23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is regarding cancellation of our Mortgage Insurance Policy. 
We purchased our home XX/XX/XXXX for {$210000.00} ; loan amount {$200000.00}. Because we did not have a 20 % downpayment, we were required to have Mortgage Insurance. All payments have been made on time. As we approached the two year mark on our mortgage, and after extensive renovations, we asked XXXX ( our servicer at the time ) how to have the mortgage insurance dropped. They asked us to provide a list of the renovations to see if we had enough improvements to get to a 20 % equity position, then they told us we would have to pay for an appraisal to determine the current value. 
XX/XX/XXXX we paid {$420.00} to XXXX for the appraisal. XXXX ordered an appraisal and XX/XX/XXXX the appraisal was performed by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, UT. The appraisal came in at {$280000.00} -  much higher than the required 20 % LTV required to cancel the XXXX. This should have been the point where the XXXX  was dropped, however XXXX was now in the process of transferring our loan to Freedom Mortgage. We asked if the appraisal & XXXX  cancellation process would be affected by the transfer ( spoke with XXXX XXXX XX/XX/XXXX ) and she said the XXXX would be dropped before the transfer took place - so we proceeded with the appraisal. The cancellation did not happen. 
Our loan is now with Freedom Mortgage, {$190000.00} balance. When the billing came for the XX/XX/XXXXpayment, XXXX was still included. We faxed a letter to Freedom Mortgage XX/XX/XXXX ( per XXXX ), along with a copy of the appraisal. The response from Freedom Mortgage was a form letter saying we needed to provide an appraisal from an appraiser of their choosing. When we called to speak to someone about this ( twice ), Customer Service would NOT provide anyone to speak with - they just shut us down and said our call could NOT be transferred to someone regarding PMI, that Customer Service is the only place we can have a conversation.
Product: Mortgage

1. I took out a loan for {$37000.00} back in XX/XX/XXXX with Ocwen Loan Servicing, the sold my mortgage to PHH mortgage which is the " same company '' I believe and now they say I owe {$51000.00}, and 15 more years. I don't know how that could be. 

2. I believe this is the same company because they have my same account number and I did not authorize PHH to take any money from my bank account and they have been, I did do a stop payment because I did not know who PHH Mortgage was. Ocwen nor PHH notified me that PHH was my new mortgage provider before going into my account and took an additional {$300.00}. 
3. They were over charging me for my insurance on my escrow and I started paying my insurance thru XXXX myself back in XX/XX/XXXX, and as of today XX/XX/XXXX they have not sent me my reimbursement for my insurance, that they have been taking and I've been paying it myself. They also knew because I did specify it and my mortgage went down by {$480.00}. 
4.When the account was sold to PHH mortgage XXXX Ocwen reported me as being multiple payments late and PHH mortgage started my account as being multiple payments late as well. 
5. PHH did a foerberance for me for this covid, but said that It was only good for XXXX, XXXX, and XXXX, because I was behind and that was't true, and I did send them my bank statements showing that I haven't been late or missed a payment in 5 years, yet they still report this on my credit report. 
They have been reporting incorrect information on my credit report which has damaged my credit significantly, some as much as 300+ months late. 
6. I have been paying towards my principal and I did specify apply to principal and they have not been applying the extra payments towards my principal.
Product: Debt collection

This account was surrendered under the property of another agency during the Covid-19 crisis in Maryland in which I have no legal right to this debt that has taken place on my account. I do not have the dates, but it was added to my credit in XXXX of XXXX and I know that it was a XXXX debt that has been not taken off my account, but sent to a collection agency as a faulty account.
Product: Debt collection

Copious amounts of money were paid to this company and yet they are attempting to collect more with zero validation of debt provided to me. No evidence of validation of debt has been provided to me after multiple attempts and certified letters through USPS. 

ATTACHED ARE PAYMENTS MADE TO XXXX. 

MOVE IN XX/XX/XXXX MOVE OUT XX/XX/XXXX {$2700.00} paid {$2600.00} paid {$2600.00} paid again That is a total of {$8000.00} for 2.5 months of rent when rent was only {$2600.00}.

I WANT VALIDATION OF HOW THIS COMPANY IS ALLOWED TO PLACE ON MY CREDIT REPORTS AN AMOUNT EXCEEDING {$3000.00} NEARLY {$4000.00} WITHOUT ANY PROOF BEING SENT TO ME AND THE CFPB NOT OBTAINING THIS INFORMATION EITHER!

I will include all parties involved in the illegal activities of not providing consumers validation of debt or due process of allowing disputes. THIS IS A DISPUTE OF DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX
Product: Mortgage

That my wife and I are victims of predatory lending practices, and naive/gullible targets of   XXXX   home mortgage scams. The unscrupulous methods of lenders compelled us to file chapter  XXXX  bankruptcy that ultimately lead to our property put on short-sale/foreclosure.   In addition, the property is no longer in our possession and has been physically occupied by Carrington Mortgage services of  XXXX , California.  Carrington  Mortgage has been lackadaisical in dealing with entire issue especially getting our names off the deed. Such that utility companies and home association stop sending bills for utilities some of which already been turned over to collection agencies destroying our good credit.   In the past year or so,  Carrington  employees  (   XXXX   XXXX  or  XXXX   XXXX   XXXX  ) have been contacted by phone, email and fax and advised to have our names removed from deed. Also utility bills have been forwarded from time to time and they instructed to have home insurance updated in the company name.   Utility companies and their collection agencies advised to forward future bills to Carrington for direct payment.   Since Carrington also broke into the property,  XXXX   XXXX  sheriff office was also made aware of the development
Product: Payday loan, title loan, personal loan, or advance loan

Was sold fale jewelry cash app doesnt want to refund me my money. Instead of closing our accounts they should go by closing the accounts of scammers why do us loyalty customers have to suffer for there wrong doings. Im seriously having a problem with cash app there like three different names on transactoons including the name cash app. I lost over XXXX XXXX in XXXX aroundthe XXXX i cant get help from cash app at all and alot of transfers were being made from them bad professionalism and horrible service i literally got robbed and closed out i now cant fo anything about it
Product: Debt collection

I have received multiple calls from this debt collector and have explained this debt is not mine. I have also sent a letter dated XX/XX/2022. This debt collector has placed this debt on my credit report after I have given written notice that this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the companies number it sent me to a machine that told me to email them. I emailed them and it 's been a week without any response. I 'm just trying to get my free annual cerdit score check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information in my credit report. I recently obtained a copy of my credit report and noticed that it includes a charge off account with the account number XXXX XXXX 

However, I want to bring to your attention that the address listed on the report, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, is not my current or past address. I have never lived at this address and have no association with it whatsoever. 

I believe this inaccurate information has been reported in error and is negatively impacting my credit score. I kindly request that you investigate this matter and remove the erroneous information from my credit report.

As per the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 1 ) ( A ), I am entitled to receive a free copy of my credit report if adverse action is taken based on the report. Therefore, I kindly request that you provide me with a free copy of my credit report with the erroneous information removed. 

Thank you for your attention to this matter. 

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

Experian has failed to fulfill its legal obligation under the Fair Credit Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer. They never sent me emails in regards to disputes.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX Please send me the contracts that I allegedly signed for each of these accounts. I know that you didn't legally investigate these because if you had, you would have known that I had never signed anything at all. I contacted these collectors and was notified that you did not reach out to them. In addition, when I sent my debt validation letter to them, they failed to send me legal validation. So, what is it that you have to verify if you didn't contact them, you don't have anything that I've signed and no one has any proof? Please remove these accounts for failure to verify : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. 

Please review attached Documentation all inaccurate information is circled in RED The original creditor are reporting these accounts as full paid proof will be attached XXXX XXXX XXXX IS THE ORIGINAL CREDITOR
Product: Mortgage

On   XX/XX/XXXX   I filed a complaint  XXXX  about  Wells Fargo.  I sold my home on  XX/XX/XXXX  and was not provided with any breakdown regarding the payoff.     On   XXXX   XXXX   XXXX    Wells Fargo provid ed me with a breakdown for the mortgage payments starting in   XX/XX/XXXX  . The is a column called "  Unpaid Advance Balance  ''. In   XX/XX/XXXX   the amount started at  XXXX , at time of sale the amount was {$700.00}. They are deducting this amount from my payoff, however, they have given no explanation what this amount was for or why they would add this amount to my mortgage?     I called  XXXX   XXXX  at Wells Fargo to get an explanation to the charge, but they did not return my call. I called on Friday,   XX/XX/XXXX   at  XXXX   XXXX .     Thank you,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

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


Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to get the CRAs to abide by FCRA and CFPB, I am not request for XXXX, Transunion, and XXXX to permanently delete the accounts that ( has been attached to the file ) for deletion according to FCRA 611 ( a ) [ 15 U.S.C 168ii ( a ) ] and section 609. These items are that I am disputing are required to be re investigated or deleted from my credit report within 30 days. I AM NOT ASKING ANY OF THE CREDIT REPORTING AGENCIES TO VALID WITH THE CREDITORS, I AM DEMANDING THE CREDIT REPORTING AGENCIES TO VALID THE DEBT. ACCORDING TO FCRA SECTION 609, THE LAW FCRA 15 USC 1681 STATES THAT THE CREDIT AGENCIES MUST VERIFY ALL INFORMATION THAT THEY RECEIVE FROM BANKS, CREDIT CARD COMPAINES, PRIOR TO BEING PUBLISHED ONTO MY CREDIT. THIS INFORMATION IS ALSO PRINT IN THE GUIDE FOR FEDERAL CREDIT BUREAU, SO I AM DEMANDING THE XXXX, XXXX, AND TRANSUNION TO SEND ME A COPY OF THE ORIGINAL SIGNED DOCUMENT FROM WHEN I OPENED THE ACCOUNTS. IF YOU ARE CLAIMING THE INFORMATION IS VALID/VERIFY/AND OR CORRECT I AM REQUEST THE CRA 'S TO VALIDATE AND SEND ME PROOF OF CLAIM. YOU HAVE 30 DAYS PER FEDERAL CREDIT BUREAU, CFPB, AND FCRA TO PROVIDE ME WITH PROOF OF CLAIM. 
FCRA SECTION 609 ( C ) ( 2 ) ( e ) also advise if the accurate negative information in the consumer credit profile is unable to verified, the reporting agency is required to delete it.

I AM DEMANDING THAT THE CREDIT REPORTING AGENCIES " TO PROVIDE VERIFIABLE PROOF '' ORINGAL DOCUMENTS RECORDS THAT YOU MUST KEEP ON YOUR DATABASE PER FEDERAL CREDIT AGREEMENT WITH MOUs.
Product: Prepaid card

I received a deposit of {$50.00} from XXXX XXXX on XXXX/XXXX/2015. I spent a total of XXXX off the card on XXXX at XXXX. I go to the store to make a {$7.00} purchase and my card declined yet i still had a XXXX balance. I called them up they said it was a business/company error my money would be back on the card at XXXX. XXXX comes my money is not there, i call again at XXXX on XXXX/XXXX/2015 they then tell me its my fault and i have to wait 8 days to get my money back. I am so fed up with speaking to these people. How can they just take my money and get away with it. I spoke to a guy name XXXX he claim he was corporate, but there was nothing that he could do. I have to wait 8 days. That money was to be used for bus fare for me to get to work until i got paid I have not been able to go to work or eat because of this situation. It 's not fair. They should not be able to just take my money and not put it back on the card. I do n't understand that. They did the same thing with my girlfriends card but put her money back on the card at XXXX. Please help with this situation.
Product: Credit card

Sent a XXXX for payment through Secured Registered Mail. This is shown as " received '' by IRS on XX/XX/year>. Registered # RF XXXX XXXX XXXX XXXX. Account is still showing as unpaid regarding Discover Card.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$4700.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation of my consumer rights accounts to the FCRA. I got a notice in the month of XX/XX/XXXX 2023 in regards to a late payment that has been reported on my credit report in XXXX of 2022. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not given written instructions to furnish this on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is participating in deceptive practices I have reached out to the company numerous times about fraudulent accounts that are on my consumer report. I even educated them on the federal laws that they were violating and they still decided to violate my rights. 
They are in violation pursuant to 15 U.S code 1681 b permissible purposes. They are also in violation pursuant to 15 U.S code 1681i ( 5 ) ( B ) ( ii ) ( iii ) deleting items off of my report and putting them back on without sending a reinsertion letter. Furthermore, they are reporting an account on my report that is not only fraudulent but it is being reported incompletely because it has no account number. I've sent over my Ftc report that they said they could not accept I've sent over an affidavit of truth and i have sent my letter to them certified with a return receipt so I know they have received my demands in writing. Federal law also states that when an account is being reported as the fraud it needs to be removed within 5 business days but Experian keeps telling me that they won't take it off. I already have enough evidence to sue Experian in a federal courtroom for the multiple violations but I want to give them one last chance to fix there wrongdoing.
Product: Checking or savings account

Someone opened an account in my name at the bank of america. I caught it on time and asked the bank to close the account and reported the matter to the bank 's fraud department. 

Two weeks later Someone, apparently the same person, accessed my checking account at the same bank and added a new email address and phone number and was attempting to transfer money using XXXX. I caught it on time and froze my account which I subsequently closed and opened a different account. 

I also froze my credit reports out of precaution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reports to the credits bureaus every XXXX of the month. On XX/XX/XXXX XXXX XXXXXXXX XXXX reported an incorrect balance on my account. I made a payment of {$420.00} on XX/XX/XXXX but the website was having issues. I called in to make a payment with a representative who waived the agent fee. My credit report dropped tremendously because the wrong amount was reported when I made a payment. It was reported on the wrong day. XXXX XXXX XXXX also has me reported late on XX/XX/XXXX and XX/XX/XXXX with all three credit bureaus. I Have been trying to fix this problem for over a year. I paid a protection fee faithfully every month and called in to get covered for those months since I was out of work. I called in to get set up only for the representative to not put me on the protection plan causing late payments being reported and credit score dropping. I have called in over 30 times and wrote letters and no one has reached out to me.