23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom it May Concern : I am writing to express my deep disappointment and frustration with the lack of accommodation for my XXXX by United Wholesale Mortgage services by XXXX XXXX. As a valued customer, I expected better treatment and understanding of my situation. 

Unfortunately, despite my repeated attempts to communicate my needs, XXXX XXXX  has failed to provide the necessary adjustments to accommodate my XXXX. As outlined by the Americans with XXXX XXXX ( XXXX ), it is imperative for companies to make reasonable accommodations for individuals with XXXX to ensure equal access to their services. 

Specifically, I have requested alternative methods to pay my mortgage that dont include having to be visually abled, accessibility features in online platforms. However, these requests have been consistently disregarded or dismissed by your company. 

This lack of accommodation has not only caused me undue stress but has also put me at a significant disadvantage in managing my mortgage obligations. On XXXX XXXX, I attempted to make a payment even though my vision was failing and I have previously asked repeatedly for an accommodation. As a result, I am left feeling marginalized and unfairly treated by XXXX XXXX. My mortgage was marked as late because I accidentally entered my account number incorrectly. This would NOT have happened if I were provided with an accommodation. Now it has impacted my credit and I dont think I should be penalized for being differently abled. 

I urge you to take immediate action to rectify this situation by implementing the necessary accommodations outlined in my previous correspondence. Additionally, I request a formal apology for the inconvenience and discrimination I have experienced due to the negligence of XXXX XXXX 

Failure to address these concerns in a timely and satisfactory manner may compel me to seek further action, including legal recourse, to ensure my rights as a person with a XXXX are upheld. I trust that United Wholesale will take this matter seriously and prioritize the needs of all customers, regardless of their XXXX status. 

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

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX service has violated my rights. 

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.
Product: Payday loan, title loan, personal loan, or advance loan

I BELIEVE THE TERMS LISTED IN THE LOAN AGREEMENT VIOLATE STATE LAWS REGARDING PAYDAY LOANS. 

XXXX XXXX XXXX OHIO : A licensee may charge, collect, and receive only the following fees and charges in connection with a short-term loan : ( A ) Interest not exceeding a rate of 28 % per annum ; ( B ) ( 1 ) Except as otherwise provided in division ( B ) ( 2 ) of this section, a monthly maintenance fee that does not exceed the lesser of 10 % of the originally contracted loan amount or {$30.00}, provided the fee is not added to the loan balance on which interest is charged ; ( 2 ) A licensee shall not charge, collect, or receive a monthly maintenance fee if the borrower is a person on active duty in the armed forces of the United States or a dependent of that person.

( C ) If the originally contracted loan amount is {$500.00} or more, a loan origination charge in the amount of 2 % of the originally contracted loan amount, provided the loan origination charge is not added to the loan balance on which interest is charged ; The interest rate on my loan far exceed this at 780.45 % The amount financed : {$600.00} 28 % on top of {$600.00} = {$760.00} I have paid {$830.00} in 5 payments over the span of 2 months. 

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 
According to Ohio state law, payday lending is legal. 
Ohio has a {$1000.00} payday loan limit. Payday loans can be taken for the period from 91 to 1 year with a maximum interest rate of 28 % ( APR ). One loan at a time is allowed. No rollovers are allowed. Criminal actions are prohibited. 

I am going to need some kind of response regarding this, it seems the terms are illegal and I will be seeking legal guidance or potentially a lawsuit/ bankruptcy to deal with this. 

Please reach out promptly. 


( message I wrote them ), I am being charged what appear to be illegal rates
Product: Debt collection

Original Creditor : XXXX XXXX XXXX XXXX Collection Date : XX/XX/XXXX High Credit Term {$8500.00} Balance Owed as of XX/XX/XXXX {$21000.00} Do not owe this company and have repeatedly hit my credit report every month since XX/XX/XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent reporting of the XXXX XXXX XXXX XXXX account # XXXX on my credit report. This account is reported with significant discrepancies across the three major credit bureaus, which are misleading and damaging to my credit profile. The following inconsistencies have been identified : High Credit : XXXX : {$25000.00} TransUnion : {$25000.00} XXXX : {$0.00} Last Active Date : XXXX : XXXX XXXX : XXXX TransUnion : XXXX Account Status : TransUnion : Paid Profit Loss XXXX : Paid Charge Off XXXX : No status listed Payment Status : XXXX : As Agreed XXXX : Collection or Charge Off TransUnion : Collection or Charge Off Late Payment Status : XXXX : Was 30 Days Late 3 Times, Was 60 Days Late 3 Times, Was 90 Days Late 2 Times XXXX : Was 30 Days Late 3 Times, Was 60 Days Late 3 Times, Was 90 Days Late 21 Times TransUnion : No late payments listed These discrepancies indicate that the information being reported is inconsistent and inaccurate, violating my rights under federal law. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies ensure the accuracy of the information reported on consumer credit reports ( 15 U.S.C. 1681e ( b ) ). The inconsistencies in the high credit amount, last active dates, account statuses, payment statuses, and late payment history clearly violate this provision. Additionally, under 15 U.S.C. 1681c ( a ) ( 5 ), accounts that have been charged off or placed for collection must be reported accurately, which is not the case here. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the account status as a collection or charge off, especially when XXXX lists the payment status as As Agreed, may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inconsistent reporting across the bureaus also raises concerns under 15 U.S.C. 1692f, which prohibits unfair practices in debt collection. 

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the XXXX XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. I also request that you provide me with an updated copy of my credit report reflecting this correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 XXXXXXXX XXXX BANKRUPTCY REF XXXX XXXXXXXX, XXXX XXXX BANKRUPTCY REF XXXX XXXXXXXX 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.
Product: Mortgage

So I got behind on my payment 2 months. I contacted mortgage company about my financial hardship. They told me I was not on mortgage I told them that XXXX XXXX  XXXX was aware of my father 's death 10 yrs ago before they sold Carrington the mortgage. Carrington then bounced me around to 3 different people that had no idea what the other was doing. Carrington then had me submit death certificate and other paperwork, which I did. Then they had me submit other paperwork that would end up not being what they needed. I was trying to get loss mitigation paperwork filed, but they kept telling me that I'm not on mortgage so they can't speak to me about mortgage. All the while time was going by getting closer to auction date. I wasn't offered covid relief program or nothing. I kept filling out paperwork they would send then they would tell me it wasn't the correct paperwork. This went on for 4 months. They had no problem cashing my personal checks for XXXX yrs for mortgage payments, but can't tell me my options or even speak on loan situation. They also quit excepting my payments. I have all our email correspondence saved that shows the negligence of Carrington and how they illegally sold my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Credit Report address on my credit I never lived at want remove
Product: Credit reporting or other personal consumer reports

Several names that are listed under my account that is wrong. Either in the wrong order or spelled wrong. asked them to remove it. 
Accounts under. A few months ago it had me listed living in Arizona, I have never lived in AZ. I feel that I am a victim of Identity theft and they changed the spelling of my name. I have collection accounts listed that are not mine. I asked them to send me the contract between parties to validate the debt, and I have not heard back or seen any documents. Asked them to delete them under the 15 US Code 1692 g and 15 US code 1981 c
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report I XXXX XXXX Noticed multiple Inquiries I did not authorize. I have contacted all creditors that I found on my consumer report. Creditors stated that I was to file a Report notifying all officials of incidents.
Product: Credit card or prepaid card

American Express decided to close the corporate credit card of our company without any reason. I have discussed this by phone, but nobody seems to be allowed to give an answer. I have asked to be communicated with somebody at management level who is able to give an answer, but you simply dont get one. We are clients for more than 10+ years, maybe even 15+. We have always paid our bills timely and completely. What are our rights as a consumer? It just feels so bad to be treated this way and that you do not receive a honest answer, it feels very unfair. We handle important provider payments through this credit card. Now we have to run to try to fix this and make sure our business will not be affected. I feel so badly treated and I consider it very important that awareness is created of how American Express truly operates. 

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

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft! I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible
Product: Credit reporting or other personal consumer reports

I requested for accounts and address to be deleted due to identity fraud. The company claimed they validated the accounts which is false. Also I asked them to provide me with documentation of how the accounts were validated which they neglected to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/13 Balance : {$0.00}. Please remove this fraudulent account ASAP.
Product: Credit reporting or other personal consumer reports

I have a lot of hard inquiries in my credit report I don't recognize them I have 14 I only know 3 XXXX XXXX XXXX XXXX XXXX XXXX  I don't know where the others came from my credit is low too much hard inquiries affected my score can u delete the rest cause I don't know where they came from I need my score to grow so I can buy a house The place I just mentioned is the only place I go to buy a card I need help
Product: Mortgage

LAEVIEW LOAN SERVICING is collecting {$5.00} dollars in my account because I did my payment in XX/XX/2020 and my dispute is because They do not explain me nothing about this charge the only explain was that is their rule. 
My payment is on time is not past due.
Product: Debt collection

The past year, I have repeatedly contacted the collection agency ( Diversified Consultants ) to dispute the account information on my credit report. The company ( Diversified Consultants ) would not provide details on the accounts. I sent the company ( Diversified Consultants ) documentation that the debt was not a verified collection as I contacted the original creditor for information. The original creditor could not verify the debt and sent information to the credit bureaus to remove the information from my credit reports. The debt collector ( Diversified Consultants ), despite this, still has the alert on my credit report.

I have contacted them on two separate occasions by phone but was told they would not remove it.

On XX/XX/2019, I requested via written correspondence sent certified mail to the debt collector ( Diversified Consultants ) to provide all information associated with the debts so I can do further research. As of today ( XX/XX/2019 ), the debt collector has not provided documentation regarding the debt to me in written form.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion received my identity theft report and letter on XX/XX/2024. However, they have put a 30 day dispute time limit on my identity theft instead of removing all accounts I listed in my identity theft report. Per the cfpb website when it comes to identity theft the bureaus have up to 4 days to block or remove information listed and inform the creditors of the identity theft report. Not investigate for 30 days. I am seeking {$5000.00} a day for every day past the 4 days they had to remove or block fraudulent accounts as well as remove all accounts and late payments in my identity theft report and letter immediately. They have violated my rights and I have called several times and they have assured me they only have to provide a response to me within 4 days and not actually block/remove identity theft accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN under 15 USC 1681 is an ELABORATE MECHANISM that ASSUMED its role to report on consumers. EXPERIAN is DEMANDED to exercise their GRAVE DUTIES to report on consumers accordingly to the FCRA with RESPECT and ACCURACY. EXPERIAN has in fact FAILED to EXERCISE THEIR GRAVE DUTIES and are in violation under Federal Law. EXPERIAN has violated 15 USC 1681a ( 1 ) ( 2 ) which states " The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report '' EXPERIAN has included such accounts on my consumer report. EXPERIAN is in violation under 15 USC 1681c ( a ) ( 4 ) which states " Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' EXPERIAN has included such account in my consumer report. I DEMANDED removal of these accounts and EXPERIAN has instead CONDUCTED A FRAUDULANT REINVESTIGATION and has stated VERIFIED. I DEMAND under definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i EXPERIAN to provide the NAMES & ADDRESSES OF THE PEOPLE THEY PERSONALY INTERVIEWED TO VERIFY THE INFORMATION by XX/XX/23. If EXPERIAN CAN NOT provide this information, they SHALL delete the demanded accounts IMMIDIATELY. This accounts are not in dispute but are a violation under the FCRA. EXPERIAN has committed fraud for conducting a none requested Fraud Reinvestigation. EXPERIAN is liable under 15 USC 1681n and 15 USC 1681o for Federal Law violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 has violated my rights .

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

On XX/XX/XXXX, I called Freedom Mortgage customer service to inquire about the PMI for my converntional mortgage. I explained that I'm closing in on 80 % LTV and that I'm confident that if I had my house appraised it would appraise higher than the initial value and push the LTV below the 80 % mark. They looked into the account and then instructed me to send an email to customer service to start the process. After submitting the email I received a letter in the mail stating the steps to complete the appraisal of my house and the conditions that had to be met. In this letter it clearly states that the appraisal must demonstrate a Loan-To-Current-Value ration of 80 % for loans aged greater than 5 years. 

The appraisal resulted in the following : Sales Comparison Approach : XXXX Cost Approach : XXXX The conservative value of XXXX was used as the official value of the appraisal which placed the LTV at 77.01 %. 

I received a letter on XX/XX/XXXX stating that after a review of the account, the request to remove PMI was unable to be approved. The reason being that a LTV of 75 % was required. I have made four calls to customer service to gain clarity on what the requirements are and also to understand what the age of my loan is. Neither question could be answered satisfactorily. From my point of view the request was denied with a stated reason that contradicts the attached letter stating the requirements. When I asked to speak with someone that has knowledge of how the PMI requirements work I was told that they do not take calls and there is no way to contact them. 

In addition I have completed 70 payments on my mortgage promptly and in excess. The best answer I have received to date is that my mortgage is not greater than 5 years ( first payment XX/XX/XXXX ). Proof has been shown that value of the house has increased and I have excellent credit. I have tried to explain to Freedom Mortgage that my mortgage being 70 months old is actually greater than their requirement of 60 months but they disagree. 

As a consumer I should not be billed for unnecessary private mortgage insurance. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this account with LVNV Funding, and they informed me that this account will be deleted from my credit. 
However, that hasnt taken place and the account is still reporting on XXXX. 
Please honor your end of the agreement and delete the account from my credit.