23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Carrington Mortgage Services incorrectly calculated my gross monthly income at {$1900.00}, when I provided a profit & loss statement showing {$6300.00} per month. This error makes it appear my loan modification request did not meet the requirements. 
I provided Carrington Mortgage Services with the enclosed Notice of Error & Request letter for Information pursuant to XXXX C.F.R. XXXX. 
Carrington Mortgage Services never responded or took any corrective action pertaining to my monthly income. Carrington Mortgage Services never directly responded to my Notice of Error & Request for Information letter as required pursuant to XXXX C.F.R. XXXX. 
Carrington Mortgage Services violated loss mitigation procedures. Carrington Mortgage Services knowingly miscalculated my monthly income after being provided with financial information via email, phone and fax. Carrington Mortgage Services also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute back in XXXX with TransUnion regarding XXXX XXXX, for whatever reason, the past due payment was removed from my report. A couple of days ago I noticed XXXX XXXX once again reported the same past due issue once again. I explained to them that subsequently to the migration from XXXX XXXX XXXX which I had set up with autopay, the bill became late and I was unaware. It happens that XXXX XXXX did not carry over my autopay and although they made numerous attempts to contact me via postal and email ; it is my argument that the envelopes and email were generic by design. I will attach email examples in this complaint. The irony is XXXX XXXX waited till the bill was passed 30 days to contact me via phone. Once I received the phone call I immediately paid, which I would have done if they would have contacted me sooner. 

I attached an image of the emails I received from XXXX originally and the generic emails I received from XXXX which subject line do not refer to XXXX. As you will well notice Cardmember Service is practically any spam email and postal mail one receives on an average week. I phone call would have solved this issue especially since I was a new member. If this would have happened because I just plain forgot to setup autopay or just did not care about making a payment I would understand.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please help me remove these items. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO the 3 credit bureaus must comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting wrong dates and amounts on my credit reports, I call them and they just act like they dont now what Im not talking about.
Product: Debt collection

Subject : Request for Debt Validation Pursuant to 15 USC 1692g Dear Westlake Financial, I am writing regarding a debt you have claimed I owe. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay but a request for clarification and verification of the alleged debt.

To properly validate this debt, I request the following information : A detailed list of the history of payments made by me on this account, including dates and amounts.

A copy of the original signed contract or agreement that indicates I agreed to be liable for this debt.

Documentation showing whether any insurance claim has been filed on this debt, as well as any payments received related to such a claim.

Proof of your chain of title and legal authority to collect on this debt, demonstrating that you are the rightful owner or have been assigned the rights to collect.

Additionally, I am requesting that all further communication regarding this matter be in writing and sent to the address listed above. You are also instructed to cease and desist all phone communication in accordance with my rights under the FDCPA.

Please note that I expect this information to be provided within 30 days of receiving this letter. Failure to comply will result in my assumption that this debt is invalid, and I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the state attorney generals office for any continued collection attempts.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, Account ending in XXXX Requested debt Validation on several occasions via email and requested via phone. Agent refused to speak to me unless I give them all information I'm requesting of them to provide to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX submitted an credit application for auto loan in my name XXXX XXXX XXXX. XXXX pulled my credit and two inquires where made from them dates are XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX inquire date is XX/XX/XXXX as well. I reached out to both of the companies. XXXX sent me a letter stating that the received the application from XXXX XXXX. So I reached out to XXXX XXXX who than put me in touch with their lawyers, so did an investigation. They mailed me a letter stating they could not find a credit application online or in person or via phone with my information. They said i can submit this letter to all credit bureaus and I did. Equifax is the only company refusing to remove this. stating I have to file police reports and go to court ect. I'm attaching letters from everyone. I have a credit to file to remove inaccurate information off my credit report
Product: Credit reporting or other personal consumer reports

I mailed a cease-and-desist letter to LVNV Funding LLC, also known as Resurgent Capital Services, XXXX XX/XX/year>. This letter was delivered and received by them on XX/XX/year>, as confirmed by XXXX tracking number XXXX. In the letter, I requested that they cease all communication with me and remove the alleged account from my credit report. 

The account in question is identified as Account # XXXX Despite my request, LVNV Funding LLC has continued to report this alleged account on my credit report. This constitutes communication under the law and violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : Under 15 U.S.C. 1692cc and FDCPA Section 805 ( c ), LVNV Funding LLC is prohibited from communicating with me through any mediumincluding reporting the alleged debt on my credit reportafter receiving a written cease-and-desist request. 

Their failure to remove the item from my credit report violates the FCRAs requirement to ensure accurate and fair reporting. 

Furthermore, I have no knowledge of this alleged debt and have never conducted business with LVNV Funding LLC or Resurgent Capital Services.
Product: Mortgage

I am an XXXX man. Im also a XXXX XXXX homeowner who was termeritous, foolish enough to present my own home to 30 year veteran, XXXX male appraiser, XXXX XXXX XXXX, of XXXX & XXXX XXXX ( XXXX  XXXX # : XXXX ) thinking hed fairly and diligently evaluate my property. He was hired via XXXX XXXX XXXX XXXX XXXX, an XXXX-owned appraisal management company located in XXXX, CA, who was secured as the AMC for AMWEST FUNDING CORP , the lender. In pursuing a modest Cash-out refinance of my home, the appraisal conducted XX/XX/XXXX, returned on XX/XX/XXXX gobsmackingly $ XXXX under the expected valuation. My house, located in XXXX XXXX, is a custom-made, XXXX, XXXX square foot, beautiful XXXX XXXX style home in good shape ; most people consider it to be the best house on the cul-de-sac ; the crowning jewel at the very top of our hill. On XX/XX/XXXX ( just 2 months prior ) a neighboring home XXXX doors down is a XXXX sq ft, XXXX XXXX bth house XXXX remodeled in XXXX to emulate mine ; it sold for $ XXXX. Somehow XXXX appraised my, again XXXX sq ft, substantively larger by XXXX sq feet, luxury home at just $ XXXX, literally $ XXXX LESS than a similar quality, smaller house, with nearly no amenities ( no hot tub or pool, garden, XXXX views, fireplaces, etc ) and the jokes on me, because the lender had me pay for it! 
In searching for a 2nd appraisal yesterday, I happened to find and spoke with a XXXX star XXXX reviewed XXXX veteran XXXX, who gave a careful and detailed examination of the XXXX appraisal and after XXXX XXXX minutes of going through the document, he called this appraisal " Criminal '', " packed with errors '', and he further explained that my house can not come in lower than $ XXXX ( on the low end ) due to recent sales ( particularly the home XXXX doors down on the same block ), very obvious missing adjustments, and guided me towards filing a formal complaint against the lender 's appraiser at the California Bureau of XXXX XXXX XXXX XXXX XXXX XXXX. This debacle is costing me time, mental anguish, and his appraisal is not just a libelous insult, it would take over $ XXXX off of my Cash out refinance and be undeniably financially damaging to my net worth. It is my contention that Zhangs appraisal is out of compliance with Uniform Standards of Professional Appraisal Practice ( USPAP ) Standards Rule XXXX which states, When a sales comparison approach is necessary for credible assignment results, an appraiser must analyze such comparable sales data as are available to indicate a value conclusion. '' I have written a detailed report which lays out why XXXX XXXX appraisal is not only in violation of the USPAP, and Fair Housing laws, but that his entire report is completely indefensible and should have immediately been rejected by the lender. I will enunciate on how he is a promulgation of a systemic XXXX system which is growing in saliency robbing XXXX American homeowners like myself from our duly earned wealth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the 3 major credit bureaus to investigate these accounts that don't belong to me, I have not yet received verification from anybody at XXXX, XXXX or Experian since last year. the following accounts below are not my accounts 1. XXXX XXXX acct # XXXX 2.XXXX XXXX accts # XXXX XXXX 3. XXXX XXXX Bank acct # XXXX I requested that the only name that needs to be reported on my XXXX, Experian, and XXXX  credit file should only be AS FOLLOWS, and they never removed fraudulent names from my report as requested, my name as followed should be only name. 
1. XXXX XXXX XXXX I requested that these address be removed because they're fraudulent addresses as follows and never received validation from XXXX, XXXX and Experian 1. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX 3.XXXX XXXX XXXX. XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Bank account or service

I started a XXXX campaign for a friend that was in need and enough funds were raised to help him via this site and WePay. After the funds were delivered there were several charge backs from credit cards ; I believe that once sufficient funds plus extra were raised some decided to cancel their donations. The WePay site said that I owed them money and they were going to collect by auto withdrawing from my account. This morning I was negative in my account. My bank, Chase, allowed this to happen without my permission. I called them and complained severely. Saying that only I, and the Govt. are allowed access to my funds. I need help with this, and/or report them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XXXX they received it XX/XX/ I gave them 15 days to provide proof of The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with, The Valid documentation used to validate the dispute, Also, the procedures your company has in place to ensure each account is 100 % correct which they never provided anything. So XX/XX/ I sent a letter of all the violations they did to me. So I demand they delete and fix the accounts I told them to.
Product: Credit reporting or other personal consumer reports

Issue with Sunrise Credit Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX. I am filing this complaint to address derogatory account that has been reported on my XXXX credit report by Sunrise Credit Service. The account, reported on XX/XX/year>, shows an account balance of {$810.00} and has negatively impacted my credit report. I want to clarify that I do not recognize the acct in question and do not owe the amount stated. Someone fraudulently opened an account in my name has caused me significant stress and has adversely affected my credit score. In the past, I recall speaking to a representative at Sunrise Credit Service regarding the fraudulent account that I had never opened. I forwarded my personal documentation, proof of residence upon Sunrise request and I thought that was the end of this situation. However, according to XXXX XXXX XXXX derogatory remark was placed on my credit report. I contact Sunrise and forwarded a letter and XXXX XXXX reply stating contact XXXX. I did and spoke to representative name XXXX. Upon answering her questions I am not the person who open the account. She indicate to speak with Sunrise about the credit reporting. This is unfair, stressful, and interfering with my credit report and reported derogatory mark. According to XXXX XXXX XXXX it clearly states Sunrise Credit Services , Inc reported the derogatory. They need to be held fully accountable and no one at their office is accepting the responsibility as to who contact XXXX.
Product: Money transfer, virtual currency, or money service

I sent three wire transfers after receiving emails from what appeared to be my leasing company. They were fraudulent and had hacked into my leasing companies email system. 

After requesting that the monies be returned to my account I was told the transfers had been made to the receiving bank and they refused to return the money
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax Information Services LLC for their failure to adequately respond to multiple inquiries regarding unauthorized changes to my address on my credit report. These unauthorized changes occurred on XX/XX/year>, and XX/XX/year>. 

I have filed several disputes with Equifax to investigate the matter, under the following dispute numbers : XXXX, XXXX, XXXX, and XXXX. 

In each instance, I specifically requested information on the creditor or entity responsible for initiating these unauthorized changes to my address. However, despite multiple requests, Equifax has continuously failed to provide this critical information. Instead, their responses have been irrelevant to my requests, dodging my direct inquiries about the identity of the creditor involved.

This pattern of avoidance is concerning, as the unauthorized changes have affected the accuracy of my credit file, and the lack of transparency on the part of Equifax has further exacerbated my frustration with this matter. I am now seeking the assistance of the Consumer Financial Protection Bureau to ensure that Equifax complies with its obligations to provide me with the information I am entitled to under the law.

Please help facilitate a thorough investigation into this issue, and hold Equifax accountable for their failure to respond appropriately to my requests.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report, and after carefully going over everything on my report i noticed their were a bunch of unauthorized inquires on my report. I Sent Transunion two letters disputing the information that they are reporting. I sent my first communication to them onXX/XX/2018 I received a response from them advising me that they validated the information and to contact the creditor directly. I sent another communication on XX/XX/XXXX and received the same response. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.. In addition, as part of your investigation, please send names, business address and phone numbers of those who made unauthorized credit inquires so I may contact them directly. I am asking for this because my credit is being unjustly degraded because of these unauthorized inquiries. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted banks directly to review negative items listed on my credit report. Corrections and payments were made directly with the banks but, the items still appeared on my Experian account well after they were removed from the other two credit bureau accounts. I disputed with Experian but, the results were that " no changes '' could be made and I was not permitted to dispute again because they were already disputed. 

The rating seems arbitrary and decreases without reason. Following the guidelines as stipulated by the credit bureaus individually, I reduced usage to below 1 %, removed all credit delinquencies, make all payments on time, cleared ALL debts, and the last missed payment was over 3 years ago. The more I abide by the stated rules, the lower my credit score trends ... almost daily and without any changes to the items on my credit report. Experian has yet to provide an explanation for this downward trend. 

Following the rules has diminished my credit rating. But, lucky me! If I sign up for another credit card through Experian 's referral service, I just might improve my credit rating.
Product: Debt collection

My husband was ill for 10 years and passed away in XXXX. Without my knowledge he had accumulated almost {$50000.00} in credit card debt. As executor and widow I contacted each card company. They all forgave the debt except Wells Fargo. After numerous times of contacting them they offered to send me a copy of all of the activity on the account. When I saw it I realized what had happened. Yes, I opened the account in XXXX in Florida, under my name only. I needed to pay off property taxes in Florida which my husband disagreed with my doing. The balance was paid off by XXXX, I put the card away with a note do not use. My husband had to have gone to the bank to even find out about 6the cared and available credit. They gave him the card without my permission and he ran up {$13000.00} of debt without my knowledge mostly in cash withdrawals. Wells Fargo says I am responsible for this debt since my name is on the card. I have made payments on this card and down to half. I have asked about settling the account. They are not willing to do this. I have contacted the fraud department and have not heard from them. Wells Fargo had no right to make this account available to him. I am a widow, on a fixed income, trying to get my finances in order for moving out of my family home. Do I have no other recourse? Should I just stop paying it, ruin my credit score and then see if they will settle?
Product: Debt collection

We received a notice of missed payment by XXXX XXXX for medical tests. Upon checking, we believed the notice was sent in error as it was paid through our insurance. We unsuccessfully tried to contact the company over the phone, and sent an email to address they provided. This was two months ago. 

We never got a response, and we just learned that the bill was sent to Radius Global Solutions for collection. We contacted them over the email they provided, but got an error from their email server and our message was blocked. We then managed to speak to them over the phone and were told they were going to investigate. They however refused to provide anything in writing to prove that we filed a dispute. We were then able to get in touch with XXXX XXXX and they as well claimed they were going to 'investigate the issue and hold the ' but refused to provide any confirmation in writing that the collection process would stop. 

We have been notified in writing that a collection is ongoing, however we have no way to demonstrate that we disputed the process. A word from a company representative over the phone does not equal a certified letter in the mail. 

Of course this complaint does not go into details, but as you can imagine we came to this after spending several hours over the phone and email trying to sort this out.