23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home back in XX/XX/XXXX. Since this time we've seen significant market appreciation and I wanted to look into getting rid of the PMI on my loan. I initiated the process with my mortgage servicer back in XXXX and we completed an appraisal with the vendor of their choosing. 

The value of the property came back evidencing I did in fact have the 20 % equity in the home and my understanding was the PMI would be dropped. I have spent the last 60 days going rounds with Mr. Cooper as they won't drop the PMI but also can't provide an articulate reason as to why they won't drop it. They needed 15 days to research it initially, then another 30 days to look into it again, finally I called again today and they stated no progress has been made, they're unable to expedite and they're unsure of when someone will have any sort of articulate/intelligent response. I was advised I refused to send an e-mail by my 2nd escalation specialist. I inquired if that meant they did nothing for the past two weeks, no action was confirmed. I wasn't permitted to speak with a supervisor as they have a 2-4 turn time for this process. I've acted long enough in good faith with zero traction. XXXX with the escalations refused to call me back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. When I was successful in getting another representative they lied and claimed XXXX had left me a voice message yesterday which I have since confirmed is not the case. 

My understanding was was 20 % equity was reached in property, after evidenced by an appraiser of the mortgage servicer 's choosing, PMI is to be dropped immediately. 

Finally, they're still trying to invoice me for the report despite not being able to utilize said report for intended purposes. 

I can obtain a copy of the most recent mortgage statement & appraisal if helpful.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint against Equifax due to multiple unauthorized, inaccurate, and unfairly reported items on my credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These inaccuracies are unjustly harming my creditworthiness and financial opportunities.

1. Inaccurate Collection Account The following collection account has appeared on my credit report without my authorization or consent. Under 15 U.S. Code 1681s-2 ( a ), data furnishers are required to ensure the accuracy of the information they report. This account must be removed immediately : XXXX XXXX XXXX ( Account : XXXX ) Reported on XX/XX/XXXX Balance : {$1800.00} 2. Closed Account with Unfair Late Payment Marks The following closed account reflects late payment marks that unfairly harm my credit profile and fail to meet reporting standards under 15 U.S. Code 1681b and 1681c : XXXX XXXX XXXXXXXX ( Account Number : XXXX ) Balance : {$2700.00} Opened : XX/XX/XXXX These late payment marks must be removed, as they do not meet legal standards for fair and accurate reporting. 
XXXX. Inaccurate and Unfair Late Payment Reporting by Equifax Equifax has inaccurately reported late payments for XXXX, XXXX, and XX/XX/XXXX on my mortgage account with XXXX XXXX XXXX ( Account : XXXX ). These payments were misreported despite the fact that my billing statements were not provided at least 21 days before the due date, violating 15 U.S. Code 1666b of the Truth in Lending Act ( TILA ).

This misreporting also violates : 15 U.S. Code 1681i Requiring credit reporting agencies to conduct proper investigations of disputes.

15 U.S. Code 1681s-2 Mandating data furnishers to ensure accuracy and promptly correct errors. 
I have already disputed these inaccuracies with Equifax, but no corrective action has been taken. These errors must be removed immediately to ensure compliance with federal law and prevent further unwarranted damage to my credit score.

4. Request for Immediate Investigation and Correction I formally request that Equifax conduct an immediate investigation and remove the inaccurate and unauthorized items from my credit report. These errors are a direct violation of federal law and continue to cause significant financial harm by limiting my ability to obtain fair credit opportunities. 
I have attached supporting documentation, including my FTC identity theft report, to substantiate my claims. 
I trust that the Consumer Financial Protection Bureau ( CFPB ) will intervene to ensure that Equifax takes appropriate action to correct these violations and comply with the FCRA and TILA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I called Caliber Home Loans to inquire about the option to refinance. The loan had recently been sold to them from another mortgage company. The lady on the phone asked what my reasoning for wanting to refinance and I told her to lower the interest and payment. She said that there were options available and directed me not to pay the next few payments in order to be put in the program to lower my rate and payment. I was lead to believe that I was going to be going through a refinance. Starting in XX/XX/XXXX I was instructed to pay a lower payment amount for 3 months and then they would finalize the payments and interest. They had put me into a forbearance and loan modification. When I called and asked what this meant they said this was the only way to get the lower interest like a refinance. I had no idea I was not getting a refinance. I paid the payment for 3 months and they extended it for another 3 months through XXXX. Then they said they were going to finalize everything and not to pay XX/XX/XXXX. In XXXX I found out my house was in the paper as being auctioned off on XX/XX/XXXX. I called and they said I had not made a payment since XX/XX/XXXX and my house was being foreclosed on. I paid almost {$13000.00} to have my loan reinstated and have been fighting this issue with them since XX/XX/XXXX. They finally reported that my loan status was ok for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX but they will not budge on the other months. I was told by them and followed instruction by Caliber Home Loans to not pay for those months. I had never missed a payment with the other mortgage company or with them prior. This is predatory lending and they coerced me into a loan modification under the guise of a refinance.
Product: Debt collection

this company called and was told they have wrong number and to stop calling. but they call up to 15 times daily
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against EQUIFAX for furnishing inaccurate information to my consumer credit file. It is imperative that EQUIFAX always has the most accurate information in my credit file. By furnishing these inaccuracies, EQUIFAX is in direct violation of 15 USC 1681b ( a ) ( 2 ) because EQUIFAX has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. Please delete the following inaccurate ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Enclosed are : Letter sent to EQUIFAX, EXHIBIT A SHOWING CORRECT ADDRESS, Passport card AND SSN FOR IDENTIFICATION Identity Theft Report WITH UNAUTHORIZED INQUIRIES AND INACCURATE ADDRESS
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report. These 6 unauthorized accounts and 18 inquiries were added without my knowledge or consent, and immediate action is needed to correct this. 

Accounts - 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am requesting the prompt removal of these fraudulent items to ensure the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this XXXX? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed and faxed a copy of my police report to portfolio recovery to show the account was opened due to fraud but I have not received a response and it is still on my credit report.
Product: Money transfer, virtual currency, or money service

It's coinbase account under review from XXXX of XXXX many times I make support ticket and after few days I got email your issue resolved but nothing changes still my account under review means I can't withdraw my money can't transfer my XXXX assets here are the support ticket numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> 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: Checking or savings account

I transferred money from my IRA to my checking account both at Bank of the West. BoW failed to transfer the funds and wrongfully dishonored three checks. B o W did reverse fees but refused to compensate me for costs incurred and damages suffered.
Product: Debt collection

There has been a collection that got posted on my credit reports from a frivolous called debit collectors ( Receivable Performance ), I never heard of this scam agency nor that I ever had any contracts with them or ever signed any documents or agreements with them or ever heard of it. I want this scam to be taken off my credit reports immediately. they posted their scam on XXXX credit bureau and XXXX  credit Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

The account status states open and the account is in collections This is not within FCRA compliance and I would this account removed immediately
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX Balance : {$70000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX and XXXX  XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to XXXX, XXXX, and Equifax to dispute to 2 public record accounts ( bankruptcy ), 2 collection accounts from XXXX XXXX and 16 inquiries in total which is in violation of FCRA 15 USC 1681b ( a ) ( 2 ) : ( a ) 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.

This is also a violation of FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681a ( b ) defines person as : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

I am the consumer in fact and I never gave anyone permission to furnish my information. No consent is identity theft. 
The person or persons who invaded my privacy are fault via FCRA 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE IS TRYING TO OPEN AN ACCOUNT UNDER MY NAME. I CALL THE COMPANY. I CANT GET THROUGH ITS AN INQUIRY FROM XXXX/XXXX  I DID NOT AUTHORIZE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports these creditors have violated my rights.

Permitted Uses : My credit report can only be accessed for specific purposes, including : To evaluate my creditworthiness for credit applications. 
For employment screening ( with my consent ). 
For insurance underwriting. 
For account review or collection of an account. 
Consumer Consent : My permission is required for a consumer report to be obtained for employment purposes.

Disclosure : If my credit report is used against me ( like in credit applications ), I must be notified and provided the name of the credit reporting agency that provided the report. 

I have noticed these companies and requested proof of an application or written consent provided by me to allow them to furnish inquires on my credit report or access my credit report. 

I have been a victim of Identity theft and there have been several attempts to access my credit reports and open accounts in my name by unknown people. My mail has not been being delivered, although I pay for informed delivery services via XXXX, the mail scanned at the post office has not been being delivered. I have had a break in of my vehicle where valuables ( XXXX, Laptop, Portable hard drive ) were taken that stored my personal information. Since, I have been receiving bills for accounts I did not open, and I have had fraudulent transactions in my bank accounts. I also have received notices from multiple companies stating that my personal information had been leaked in a data breach. I The privacy events have severely impacted my credit score in a negative way.
Product: Debt collection

I have a debit collector called XXXX XXXX contacting me in reference to a debit from a company XXXX XXXX which referes from XXXX XXXX. 

I am currently a XXXX XXXX customer, I have no issues with pending debit from XXXX, I have contacted XXXX to clarify if there are any pending debit under my name since my account is up to date. I have no received any communication from XXXX or XXXX in reference to a pending debit. 

Here is the email I received from now XXXX XXXX. I feel extremely stressed by this since it is affecting my credit over money I do not own. 
Our information shows : You had a XXXX XXXX account from XXXX XXXX with account number of XXXX. Your JCS Reference Number is XXXX. 

As of XX/XX/XXXX you owed : {$XXXX} Between XX/XX/XXXX and XX/XX/XXXX You were charged this amount in interest : {$XXXX} You were charged this amount in fees : {$XXXX} You paid or were credited this amount toward the debt : {$XXXX} Total amount of the debt now : {$XXXX}
Product: Debt collection

I was informed of a pending garnishment, prior to that i was contact by a scam artist that told me about the debt. I have contacted both parties to gather more information. They say that i have been sent everything they have. I asked for the fees in writing and i was told that is not a option. According to Olson Shaner I will be garnished for this amount that i am disputing. This debit is form 2008, it has taken them almost 9 years to collect. I have tried and tried to gather as much information i can about this debit and yet all i have is a dental ledger and some notes. Company is not willing to assist me with any other data. This is not listed at all on my credit report anywhere. I have attached the document in which they say i owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 items 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 items : XXXX XXXX, IXXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX Court : USDIST CT, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXXXXXX XXXX Inquired onXXXX XXXX, XXXX, XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that I would received results within 30 days when I file my first complaint. It has now been 40 plus days and I still haven't received anything so I guess it ok for them to LIE to me and just ignore my request
Product: Credit reporting or other personal consumer reports

I contacted XXXX yesterday at XXXX XXXX  and Experian XXXX XXXX. I was instructed to contact each one, as many times before concerning information about Bankruptcy reporting. Bankruptcies dont report to the credit bureaus. XXXX said they have removed from Credit File. Then Experian said XXXX is not responding to none of there messages. It is just a back and forth issue between the two companies. Experian said I did not know what I am talking about. Also, saying no information was received from me. I sent paperwork to them by certified mail and sent by regular mail. These two companies has crooks working for them not knowing what they are doing. Person should not have to keep contacting them so many times. My next step is to contact attorney concerning these two companies.Experian sent me paperwork saying they cant verify who I am I sent all that information to them to. Even two bankruptcies.
Product: Credit reporting or other personal consumer reports

There is one account reporting on my credit report incorrectly, the account number for the account is XXXX. Date the account was opened XXXX Date the account was closed XXXX. This account and this account only must be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

there are fraudulent and unauthorized inquiries on my report
Product: Checking or savings account

I am supposed to have overdraft protection but the company still allows funds to be deducted causing overdraft fees. Not to mention them showing funds in my account then when I update later after spending said funds I end up with an overdraft fee