23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have loan from Sterns Lending and it started XX/XX/XXXX. I request them to cancel my PMI on XX/XX/XXXX since My LTV is XXXX %. I did not received any notification except that my case has been received and they will get back to me in 5 business days. after that no response. When I called the customer care then they said they are still working my case and they will let me know the decision by XX/XX/XXXX since it is very lengthy process then I asked then if they should be refunding my PMI money which by that time I have make two payments then She said I have to keep paying my PMI and it will not be refunded. I felt betryaed by them since in The email they said 5 business day for response and there is no information that this process will take 2 months of time. during the loan process I was told that I can cancel my mortgage when my LTV reaches XXXX %. But Now I have to pay extra 2 month of PMI because of their long time response. I am not even sure they will cancel my PMI. Probably they may ask for appraisal which would cost me more than paying the PMI.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. 

XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have had a paypal account for many years, I have been trying to get them to remove my bank account information from them for months. I have emailed them. I have called them. They say that you can remove it from the web, you can not. They will not allow you to. They always say you have an existing transaction even when you do not. They say they can not verify you by any other means other then cell number. They text me when I am on the phone and it doesn't go through. Because I am on the phone. I have stayed on the phone with them for hours and they will not remove my bank information. If I close this account, I feel like they will keep my bank account information in their system. I have no outstanding payment. 
What can I do? This is a problem for many people, you can see this by a simple search on the web.
Product: Debt collection

I had a credit card debt from XXXX with XXXX XXXX. I was in an XXXX situation resulting in my having XXXX for over 10 years. XXXX XXXX sent the debt to Johnson/Mark Attorneys for collection of the debt. I offered them my whole tax return in XX/XX/XXXX, in the amount of {$1000.00} + dollars, which was twice the amount I owed on the XXXX XXXX acct. Johnson/Mark company refused this to settle the debt. I told them I had a mental health issue also, and please take this offer to settle the account. They said they would only settle for {$2400.00} dollars. They sent me a letter that looked like a legal document from XXXX Court ( XXXX XXXX, Oregon ) where I have not lived since XX/XX/XXXX. They just began to garnish my wages from my new job. I want to stop this garnishment because I suffered from a XXXX for years and did what I could to settle this with them in XX/XX/XXXX. Please call me or let me know if there is anything I can do at this point. I do not have money for an attorney. I live in XXXX, Oregon. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ENROLLED INTO THE FORBEARANCE PLAN DUE TO THE CURRENT PANDEMIA SITUATION. THE AGREEMENT SPECIFIES THAT THE MONTHS OF XXXX, XXXX AND XXXX WILL NOT BE REPORTED DELINQUENT. 
XXXX XXXX XXXX XXXX MORTGAGE  FAILED AND REPORTED ALL THESE MONTHS LATE AND PLAN ON DOING THE SAME FOR THE FOLLOWING MONTHS ( XXXX ) AND THEY CLEARLY SAID I WILL BE ENROLLED AND BE HELPED BECAUSE OF COVID-19. 
THIS IS AFFECTING MY HEALTH IMMENSELY, SO XXXX, SO MUCH FRUSTRATION, I WANT TO XXXX XXXX
Product: Mortgage

We were not informed of the XX/XX/2023 data breach, the only reason I know about it is because we XXXX to find answers as to why we can not access our loan. 

We need to pay, but we can't get a hold of anyone. Also, we have the right to know if our information was compromised.
Product: Student loan

I owe Conserve XXXX, from XXXX XXXX XXXX. I offered XXXX is the most that I can afford and asked them at least submit the request to XXXX, however they laughed and disregarded me. I work XXXX and it is illegal to not submit a consumers application to a lender in the even that they ask. I do not know what laws apply to protect me but I fell like they could at the least submit my request. I offered the, which is the only money I have. I am currently supporting my father who just lost his home and I feel really disrespected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX and XXXX XXXXXXXX. Please remove these accounts ASAP.
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. 

Account name XXXX XXXX XXXX XXXXXXXX, Account name : 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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.
Product: Debt collection

MEDCAH, collection agency serving  Hawaii  creditors, is trying to collect a  XXXX  dollar stating that I owe a   XXXX   XXXX   money. I have been to only one company for my   XXXX   and have statements that I paid them off.
email from my  XXXX  " Hi  XXXX  and  XXXX , You are all paid off from   XXXX   XXXX   XXXX   but I have no idea about the old company   XXXX   XXXX  .  XXXX  is in charge of those records so please contact them ASAP at  XXXX .   XXXX   if you have questions, please contact us ASAP.
 XXXX ,  XXXX  --   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX ,   XXXX   XXXX   Co-owner and Co-Founder of   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , HI  XXXX  Ph : (  XXXX  )  XXXX  Fax : (  XXXX  )   XXXX      XXXX   "
Product: Credit card or prepaid card

An account was open with Chase bank without my authorization due to fraud. Account opened on XX/XX/2022 and the limit is {$1600.00}.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

Good day, I'm reaching out to have the following items changed on my credit report I kindly request the immediate change. 

Name : XXXX XXXX XXXX Date of birth : XX/XX/ Address : XXXX XXXX XXXX XXXX MI XXXX Employers : None Please remove all previous addresses ( i never lived there ) Remove all " Also Known as ''
Product: Mortgage

Our original VA loan was with XXXX XXXX XXXX. As of XX/XX/XXXX, Freedom Mortgage took over the loan for our home. We accepted a purchase offer on an adjacent piece of property next to our home. There is no mortgage on the property being sold. On XX/XX/XXXX our lawyer contacted us and said that the property being sold was part of our mortgage. It isn't. We contacted Freedom Mortgage and explained that the property was not part of the mortgage. The acreage on the loan document does not include the acreage of the land being sold, it was not included on the appraisal, the taxes and insurance are not in escrow. The only place in the loan document that refers to that piece of land is in appendix A. It is clearly a mistake. We explained this to the reps at Freedom Mortgage over and over. They said that they would look into. We called multiple times a week for updates, nothing was being done. On or around XX/XX/XXXX Freedom Mortgage was getting the tax and legal department involved to resolve. We continued to call for updates, nothing. On XX/XX/XXXX someone from Freedom E-mailed the legal department asking for an update, nothing. On XX/XX/XXXX a lawyer hired by Freedom Mortgage contacted me to review the situation. She immediately understood the issue and said it would be no problem to resolve this. She felt the best course of action would be to do a lien release. She filed the paperwork with Freedom Mortgage to be signed on our around XX/XX/XXXX. The lawyer said that due to the holidays, Freedom Mortgage probably wouldn't sign until after the XXXX of the year. I contacted the attorney on XXXX, no response. Again calling a couple times per week, getting no answers or updates. Finally on XXXX the attorney said that the documents were sent to the county clerk for filing. I contacted the county clerk, she said the documents were returned to Freedom Mortgage because they were missing information. Freedom Mortgage corrected the documents and sent them back to the clerk. On XX/XX/XXXX the clerk sent the attorney a message stating that there was still missing information. We spent 50+ hours calling and getting nowhere. We have done everything in our power to get this resolved. Here it is 17 weeks later and we still can't close on our property. We feel this unacceptable service and shows a lack of competency on the lawyers part. Can you please help us? We are desperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

please see attachments all XXXX credit reporting agencies failed to follow fcra rules and regulations
Product: Credit reporting or other personal consumer reports

XXXX is on my Transunion credit report as a charge off with a {$0.00} dollar balance I provided an IRS 1099-C cancellation of debt which means this account must legally be removed from my credit report asap or I will be filing a lawsuit per the FCRA violation.
Product: Credit reporting or other personal consumer reports

I looked at my report recently and notice an account wasnt reporting accurately. I already asked to investigate and received a letter sent back addressing someone else, the letter i received back had someone else 's name on there. That is not me, I was told that they were unable to locate a credit file in they database with the identification information i provided. I sent My Drivers License, along with my SSN, and Proof of address. Everything matched. I will attach picture of the letter i received from them, along with a screenshot of the account on my credit profile.They addressed the wrong person, or got someone else 's account on my credit profile. Please investigate.
Product: Student loan

I paid off my loan on XX/XX/XXXX. I somehow overpaid them, and they owe me {$1000.00}. They said it would take XXXX XXXX to get my money back and I have yet to receive it. I called MOHELA and they said they put in a request on XX/XX/XXXX and it could take another XXXX XXXX before I hear back. I want my money back now I am sick of waiting. MOHELA is happy to take my money but doesn't want to give it back. They told me they do not know why my money has not been sent back to me. I also submitted a complaint with the XXXX and have a XXXX XXXX XXXXXXXX XXXX 's office who reached out to the Department of Education on XX/XX/XXXX but who knows what's going on there with XXXX wanting to shut them down. I want my money back and I am not waiting another XXXX XXXX.
Product: Mortgage

due to unforseen issues, we took out an equity line on our home in XXXX at a rate of 4 % interest only the loan matured in XXXX and was purchased by flagstar bank we then applied for a loan modification with flagstar because we have suffered a financial hardship the monthly payment on our current 1st mortgage is approximately {$4700.00} including taxes and insurance flagstars offer for the modification was a 240 month note at an absurd rate of 6.5 % which is ridiculously above the current lending rates ... .and the monthly payment would be approximately {$3300.00} We had sent them all documents for our full financial disclosure and there is no way that we can afford more than {$8000.00} monthly towards mortgage commitments based on our net income flagstars only alternative was to press us to pay the full amount of the note which of course we can not afford and has not provided any alternative options we are stuck in our own mortgage crisis
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 Date of inquiry : XX/XX/2021
Product: Mortgage

On XXXXXX/XX/year> I submitted an inquiry for the XXXX XXXX XXXX XXXX program ( XXXX ). The following week they connected me with a preferred lender, New American Funding XXXX XXXX XXXX. XXXX ran a hard inquiry on my credit, and the loan officer XXXX called me with the good news that I was approved for a mortgage, and asked if I was ready to begin working with one of their preferred lenders. I asked about the grant, which was what brought me to XXXX in the first place. Instead, the reply was oh, you need a second loan for down payment assistance? No, Id like information about the availability of the grant. And Id also like to see the terms of the loan- the type of standardized form Im accustomed to seeing for any loan. I was told that wasnt normally made available to me, but would be sent to the realtor. When I pressed and told XXXX I wasnt comfortable moving forward with realtors seeing terms that I havent seen ( that affects me the most! ), he begrudgingly agreed to send me the details of the loan. What I received instead was a typed arbitrary summary of the terms. When I called back and asked for a loan summary, I was told XXXX didnt offer that. When I again stated I wasnt comfortable moving forward without seeing details in a standardized format, he hung up on our call. 

My call and message to XXXX XXXX XXXX on XX/XX/scrub>XXXX still have not been answered as of end of business day on XXXX. 

From my experience, it appears that this XXXX XXXX program lures in public servants ( teachers, but also veterans, nurses, etc ) with the promise of a grant, which conceals predatory lending practices. 

lender info : XXXX XXXX Loan Officer NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Article 623 Fair Credit Reporting Act The verification from original creditor XXXX XXXX has stated on recorded line that was sent to collections XX/XX/XXXX ( WHICH STILL DOES NOT EXPLAIN WHY IT HAS NOT SHOWN UP, EVER, ON MY CREDIT REPORT UNTIL XXXX  MONTHS AGO. )
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lost all of my credit history, and they failed to fix it. Currently my credit score at Equifax is XXXX, while at the other two credit bureaus the scores are around XXXX ( XXXX ) and XXXX ( XXXX ). I have 6 credit cards actively in use, but they have none of them on file. 

I have been trying to contact Equifax for the past 2 weeks since XX/XX/XXXX, but still the issue is not fixed. Their customer representatives refused to provide help in any constructive way, and rejected my request to start an investigation into the issue. 

Below are some more details : After about 10 days of communication, Equifax sent me an email on XX/XX/XXXX stating that they had fixed the issue. However, as I checked my credit report again on XX/XX/XXXX, my credit report is still empty and credit score is still XXXX. It is clear that they had not fixed it, while they claimed they had. I tried to email them back, but I have not received any response ever since. 

In addition, on XX/XX/XXXX I made another call to Equifax customer service line to request further help. However, a staff from the Office of Consumer Affairs told me " everything looks perfect '' on their end ( even if my credit score is XXXX ), and refused to provide any further service. She also rejected my request to start an investigation into the issue.
Product: Debt collection

I received multiple calls and computer speaks about this {$40.00} bill. then they hang up. I receive a letter today XX/XX/2022 after 2 weeks of the ongoing phone computer calls. It says XXXX XXXX. I have no Idea who this is. I have no recognition what this company does or where they are. I filed bankruptcy in XXXX. So, I am Disputing this crazy bill. It is not mine.
Product: Debt collection

I recieved a phone call from PAM, LLC while I was at work. When I called them back the woman whom I spoke with said that I took out a XXXX $ loan in XXXX and never paid it back. Further more she accused me of closing my bank account so money could not be taken out as payment. I told her that I did not do any of that. I looked into a loan but never took XXXX out. She go angry and trie to proove her self by telling me my Social Security Number, Email Address and Phone number. She said I could pay her over the phone or meet to try and avoid the corts. I told her I wanted proof so she e-mailed me a colection notice. 
After two days of recieving the e-mail I recieved another phone call by this time I had recieved all bank statments as well as confermed with my bank that I have had a open bank account seince XXXX. I said I would meet too look at any real evidence but I would not pay by phone. She got angry and said that they do not meet and that because I am not going to pay that this will go to the next level of action.
Product: Prepaid card

I added a new employer as a direct depositor to my XXXX Card by XXXX which is issued by MB Financial Bank , N.A . The day my direct deposit for {$1500.00} should have been posted, nothing posted to my XXXX card. I discovered I skipped a digit in the account number and submitted an incorrect account number to my employer. I contacted XXXX XXXX, XXXX and MB Financial. None of the XXXX organizations would provide information on my payroll check funds nor would they provide information on how to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is consistently misreporting my credit score as if this is an angry XXXX poodle pretending to be human. 

My XXXX is XXXX but they are misreporting it. 

My Transunion is XXXX but they are misreporting it. 

This falsely lowers my XXXX score, and then consequently falsely lowers the others based upon the falsehoods of this score. 

I have been dealing with this credit score fraud all year.
Product: Debt collection

My sister started receiving calls from a placed called Summit Receivables ( XXXX ) regarding a undisclosed debt on XX/XX/XXXX. After receiving a message from my sister I contacted the number above. When I called they would not identify the debt in question. They tried to ask for my ssn to look up the supposed account. I did n't give it to them. I had to call back a few times because the people would yell at me and hang up the phone.. Whenever I would request some sort of debt validation. They never identified the debt over the phone nor did they send any letter of validation after I contacted them. I also reviewed my credit and I do n't see any collection activity from Summit Receivables. My sister contacted me again the other day stating that she is still receiving call from them even though I called them from my number. She said that now they are claiming it 's in regards to " her debt. '' they might be contacting my dad as well, as he told me yesterday a collector called him weeks back asking for me. I have n't put any of these family members on any credit related items. I think this is a scam.. I have researched online and found many other people complaining about the same place.
Product: Credit reporting or other personal consumer reports

I'm deeply upset to find unauthorized inquiries on my credit report this evening, with no clear reason why they're there. When I checked my report as usual, I noticed these unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries remained. I'm really frustrated by this and urgently request that the documents I've submitted be thoroughly reviewed to prevent this from happening again.