing that the account was suddenly opened to report a late payment in XXXX and that the money we had been paying, which we had never been able to find out how much that was, was never applied to the account or returned to us.
Product: Mortgage

i pay the principal now i reach 69.75 %. 

they said to remove the pmi need reach 65 % my loan is conventional. 

they said : Currently your LTV is 69.75 %. Additionally, and your loan is seasoned less than two years. As your loan secures an Investment property and/or Multi-Unit property, the LTV must be at 65.00 % or less to qualify for PMI removal XXXXased on the Original Value of your loan, via paying down the principal balance of your loan. 





If you wish to proceed with removal of PMI, you have the following options available : Original Value Removal Option You may pursue PMI cancellation based on the Original Value of the property determined at closing. You can make a pay-down towards the principal balance of your loan to reach the required 65.00 %. As of today, the required amount needed to reach the required 65.00 % for PMI removal is {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove the following bankruptcies from my Transunion and XXXX credit report that have been failed to be validated. I have reached out to Transunion and XXXX on multiple times. XXXX has removed the bankruptcies due to them not validated. I have been trying for over 2 years. Please help me, as I feel that I can't get anywhere. 

XXXX XXXX  Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account name 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 1681 section 604 A : its also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I received a call on my cell phone and my work phone and my mother received a call which is transcribed below. The caller had no information regarding what this was about. I called the number requested for a XXXX XXXX XXXX and was advised that in XXXX I had a Capital One Credit Card that was not paid and they are using the " tolling agreement '' in the contract to pursue recovery. I have never had a credit card with them, nor have I ever had unpaid credit card. I also have never had this account on my credit repot. I called Capital One and they said they I never had an account with them. They refused to provide me any information on who sent this debt to be collected citing an " NDA '' with the acquisitions company and told me if I didn't pay in arbitration suit would be filed however they could not provide me with the info for the attorney that would allegedly be handling this suit.They also said it was verified XXXX XXXX however I just ran an XXXX report and it is also not there so this XXXX and XXXX Co is clearly assisting their client in commiting fraud. 


Hi, good afternoon. This is a courtesy call intended for XXXX XXXX. My name is XXXX XXXX. I am a notification clerk for Document Services. This message is to notify you of a pending complaint that has been reported failure to respond to a 30 day notice issued out to your home address. Contact must be made on your behalf today. It is XX/XX/XXXX. To prevent moving forward with the filing process with or without your acknowledgement, please contact the issuing office today. Their telephone number will be XXXX. Reference number will be XXXX for XXXX XXXX for XXXX XXXX. For further information. This notification has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS REGARDING THE ACCOUNT LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT.

YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA.

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX. XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX.
Product: Mortgage

This is an addendum and correction to complaint number XXXX. I made a mistake when I stated on XX/XX/XXXX at XXXX XXXX  Pacific time I received a phone call from XXXX XXXX ( see attachment 10 ). I meant to say on XX/XX/XXXX t XXXX XXXX Pacific time I received a phone call from XXXX XXXX ( see attachment 10 ). 

We spoke for 8 minutes and 37 seconds. She never mentioned an additional amount due, sated in the letter on XX/XX/XXXX ( attachment 9 ). She said that underwriting had received all of the documents and everything was fine. 

Please note ( attachment 11 the XXXX envelope and the tracking number information shows that the letter dated XX/XX/XXXX attachment 9 was sent the next day on XX/XX/XXXX after I spoke with XXXX XXXX see attachment 10 for 8 minutes and 37 seconds. I understand that the calls are recorded. I would like a copy of that conversation. 

XXXX XXXX is the person on most of the documentation that I have received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account showing on my report with all 3 credit co., is XXXX XXXX XXXX acting as a debt collector, the last payment was XX/XX/2014 that makes it over 7 years old, called all 3 companies and they have refused to remove the item, this is my right to have anything more than 7 years old to be deleted from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, and transunion and they failed to respond after 45 days I sent more letters to look into then matter and explained because of non response the items need to be removed.
Product: Mortgage

Chase used my escrow in XX/XX/XXXX to pay off my mortgage a month early in full leaving two of my property taxes unpaid without our knowledge or permission. I learned about this around XX/XX/XXXX because Chase sent us a letter. We were scheduled to pay off the mortgage in XX/XX/XXXX, which would have left remaining escrow to cover the taxes. The monthly P & I is approximately {$780.00} and they paid out approximately {$680.00} in escrow to cover the loan on XX/XX/XXXX, which was the day after my XXXX payment was made. Their internal investigation yielded that CFPB 1024.34 was not violated in any means because they could do this with escrow, and it is considered a common practice. We paid off our 30 year note in about 14.5 years. 
I believe that this is a stretch of the regulation at best, and if not, completely unethical.
Product: Checking or savings account

XX/XX/year> my checking and savings account was closed without notice or warning. No reason was given due to terms and conditions. Now forced to wait XXXX business days to get my money from the bank by check.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX XXXX XXXX XXXX  XXXX. The late payment in question is reported by TRANSUNION for the period of XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( 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 the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Checking or savings account

Hi on XX/XX/2023 my chime account was hacked, I left the the gas station and left my card there, on the way back I looked up the number to chime and got a rep on the phone, I asked them to lock my card because I left it at a gas station, the man said he would, a few minutes later I found my card and asked him to unlock it, he then told me that I had to follow his directions and he would put my money back onto my card, he then had Mr put an app on my phone called XXXX, then before you know it I could physically see that he was entering an email address and moving my money from my account, I could see him remotely doing it and I did not know what he was doing, when I asked what was happening he assured me that he was moving my money from checking into my savings, at this point I started to get nervous and hung up the phone and tried calling chime back then the guy I was talking to called me back, I felt like something was wrong so I hung up again and called chime again, when I got somebody new on the phone I told them what was going on and they said that I wasn't talking to them qt all, at this point I knew that I was just scammed, so I asked them to stop the payment and told them what had just happened minutes prior, they told me they couldn't, I it was to late, I explained that I didn't authorize it and that it wasn't me, I opened a dispute and sent them phone numbers that were used and screenshots of the app that was on my phone, I made a police report and contacted the ftc and made a report I the denied my dispute and have denied all XXXX of my rebuttals, I have spent countless hours talking to chime and sending emails and reaching out to get my money back. They keep telling me that they found no error, chime will not send me any info on why or they won't let me talk to the investigation team nor will they let me talk to these fraud department, they just won't give me any info. I also reached out the the bbb, but I don't know what else to do. Can you please help me