23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX we submitted a borrower request to cancel Mortgage insurance on our mortgage. We were told by loan servicing rep that we were eligible and that their system showed our LTV at 78.3 % of our original value and loan. thus they would automatically be dropping the MI. I have followed up numerous times and each time I get the run around. after emailing back and forth and also speaking with customer service reps they sent me an email needing proof and authorization from my husband that I am authorized for SHellpoint/New Rez to speak with on behalf of him. I find this to be a major violation on their part, after he fact. Granted I am not on the loan and have stated so since so inception. I disclosed the fact that I am the wife and after all that time and the divulging of personal information on multiple occasions they finally want to identify my relationship. A bit too late as the violation already occurred long before any attempt to seek authorization. Lucky for them It is me and not someone else, We sent the auth on XX/XX/XXXX. that said, I spoke to an agent last week and was told it would be a 7-9 days to fully remove the MI and that they had an automated valuation done in the system so no appraisal was needed. Today when I called again, I was told we XXXX requires a full appraisal when in fact the guidelines for XXXX only specify a BPO not a full URAR. I am beyond upset at the lack of professionalism all around, in not seeking permission 1st before releasing relevant information via phone and email and about the contestant run around with regards to cancelling our MI. We have been trying to locate a number and email to complain directly with the office of the President for ShellPoint /New Rez but can not seem to locate any such intel on their website. Our complaint is twofold : 1 ) Lack of authorization requested upfront to disclose intel.  We are newly married. 
2 ) Lack of professionalism in handling a simple borrower requested MI cancellation when XXXX says a min of 5 Years in loan with on tie payments and a LTV < 80 % we meet this criteria and want Shellpoint to remove our MI immediately. We were told XX/XX/XXXX and now they want a full Appraisal which will force us into XX/XX/19. I do not feel we should be charged for their incompetence. They need to rectify this ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

After calling equifax, XXXX, and XXXX on many different occasions to resolve my childsupport being reported as owed and it is not owed they are still violationing my rights per the FCRA by reporting the false information. They are also hurting my chances of obtaining any credit by falsely reporting incorrect information. I sent faxed XXXX and equifax the letter my case worker sent me stating that I do not owe anything and I also uploaded it to XXXX but once calling XXXX they said they didnt receive it. XXXX and equifax are saying they cant delete it with the letter which is proof that I do not owe anything in childsupport. I have paid on time for several months and I became current in XX/XX/XXXX. XXXX told me to get in touch with my case worker again to see if she did her part. She insured me that she has done everything she needed to do and its the credit bureaus that havent done their part. By reporting this childsupport not only are they violating the FCRA rules and regulations but they are also hurting my character. I have tried calling and calling the credit bureaus to resolve this promblem on numerous of occasions and they have yet to comply with the FCRA rules. The credit bureaus can not continue to report inaccurate information on my credit file. The law is very clear as to the civil liability and the remedy available to me, FCRA 616 & 617.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian showing credit score decreased to XXXX of XX/XX/2023. I will attach 3 credit reports from my Experian credit file that will show that my credit score not being adjusted after removed items found on my credit file. Also, the late payments with XXXX XXXX XXXX XXXX which shouldn't be reported on my credit file per frca 15 U.S. Code 1681a ( 2 ) ( i ) ( 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 ; 15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.
Product: Mortgage

THIS LOAN WAS SOLD TO SETERUS BY XXXX. THE STATEMENTS WERE MAILED TO MY ADDRESS INSTEAD OF MY PO BOX IN XXXX. THERE IS NO MAIL DELIVERY TO MY ADDRESS OR ANY IN THE TOWN OF XXXX, ONLY PO BOX DELIVERY. I DID NOT GET THE STATEMENTS AND, THEREFORE COULD NOT PAY THE BILL. I WAS NEVER LATE ANY OTHER TIME. IT SHOULD NOT BE REPORTED AS A LATE PAYMENT.
Product: Payday loan, title loan, personal loan, or advance loan

I REQUESTED A LOAN ABOUT THREE WEEKS AGO, I GOT A LOAN OF XXXX AND MADE A PAYMENT A WEEK LATER XXXX I NOTICED THAT THE AMOUNT KEPT GOING UP SO I CALLED TO TRY AND MAKE A FULL PAYMENT OF THE LOAN TO BE SCHEDULED FOR SATURDAY ( TOMORROW ) and the representative said they cant do that and to call on Monday to have the payment made however it will be more that XXXX that I will need to pay. they never gave me the exact interest rate that I was supposed to pay daily or nothing of that information.. their online system to make payment doesn't work.
Product: Credit card

I have two credit cards with annual fees totaling {$490.00}. Despite getting approved for both accounts, paying the membership fee and keeping the accounts in good standing, Capital One regularly restricts my access to my own accounts " for security reasons '' even though there haven't been any security concerns on either cards since account opening. This wouldn't even be an issue if the verification process didn't take up to 10 business days and didn't include the uploading of my ID documents, bank statements and even my social security card on a regular basis. This verification process has been completed 10-15 times in just a little over a year since I'm a Capital One customer, resulting in me not able to use my cards and earn points for any larger transactions ( which are well within my credit limits ), which is a privilege that I pay almost {$500.00} per year for. I fully understand the security on these accounts is crucial, but when the account is flagged this frequently, basically every time there is a purchase larger than XXXX dollars, with the same transaction getting blocked twice in some instances after the verification was already completed for the specific case. I even tried to call in before making larger purchases, but was told that there is no way to pre verify a purchase. Unfortunately, as both of my accounts are currently restricted, I had enough of this. If this matter is not resolved in a permanent manner, I will seek to take the necessary legal steps to ensure that I receive the service that I pay for with the assistance of my attorney and also explore options to close or downgrade my current accounts to take my business to other institutions where my accounts can be used as intended. I attached the records of instances where I received email requests that I have, this doesn't even include all of the times this had to be completed.
Product: Credit reporting or other personal consumer reports

I trust this email finds you well. I am writing to follow up on my previous communications regarding the fraudulent items on my credit report. Despite our ongoing efforts and the assurances provided, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit report. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. 

I understand that resolving cases of fraud can be complex, but it is essential that we work together to resolve this matter promptly. Your cooperation and assistance in this regard are highly valued. With this, I am asking for your assistance to remove these fraud items in my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been diligently trying to rebuild my credit since XXXX ... I have disputed / reported many discrepancies & have successfully removed a lot of them ... however, there are presently 2 items within the 3 credit bureaus that are inconsistent ; a collection is removed by both XXXX XXXX Equifax, but it is still on XXXX ... a medical collection is removed by XXXX / XXXX but still appears on Equifax... finally, my length of credit history is inconsistent for all of them ; XXXX is the only bureau that recognizes that I had a Dept. of Education loan that closed back in XXXX, yet all 3 bureaus insist my score age is only XXXX XXXX old. I had messaged XXXX prior to this complaint, and was told by an employee " I dont have access to your XXXX account '' to which I was astonished by. I have a Fair rating as of XX/XX/XXXX and feel these inconstancies are preventing my score from being Good to Very Good. 

As previously mentioned, I think as an individual I've done all I can with trying to resolve said issues with the 3 individual agencies and the CFPB. I think now would be the time it'd be worthwhile to seek professional advice / action.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately 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, credit repair services, or other personal consumer reports

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

A claim was submitted on XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX for wrongful credit reporting acts according to FCRA guidelines, violations of the SCRA and violation of OCC charge off guidelines by National Auto Finance Company. The Case numbers are XXXX and XXXX. Ally responded for the complaints on behalf of National Auto Finance Company and deleted the trade line from XXXX XXXX XXXX credit profile ; however, DID NOT delete the trade line from XXXX XXXX XXXX credit profile. The account in dispute was a joint account and the non-monetary relief should have been for both credit profiles. As of XX/XX/XXXX XXXX is showing 2 separate charge offs for XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX which is clearly an additional violation of FCRA as Ally responded on XX/XX/XXXX on both cases that they requested the consumer credit reporting agencies to update their records regarding the account and have the trade-in deleted based on the date of the first delinquency. This action was only requested for XXXX XXXX XXXX and not for XXXX XXXX XXXX which needs to be rectified immediately! This was a joint account the same non-monetary relief should have been given to the co-applicant, XXXX XXXX XXXX.
Product: Checking or savings account

I used B of A electronic banking to pay a B of A credit card bill of {$1000.00}. In paying the bill from my B of A checking account, their electronic banking system made three debits to my account for {$1000.00} ( totaling {$3200.00} ) when only the payment to the BofA credit card account should have been made. The banks representative apologized but said the wrongfully withdrawn funds would not be returned to my account for 10 days with no financial consideration for the loss of use of these funds. I asked to speak to a supervisor at B of A but was refused. The loss of the funds would have caused me to be delinquent on other payments had I not transferred addition funds into my B of A account.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605 if the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have also attached copies of my id.
Product: Student loan

Navient I called Navient on XX/XX/XXXX to inquire about making additional payments on my student loan. The rep and I discussed how my payments were being applied and when it would be best to make the payments every month based on accrued interest and such. 1st problem, she told me that my entire payment was going to accrued interest since my accrued interest had not been paid off, which is not true. For the loans that still have accrued interest, the portion of my payment is going to the interest, but the rest of my payment is going towards a mix of principle and interest for the other loans. I ended the call feeling like I got most of the information I needed. 5 days later, I get a notification that Navient was raising my payment by {$140.00} a month. I called in today to figure out what happened, and the gentleman I spoke to said that in the notes it showed that, on XX/XX/XXXX, I had requested to be removed from my income based repayment plan, and because I did n't send in the proper paperwork, they raised my payment to {$440.00} a month where it used to be {$300.00}. At no point during my conversation with the girl on XX/XX/XXXX did I request to be removed from my current payment plan. That request was put in without my consent or my knowledge. The gentleman I spoke to today put a request in to get my payment plan reinstated, so the issue should be resolved, but the rep I spoke to on XX/XX/XXXX made changes to my account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't check my credit report often but I went to go buy a car weeks ago and the salesman advised me I was declined for a auto loan. When he told me what was on my credit report I started investigating. Someone on the West Coast XXXX XXXX and California has been using my identity. 1. XXXX  XXXX is based out of the West Coast no offices in the south and I live in Alabama. This is fraud - identity theft 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX this place is located in XXXX XXXX Nevada - fraud - identity theft XXXX. XXXX XXXX - identity theft fraud someone ordered merchandise and had it sent to a Nevada address this is fraud - identity theft Also there are Nevada address on my credit report that shouldn't be there I never lived in Nevada. Also XXXX area code phone numbers not my numbers please remove these addresses and phone numbers. 
4. XXXX XXXX XXXX XXXX- this account appears to be opened on line and not my debt! Fraud. 
Inquiries XXXX financial - not authorized fraud inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I uploaded a police report and expect these items to be removed immediately from my credit file
Product: Credit reporting or other personal consumer reports

Originally on XX/XX/year>24 I obtained my credit report from you and there was a Bankruptcy XXXX item listed. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they MUST remove said information from the consumer credit file. 

On XXXX/XXXX/24 Experian sent a response for my dispute indicating " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' After 3 months of resolving this issue with Experian they are STILL reporting inaccurate, unverifiable information on my credit profile. 

XXXX, is your source of record, which is also indicated on their website, also completed a reinvestigation and concluded that this alleged record is unverifiable after research was completed via PACER and as a result was deleted from my profile record. ( see attached ). 

Even at the bottom of your reinvestigation report " Experian Report Clause '' you indicated that its a violation for credit bureaus to report unverifiable information and they must delete it per the FCRA. 

I even went to the extent to request a contacting the Bankruptcy Courts in regards to this issue and they sent me a letter, which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the XXXX Bankruptcy XXXX system due to the XXXX XXXX XXXX XXXX PRIVACY LAW. 

My inquiry to the XXXX Bankruptcy XXXX confirmed XXXX, XXXX and Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may and oftentimes are, reported by third party sources unaware to the consumer, and is in most cases, incorrectly. 

So WHY is Experian STILL reporting this information if THREE different legitimate sources of truth have concluded that this data is inaccurate??? 

This is a violation of the Fair Credit Reporting Act and this record must be PERMANENTLY DELETED from my credit report IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was researching my credit report as I do every month and noticed an account from XXXX XXXX. It stated that there was a late account from XXXX XXXX. I called XXXX XXXX and they stated this account was opened in my name in 2014. On top of that is was even prior to my XXXX birthday. I already had this dispute removed with XXXX in the past but for some reason this came up again. I supplied them with my state id, drivers license and birth certificate.
Product: Checking or savings account

In XXXX, 2024 I set up an estate account for my mother 's estate. I was promised ( and signed for ) a higher interest " bump account ''. The interest rate was not calculated correctly and I have been waiting since XXXX for the correct amount to be applied to the estate account. Per the probate court, we should have dispersed the money to the beneficiaries by last Friday, XX/XX/2024. I have been in contact daily with the bank manager and her manager who have been unable to get an amount calculated by their interest department.
Product: Credit reporting or other personal consumer reports

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, On my credit report there are some hard inquiries that did not permissible purpose. Can you reinvestigate the inquiries listed below? I have also attached evidence. 
XXXX. XXXX XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 2. XXXX XXXX, XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 3. XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b XXXX. XXXX XXXX, XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be in my report. Delete this inquiry due to violation of 15 USC 168 1b Once you have deleted the hard inquiry from my credit report, please send me a copy of my updated report.
Product: Mortgage

On XX/XX/XXXX I received a Notice of Acceleration of Maturity that was delivered by certified mail from Ocwen Loan Servicing ; LLC stating that under the Deed of Trust my home is scheduled for foreclosure on XX/XX/XXXX. Ocwen was not the loan originator. XXXX was the first lender, then sold to XXXX XXXX, GMAC, Ocwen. I believe the loan was sold at least four times and the amount owed kept increasing. After calling the loan servicing agency ( Ocwen Loan Servicing, LLC ) I still could not get a clear understanding to why the amount owed increased shy of {$70000.00} on a less than a {$47000.00} loan that originated in XXXX. I never received a copy of the loan documents ; communication with Ocwen Loan Servicing was difficult. 1. Never receive copys of paperwork 2. Everything was verbal up until now 3. Mortgage increasing without explanation 4. Refused copies of the loan told I would have to pay a fee 5. I stop paying in XX/XX/XXXX because I needed correct information. Never had a problem until Ocwen took over the loan 6.I am current XXXX  XXXX. I asked about Servicemembers Civil Relief Act ( SCRA ) to no avail 7. Language barriers and misinformation given 8. I am alleging redlining even when I tried to address my default