23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my home in XXXX with PMI payments. At time of refiance the appraised value was {$300000.00}, loan amount of {$250000.00} ; current outstanding balance is {$220000.00}. I spoke with representative from NewRez Finance who is handling my mortgage to remove my PMI. I was told that I could not remove my PMI unless I refinanced with 20 % down payment and less than 80 % ltv. 

He stated that after XXXX, the law changed. I would have had to put down 20 % and be below 80 %. Otherwise, I am stuck with paying PMI until I refi with 20 % down and less than 80 % .Therefore, I can not remove PMI for the duration of my mortgage. 

How can this be possible? Please advise
Product: Credit reporting or other personal consumer reports

Car loan Mature Date was XX/XX/XXXX. However it is being reported that there was a missed payment on XX/XX/XXXX. XXXX/Transunion/XXXX is inaccurately reporting this information. In XX/XX/XXXX there was no late payment. I am requesting this to be removed. I have also spoke to XXXX XXXX ( Bank ) and they also acknowledge there is NO late payment in XX/XX/XXXX.
Product: Student loan

I received a call from the number ( XXXX ) XXXX - XXXX from XXXX XXXX, CA on XX/XX/2019. They told me I was pre-approved for a student loan forgiveness from Student Loan Direct. They asked for my name, my burthday, and for my FAFSA log-in information. The employer was XXXX XXXX. His personal work phone number is ( XXXX ) XXXX-XXXX He even asked me for my password for FAFSA, and I told him I did not remember, so he reset it for me and made his own password. 

He then told me my total loan amount was : {$38000.00} and after interest it would be {$61000.00}. He said if I made four monthly payments for {$250.00}, I would then be put in a program that would allow me to pay {$0.00} for 240 months. After the 240 months, my ENTIRE student loan would be pay off at the total of {$60000.00}. 

They then sent a contract to my email, and asked me to sign on the spot without having the chance to read and go through. They asked for a debit/credit card that I can make the monthly payments. They did keep repeating that they had nothing to do with the Department of Education and that they needed to submit my application first.
Product: Bank account or service

My friend in class XXXX reffered me to this website called XXXX, a babysitting website, and so I was told this is a legit website. I got a reply to a job posting from a women name XXXX XXXX, stating that I would help take care of her sick sister. The women promised {$500.00} in advance and {$500.00} each week for the responsiblilities. She told me she would erase the posting so no one else would get it and that she would email me. She 's been texting me of this number ( XXXX ) and told me she sent me a check and then asked if I received it and asked me to deposit it into my bank account and so I thought the check was real and deposited the check at my bank ( Santander ). I deposited the check on Friday the XXXX of XXXX 2015 and it cleared Tuesday the XXXX of XXXX 2015. She then asked me to deposit XXXX that same day for the apartment for her sister into an account by the name of XXXX XXXX XXXX ; Account type ; checkings ; Account number XXXX ; Routing number ; XXXX I deposited the money in cash and then the next day I got a call from the bank telling me the check was no good. I went straight to the bank and they told me there 's nothing they can do that I am held responsible for the funds. I am a XXXX year old college student just trying to get extra work on top of my other XXXX jobs. I just got my first car and have to pay for my XXXX college classes on my own, I pay for all of my own expenses with no help from my parents. when I went into the bank the same day they called me to tell me, a bank teller then looked at a second fake check that was delivered to me the next day I brought in for proof and she looked at it and saw right away that it was a fake check. My confusion and frustration is why did n't the bank teller that I gave the fake check to deposit not notice the same thing the bank teller noticed about the XXXX one, mind you both tellers worked in the same exact bank that this occurred. I 've been scammed and I feel as though I deserve a dispute. I have been with Santander a long time now and they wont even help me from recoving from being a victim of fraud. They are not helping whats so ever and they wont allow to even make claim.
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX refused to remove this from my Credit stating that they have validated this bankruptcy. The bankruptcy never went to judgment and attached is a letter from the bankruptcy court stating they do not report out to credit agencies I have sent letters to them and disputed with no resolve.
Product: Debt collection

XX/XX/year>, I requested to XXXX, XXXX, And XXXX to validate the debt with Pro Collect. I have not received any forms of communication, and the debt is still reporting on my credit report. This debt legally does not belong to me, and I would like this matter resolved. I have also reached out to Pro collect and received no response.
Product: Student loan

I began working for a 501 ( c ) ( 3 ) XXXX XXXX  organization in XX/XX/XXXX and have worked continuously at such an organization since that time. I have been making timely payments on my federal student loans via automatic withdrawal under an income-based repayment plan since at least XX/XX/XXXX. In XX/XX/XXXX, I submitted a Public Service Loan Forgiveness ( PSLF )  certification to XXXX, my loan servicer at the time. InXX/XX/XXXX, I received a letter indicating that my loans would be transferred to FedLoan. 

In XX/XX/XXXX, I received a statement from FedLoan indicating that I had made 67  qualifying payments toward the 120 necessary to qualify for PSLF. Because I believed that FedLoan had made an error in this calculation, I requested a life of loan payment history which I received from FedLoan in XX/XX/XXXX. This history showed, by my count, that I had made 87 qualifying payments as of XX/XX/XXXX. I emailed FedLoan in XX/XX/XXXX explaining my position and asking that they review my account, provide an explanation as to why any payments made were not counted toward my PSLF eligibility, and correct any errors that it found. In XX/XX/XXXX I received FedLoan 's response which, without explanation, indicated that the number of qualifying payments I had made had been reduced from 67 to 40. I contacted FedLoan and spoke by phone with representatives in XXXX and XX/XX/XXXX and, each time, was informed that my loan had been placed into paid ahead status some time during the preceding years and then subsequently removed from that status. Each time I spoke with a FedLoan representative, I was informed that they would conduct a review of my account and provide me with the results of that review in writing. I have received no additional information from FedLoan. 

I have never requested that my loans be placed in paid ahead status and have made no additional payments on my student loans other than those automatically withdrawn by my loan servicer. Each of those payments has been in the amount determined by my loan servicer under an income-based repayment plan. FedLoan has failed to provide any explanation as to how my account could have been placed into paid ahead status under these circumstances, has failed to explain how it determined that fewer of my payments qualified for PSLF after I disputed its initial count, and has failed to offer or make any corrections to may account so that I receive credit for the complete and timely payments that I have made.
Product: Credit card or prepaid card

XX/XX/2015 received a MasterCard from Net Spend Access associated with XXXX XXXX   which was received unsolicitated. 
Have tried, unsuccessful, to contact both Net Spend and XXXX XXXX with great difficulty in obtaining phone number and not being able to talk to anyone. Customer service number requires account number and personal social security number without which no contact. Have emailed via their site, that this card was unsolicitated and asked who authorized same. I have destroyed this card and will tell all I know to be wary of unsolicitated credit/debit/ cards.
Product: Credit reporting or other personal consumer reports

The ACCOUNTS listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : Account opened XX/XX/XXXX : First missed payment on account XXXX XXXX XXXX XXXX Further missed payment XX/XX/XXXX : I first noticed the fraudulent activity and delinquency of the account via XXXX XXXX XX/XX/XXXX : I filed a dispute with Equifax XX/XX/XXXX : Dispute completed by Equifax, reported that the account was not fraudulent which is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported inaccurate information on my account ( again ). It is indisputable that the information they furnished is incorrect, because even right now as you are reading this I am still less than 30 days past my XX/XX/XXXX due date. 

As you know, under CDIA 's reporting guidelines data furnishers are not allowed to report late payments to credit bureaus until a customer is at least a FULL 30 days past their due date, and it is illegal for them to knowingly report inaccurate information. I am a very reasonable person and I would understand if this was simply a mistake, but it is impossible for it to have been a mistake since the Metro 2 format does not have an option to report late payments that are only 1-29 days past due. So that means that XXXX XXXX XXXX blatantly and willfully ignored the CDIA 's credit reporting guidelines, which violates the Fair Credit Reporting Act, and NCUA 's UDAAP regulations. XXXX XXXX XXXX wanton disregard for fair and ethical business practices is deeply concerning, this willful misconduct has caused me significant financial injury. Prior to their first erroneous report in XXXX my credit score was XXXX and I had a flawless history, but due to their incorrect report I no longer qualified to refinance my mortgage. That prevented me from being able to lower my APR, eliminate my PMI, and shorten my loan term, which cost me tens of thousands of dollars. 

Obviously this current error is conclusive evidence that XXXX XXXX XXXX willfully violated the Fair Credit Reporting Act and UDAAP regulations, so I plan to request e-OSCAR and report them to : the Federal Trade Commission, the National Credit Union Administration, the Consumer Financial Protection Bureau, the Colorado Attorney General, the Division of Financial Services, and every public business review site. However, my number one my priority is having my credit repaired to the pre-error status, so I will give XXXX XXXX XXXX until XX/XX/2021 to settle this amicably by removing both erroneous late payment reports from all credit bureaus and permanently writing-off the remaining loan balance ( for the financial loss I Incurred ), otherwise on XX/XX/XXXX I will proceed with filing reports to the aforementioned regulatory agencies and possibly file a civil suit.
Product: Mortgage

My company Freedom Mortgage is charging me for forced place insurance for wind even though my primary policy includes wind. They charged me on XX/XX/XXXX and sent me a notice that they are going to charge me again on XX/XX/XXXX for {$950.00}. My insurance company submitted proof of coverage last year and I have submitted proof of wind coverage again this year. I have made two requests via their online message system to have this resolved and have also called once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the accounts and inquiries i have been disputing for months now. I have sent a couple of letters to the bureaus but they remain hard and insists on keeping these unverified accounts and inquiries. This is a violation of my rights so i am writing to you as a last resort. I am hope that you will hear me out and remove them. You may find them in the letters i have attached.
Product: Debt collection

Transworld systems Inc sent me a letter saying I owe about XXXX and then on the phone said I owed XXXX XXXX due to Interest charges, fees, etc. They also call me 5x a day and are very rude even though Im trying to figure out a repayment plan since I lost my job due to covid.
Product: Debt collection

I Been Getting a Bill From a Credit Card XXXX Never Used it, And Never Had One I Contact Them And Told Them That they. Are Not Ruining My Credit. Sending Me A Bill From Fake Credit Control LLC. Never heard Of Them Had Identity Thief In XXXX  By XXXX XXXX XXXX XXXX From XXXX  And He Under Investigation. By The Feds And DA And Detective. and Others Hacking My Accounts, And Phone Too. this bill is {$200.00} Wants This Dispute. My Credit Bureaus Are Locked. Since XXXX  Stolen SSN From The Fake XXXX XXXX. Never Gave Me Sevices Cause The Feds Saying Companies Are Getting Paid Offs. Never In My Life Had This Problem. Having Criminals In my House. No More. 

Hope You can Solve This. This Criminal XXXX XXXX Going To XXXX  From Fraud And ETC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Through loss mitigation at Loancare, I applied for a mortgage modification. After submitting all required documents including a quick claim deed which showed the removal of the co-borrower on my house, I received written notice of the application being complete as of XX/XX/XXXX. 
I was notified on XX/XX/XXXX that I was approved for a trial payment plan. This notification had the co-borrower 's name omitted. 
After successfully completing trial plan my modification was granted and I continued to pay my mortgage on time each month. 
In XX/XX/XXXX I was telephoned by Loancare and a representative stated that I did not return signed & notarized agreement. This was incorrect as I have the postal receipt. I called to follow up several times constantly being told someone would get back to me, this never happened. Finally after asking to speak to a supervisor who seemed very friendly and helpful I was told the co-borrow needed to sign agreement or submit proof of new deed and any other documentation. I complied and the matter was completed or so I thought. I called to make my XX/XX/XXXX payment and was told it can not be accepted. Several calls to Loancare went unresponsive as I was again told someone would get back to me. I then receive a letter stating my mortgage modification is denied and I haven't made a payment since XX/XX/XXXX which is a False Claim. Loancare breached this contract, made false claims and failed to respond to repeated request for information. Please assist as I acted in good faith and was forthright as per this agreement however I was not met with the same treatment. I'm now being forced into a pending foreclosure litigation. I thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXXXX, 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. 

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. 


In accordance with the Fair Credit Reporting act 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 an 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. 

Please note there is not actual account number listed for this account.
Product: Debt collection

I tried contacting one of the many numbers that come up online for LVNV Funding LLC on XX/XX/XXXX, also again to a different number on XX/XX/XXXX, the last time i tried, another number on XX/XX/XXXX, each time I was unsuccessful being that each number lead to some type of scam call system. I have never being contacted by this company, but tried reaching out because they come up on my credit report.
Product: Mortgage

A check for {$51000.00} was written by a third party directly to Third Federal Savings in XXXX Ohio for payment to my equity line. I was expecting a check but I did not write, see nor did I endorse the check. Third Federal received the check on XX/XX/XXXX and was made fully available for use on XX/XX/XXXX when I made a wire for {$35000.00}. It later came to my attention that the availability of the check conflicts with bank policy of {$500.00} available on the day of deposit. {$5000.00} available on the second business day following the deposit and the remaining amount available on the XXXX business day. On the XXXX business day XXXX XXXX put a hold notice on the check until XX/XX/XXXX and mailed the letter to me which I received days later. I went to the XXXX XXXX branch to attempt to recall the wire I sent but the teller did not know how to recall and sent the request to XXXX XXXX. I was told the recall failed but no confirmation the recall was performed. I continued to make larger than needed payments up until XXXX when the check was returned with a demand of full repayment of the {$51000.00}. In XX/XX/XXXX the bank started foreclosure and I hired XXXX XXXX as my attorney to resolve the problem with the bank. XXXX failed and in XXXX foreclosure granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...
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 report. XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. Please remove.
Product: Student loan

I have a parent loan through Navient. I have noticed that there are several lawsuits against them for misleading customers on repayments. I looked at my account that I have been paying on for about 11 years, and the amount I still owe is more than what I originally took the loan out for. how can I get this resolved?