23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like to submit a formal complaint against NewRez LLC ( NMLS # XXXX ) for continuously denying my request to remove Private Mortgage Insurance from my home mortgage despite meeting all criteria. 

I made my initial request in XXXX of 2024. According to my XXXX statement, my outstanding principal was {$250000.00}, which equates to an XXXX ratio of 78.1 % compared to the original purchase price of {$330000.00}. After approximately one week, I was told my request was denied with no reason specified. but the specific reason was not specified. When I called customer service, I was told that it was denied because even though I requested cancellation in writing, I did not affix a signature, so it did not count. I then made another request on XX/XX/XXXX, that included a signature. On XXXX XXXX, I was denied again. On XX/XX/XXXX, I initiated a conversation with customer service via chat ( the automated phone system kept sending me back to the root menu ). I was told they cant see why I was rejected but they will initiate another request on my behalf since I am clearly under 78 % XXXX. I have yet to hear back a decision. 

On XX/XX/XXXX, I finally got a hold of someone over the phone. After reviewing my case, they said the only reason they can think of is because the closing documents of my loan had PMI as part of the projected payment in years XXXX - XXXX. They then emailed me the document. 

I am disputing the validity of that reason as the heading for that column clearly says Projected Payment and can not be interpreted as binding. After all, it also says my monthly total payment should be {$1800.00}, and my current payment is actually {$2200.00}. Given that 30 days is their timeline for reviewing and removing PMI, it should have been removed in XXXX. Thus, I should also receive credit for the PMI I had to erroneously pay in my XXXX and XXXX statements. I greatly appreciate your assistance in resolving this matter.
Product: Mortgage

Loan was sold and LoanCare became servicer in XX/XX/XXXX. I had completed a loan modification with XXXX mortgage prior to transfer of loan. Initially LoanCare claimed not to have received my modification papers. After LoanCare claimed they were unable to obtain information from XXXX I bypassed LoanCare and got copies of executed docs from XXXX myself and sent to LoanCare. Next LoanCare sent us new papers to sign that increased our rate. After much time I finally was able to show we had already completed the process with XXXX and our rate was already locked in. LoanCare has still NOT updated our records and fixed our account after 11 months. We are receiving statements saying we are over {$12000.00} past due and no payments have been received since XXXX. We have made payments for every month this year XXXX. Continuous calling, talking to various supervisors etc. has not affected an update and correction of our account. Calls are never returned even after being told we would be contacted. Its been 11 months with an enormous about of time spent to no avail.
Product: Debt collection

I am writing to seek assistance regarding a debt collection matter that has arisen after my XXXX XXXX  bankruptcy in 2006, which was successfully discharged in XXXX of the same year. Prior to the bankruptcy, XXXX XXXX was attempting to collect on a loan that was subsequently included in the bankruptcy proceedings. After the discharge, a new entity, XXXX, began pursuing collection on the same loan, despite its discharge in the bankruptcy process. Recently, I communicated with XXXX 's account manager, informing them that the debt had been discharged in bankruptcy. The response indicated that they did not believe it was the same account, citing a discrepancy in account numbers. However, I am confident that this debt is indeed the same, as evidenced by the matching account numbers for a similar loan listed in my bankruptcy. Complicating matters, both XXXXXXXX XXXX and XXXX XXXX, the companies associated with the original debt, have dissolved, making it challenging to obtain the necessary information to connect the dots. I am kindly requesting your assistance in urging XXXX XXXX XXXX to provide proof of the purchase of this debt. This documentation is crucial for me to continue the tracing process and clarify the status of this discharged debt. I appreciate your attention to this matter and look forward to your guidance on how to proceed.
Product: Credit card or prepaid card

I have been a excellent customer with Capital one for 2 years now and I have always made my payments on time. Back in XX/XX/2021, I had to make an emergency travel to my country so I went online and setup my account on auto-pay so my monthly payments could be deducted from my checking account automatically while I was out of the country. I received confirmation from the system that I was set for Auto-pay. So I left the US thinking I would not have any issue. When I came back this month, I found out after login in my account that the auto pay didn't work and the monthly payment was not deducted. So Now my account has been late and reported to the credit bureaus. I just lost 100 points just for that. I'm in the process of buying a house and I just got denied by my bank because of the impact of that late report on my credit. 

I called Capital one multiples times and the agents I spoke with told me they were going to potentially remove it but will call me back to confirm. Haven't heard from anyone since then.
Product: Student loan

I am receiving calls from Navient from XXXX until XXXX. They call up to six or more times a day and even call me at work when I have ask them many times not to do so. I have tried to work out arrangements but they want more than I can afford. I need relief.
Product: Checking or savings account

I have been trying for over 5 weeks to work with XXXX XXXX to transfer my health savings account balance from XXXX XXXX XXXX to XXXX XXXX XXXX accounts. I have called them multiple times and have been given incorrect information how to transfer my funds. 2 reps told me I could do it by calling and they inform me it will take affect within 24 to 48 hours. However when check my balances it is still not done. I call back and they tell me the transfer did not go through due to errors on their end. Other reps tell me I have to complete and mail back forms which I have also done. Then when I call I am told they have no record of me sending forms. I need your help in resolving this issue and I have run out of options dealing with XXXX XXXX for a simple funds transfer request.

I do not have access to my funds which I need for medical treatment for over 5 weeks!
Product: Credit card

I've paid Apple Card {$1900.00} on my {$1700.00} credit card limit. I paid {$120.00} then {$520.00}. Immediately my account balance was updated. Then I decided to pay {$600.00} and another {$710.00} dollars to pay off as much as I could. Now, there's a hold on my account for up to 7-14 business days. This is not part of the user agreement and every person I have talked to say there's nothing more they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE FURNISHING OR RE-SELLING XXXX  XXXX DATA OR REPORTS, WE ARE IN THE PROCESS OF SUING THEM ALONG WITH MANY OTHERS IN CLASS ACTION LITIGATION FOR XXXX XXXX.
Product: Debt collection

This kind of account is noted as appearing in a bankruptcy. The bankruptcy had been terminated. Make sure to pull off this Bankruptcy from my folder to guarantee that I really don't need to work on my personal rights pursuant to 15 USC Section 1681n or 1681o, which usually needs your compliance along with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax stated that XXXX XXXX and Equifax verified that this account belongs to me, and they have again for the XXXX time modified the information on my file regarding this account. The balance, past due, actual payment, scheduled payment, date of last payment, and portfolio status is constantly incorrectly modified. 

On XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I requested Equifax for " Validation '' of this account not " Verification '' of my name, address from XXXX XXXX which is an account that does not belong to me that they are displaying on my credit report. Not only the account does not belong to me, but the account has also been paid in full as agreed ( See document verification ). This is not a collection account and there is no negative balance. I have spoken and mailed certified Equifax and XXXX XXXX myself several times and they both have not been unable to provide me validation. Instead, Equifax keeps altering the information ( amount due, balances, account status which has occurred over XXXX times. If Equifax verified this account, the information should not have been altered and different each time which occurred XXXX times. 

Furthermore, not only this account is not mine this collection must be deleted, because I " paid in full as agreed. '' By law, its required to delete this account and XXXX agreed to delete all references to this account per agreement ( see attached )
Product: Debt collection

I just receive a collect for any place Ive never lived in, I dont understand why a collection of XXXX $ on my account this is hurting me and my scoring so bad Ive been trying to fix my credit and Ive just been running into to weird problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint to CFPB in regards to Experian and XXXX  Not removing debts on my credit report that are not mine and can not be validated to be so. I am fully aware of the credit bureaus automated dispute computer system where they do not actually validate the debt with a live person rather just update the information if it falls into the algorithms verified pre set parameters. So once again I am seeking CFPB to protect me as a consumer from this type of predatory behavior from Experian and XXXX. 

I once again demand for the accounts from said company below be removed since Experian and XXXX can not provide adequate proof such as original application for the debt. Section 611 ( a ) states that any failure to investigate the incorrect items within 30 days the items must be removed its been will over 30 days and multiple letter sent to the two bureaus. Since neither Experian or XXXX can provide real proof document of ownership of debt they must be deleted immediately or be subject to litigation. 

Note I have attached previous sent letters to both companies. 
I also sent this same complaint letter to the attorney general to help with this unlawful situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX Amount {$3300.00} This account is incorrectly reporting a running balance which is negatively affecting my credit usage. This account is wrong and needs to be deleted off my report. 
XXXX XXXX XXXX This account was paid for and never charged off but is reporting as charge off. This is false. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX credit card accounts reporting false and incorrect late payments XXXX XXXX XXXX XXXXXXXX Incorrect Charge off this was a paid account and i even reopened a new account with them. This is all reporting falsely. 
XXXX XXXX XXXX No account numbers listed, this account is negatively reporting incorrect information and has been removed by all other reporting agencies but this one. 
XXXX XXXX False information and false reporting XXXX XXXX XXXXXXXX False reporting. This is reporting repossessions and late payments on this vehicle. This vehicle is 100 % paid off and in my possession. 
XXXX XXXX XXXX Incorrectly and falsely reporting late payments creating negative marks on my report. 
XXXX XXXX XXXXXXXX negatively and falsely reporting twice on my credit report. this is a against the law XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXXXXXX XXXX XXXXXXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXXXXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me. This has already been removed off all my other credit reports its just this one will not update or properly investigate Also they are incorrectly reporting my name. My only known name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX. Congressional findings and declaration of purpose ( a ) Informed use of credit The XXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Product: Vehicle loan or lease

Theyu refused to fix warranted items, and when I could not pay they locked the computer cause me medical liabilities I tried to settle in XXXX XXXX Second Court in XXXX, La. but they failed to show up at court.
Product: Debt collection

On XX/XX/2019 I and another person signed a sales contract with XXXX XXXX company with the given understanding of our rights to cancel out the contract within 3 business days in which we did sign the cancellation form at the given time the cancellation form was given to us by the XXXX XXXX salesman which did the contract he gave us the cancellation form he also explained we sign it and turn it in if we wish to cancel within XX/XX/2019 after signing the contract we came to a agreement to cancel out so we both sign the cancellation form on XX/XX/2019 forwarded a copy to XXXX as told XXXX refuse to honor the cancellation as agreed to. We called United Consumers Finance and told them about the cancellation but they later reported to our credit bureaus as a open account with them though It was a cancellation. We disputed the accounts as inaccurate information even though we sent in a copy of the Contract we signed with XXXX and the Cancellation for which was given to us by XXXX Representative sign by him and by us to all 3 credit bureaus XXXX, XXXX   and XXXX  still allow false reports damage our credit standings they said that if United consumers Finance tell them to keep it on our credit they has to do it. XXXX was rather rude they allowed one of us to file another dispute and rudely deprived the other person of their equal right to file another dispute as well We was told by a letter sent to us by United Consumer Finance that they will report to all 4 credit bureaus on us and that this will damage our credit that in the future we will not be able to use our credit to purchase a car or home we feel our rights and credit standings as citizen has been violated illegally very awfully by all 3 Credit Bureaus as well as United Consumer Finance company. We feel discriminated against also United Consumer Finance has reported on our credit report as good standing as if we were paying them which we never gave them a dime we told all 3 credit bureaus that they were reporting lies on our account but they still went along with them and did not take fair action. 3 credit bureaus supported United in their wrong doing and they still is at this point. So as far as we are concern XXXX, XXXX, and XXXX is no good to us as Citizens when it comes to justice and fairness What do they Care? Every dispute investigation The credit bureaus updated {$1700.00}. to be accurate in debt to United Consumer Finance reguardless of our documented proof but because United Consumer Finance tell them to leave it on our credit reports they do it XXXX!!! Yes we are seeking help to protect our rights because Credit Bureaus sure don't Wow they team up against you with the bad guys so consumers beware!!!! I would not wish this on my worst enemy
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Last Friday XX/XX/21, I tried to purchase XXXX tickets for my wife and I, and I confess, we don't get out much with XXXX young boys! I was talking to a XXXX XXXX on the phone ( phone number XXXX ), and a request for {$400.00} came into my Chase XXXX account under the name and account of XXXX XXXX XXXX. One mouse click later, the {$400.00} left my account and went into the account of XXXX XXXX XXXX, immediately XXXX disconnected, and his phone number was " no longer in service ''. Both phone numbers and names I have affiliated with the XXXX account are either disconnected or unresponsive now. Based on talking with Chase staff most of the last weekend, it seems I am out of luck.
Product: Credit reporting or other personal consumer reports

I am submitting this to follow up a complaint regarding fraudulent activity on my credit report dated XX/XX/XXXX. After visiting the Federal Trade Commission ( FTC ) website at https : //www.ftc.gov to file an identity theft report. Let me reiterate that, according to FCRA Section 605b, credit reporting agencies are required to remove any items listed in an identity theft report, reference number XXXX. Please find the attached documents to help with the removal of the accounts, inquiries and erroneous personal information on my reports. The following items were opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$330.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX. Under FCRA Section 605B ( a ), credit reporting agencies must remove any items resulting from alleged identity theft within 4 business days of receiving the complaint.
Product: Bank account or service

I was banking with Wells Fargo from XX/XX/XXXX to XX/XX/XXXX. One day i went to my account to withdraw money to find out my money was gone.. I was told that I deposited at check for XXXX and i withdraw the money.. i repeatedly told them i have n't took anything or deposit a check. They told me they will investigate the situation, and to call back in 5 business days. I called and i was told they could not talk to me about my account, something will come in the mail.. nothing never came, i have written all types of letter and still nothing. I went to open another account and they had a nerve to report me to XXXX. HOW?? THEY TOOK MY MONEY AND THAN LIED.. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card was stolen in XX/XX/2020 during shipping that is even before I have received the physical card. It was stolen and some purchases made by someone between XX/XX/2020 and XX/XX/2020. It was then identified by Credit card company and blocked the card. Then the company sent me another card and I have received on XX/XX/2020 and I haven't made any transactions then. 

All the transactions on the stolen card was adjusted by the credit card company except the following one transaction for {$13.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH This particular transaction from the stolen card appeared in my new card statement as a balance I need to pay. 

In XX/XX/2020, I have disputed the transaction first time with XXXX XXXX credit card company. 
In XX/XX/2020, I've got the response from the credit card company saying that they will adjust or remove the transaction in 7 - 10 days but it didn't go away. 
I have called them again in early XX/XX/2020 and they said that the adjustment will be reflected in the XX/XX/2020 statement but it wasn't removed from the XXXX statement as well and also they have reported the balance of {$13.00} as a late payment to credit bureau. 

In XX/XX/2020, I have disputed again, once again they have agreed to remove it from the statement but they didn't do. 
I have called them again and finally they removed the transaction in XX/XX/2020. 

It took almost more than 3 months for them to resolve the issue on their side but the negative mark of late payment is still there in credit report. 

Again I have disputed 2 more times with Experian credit bureau and 1 time XXXX  to investigate and remove the negative late payment mark from the credit report but it was failed again and closed the dispute as information is accurate. 
As of today, it is not corrected yet even after all the disputes with Credit bureaus and credit card company. 

I've been with this issue for 4 months still it is not resolved completely causing huge emotional distress and not able to sleep properly for the past one month especially I'm in middle of my mortgage process now where I see some set backs due to this credit report damage. My monthly mortgage payment is increased because of their fault. I'm really tired and frustrated with the way the credit card company and credit bureau are handling this issue. 

I have attached all the communication documents, dispute results from Experian. XXXX  documents I couldn't get but their investigation also failed and negative mark still exists.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 my 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 those account 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 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