23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX, XXXX, and XXXX XXXX sent denial letters for fake loan applications under my name. Fortunately, all my credit reporting is frozen and loans were rejected. Another XXXX XXXX loan company, XXXX, was successful in granting a stolen identity loan. Once alerted to the fraud, I contacted both my bank and the vendor. After questioning these companies, I found the perpetrators have all my information, including my social security number. This issue has been resolved with all money recovered. This would appear by the timing, to be a consolidated effort by the same criminals and I would ask they be prosecuted to the fullest extent of the law.
Product: Debt collection

I took out an upgrade credit line debt on XXXX XXXX. The account was transferred/closed and written off as {$3700.00} per my agreement with Upgrade after making inconsistent payments. This was due to unexpected situations such as job loss, birth of child, car accident, and increase of expenses due to inflation which has caused financial hardships. I live in a XXXX income household and have a dependent. I told Upgrade of my financial hardships and tried to make a payment plan. However, that was unsuccessful due to Upgrade requesting that I mail payments to a XXXX XXXX without any written documentation provided. Upgrade ended up selling my debt to XXXX XXXX XXXX. XXXX XXXX XXXX tried to collect my debt from XXXX XXXX XXXX XXXX. I felt threatened into making a payment plan and was told that if I do not make a payment it can go into pre litigation. Also, they made statements such as I am not trying to make a payment when I was trying to but have been experiencing financial hardships and never received documentation from them. I spoke with XXXX XXXX who is with XXXX XXXX XXXX XXXX on XX/XX/XXXX to come up with a payment plan that I could afford as my money has been very tight these past years. We agreed over the phone that I would make XXXX  monthly payments of {$55.00} and then we will rediscuss a new payment plan afterwards. XXXX XXXX sent me the form however it was incorrect as the first payment due was {$200.00} by the end of XX/XX/XXXX. I responded via email that we agreed to {$55.00} and asked for an online payment option. XXXX XXXX provided me with the website. However, the reference number did not work when I tried to logon. I sent an email on XX/XX/XXXX requesting paperwork from XXXX to ensure it is the correct amount. On XX/XX/XXXX I attempted to make a payment and noticed that the reference number is incorrect and requested paperwork to be mailed regarding what I owe and information regarding the account number. I never received a response from XXXX XXXX XXXX XXXX. A few months later I received a phone call from XXXX, XXXX, and XXXX XXXX. I asked who they were and requested documentation from them regarding my debt. I never received a response and they will just send a letter in the mail of the debt owed without sending the documentation I requested. Each time I request documentation, they never respond, call me back, or answer the phone. I spoke with someone from XXXXXXXX XXXX XXXX XXXXXXXX XXXX and they denied that I had an agreement with XXXX XXXX XXXX XXXX. They stated that I have not made attempts after that to pay the debt. Also, I was sent a warrant in debt in the mail from XXXX XXXX XXXX on XX/XX/XXXX without it actually being summoned or have a signature from a clerk on it. I am requesting documentation of the debt owed as my right.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Employers : XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, XXXX CR XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XX/XX/XXXX CFPB And XXXX XXXX XXXX. XXXX Via Online report Re : Three false reports on my credit per attachments showing all of these were reported in XXXX, more than 9 years ago and thus must be removed from my credit immediately Dear CFPB : The first attachment is my Experian Credit Report. It is five pages long and shows three false accounts, as of XX/XX/XXXX. Luckily each of these is over 9 years old,  so I do not have to show that they are false, because they are all demonstrably over 7 years old. These 3 false and inaccurate reports are circled and are XXXX XXXX, XXXX XXXX, and XXXX  XXXX. 

The second exhibit is marked Ex. B and is two pages long and this attachment shows that all of these accounts, including XXXX XXXXXXXX were reporting in XXXX, very close to the exact same amounts claimed to be owed today, over nine years later, as being either the last month with an amount NOT being past due or as being already in collections at that time. 

Here is a summary of Exhibits A and B : In XXXX XXXX claimed ALREADY owed {$10000.00} ; now XXXX claims {$15000.00}. 
In XXXX XXXX XXXX claimed {$3900.00} and now claims {$6900.00} In XXXX XXXX XXXX claimed {$920.00} and now claims {$930.00}. 
These are all the same decade old claims.The only differences are " collection costs '' or interest claims. The VAST majority of the amounts appearing on my credit in XXXX are 10 years old or more in each of these cases. 

So, the request here is simple : please confirm that the above referenced reports from XXXX, XXXX XXXX and XXXX XXXX are removed from my Experian, XXXXXXXX XXXX, XXXX, XXXX and/or other credit reports and furnish me with a letter stating the same. If I do not hear back by XXXX, I will assume that these creditors do not intend to remove these false reports -- which wouldn't even have to be false as they are over 9 years old. Thank you for your kind attention. 

Cordially, XXXX XXXX
Product: Mortgage

I have documentation that proves all of the following details here. I contacted Freedom to remove the private mortgage insurance (PMI) from my loan. Freedom sent me correspondence with details on how to remove it dated XX/XX/2019. Freedom Mortgage also contacted me to refinance my loan in XX/XX/2019. So I purchased a $XXXX appraisal from Freedom to start the process, which Freedom also said applied to PMI removal and which Freedom received on XX/XX/2019. According to the appraisal, my new home value of $XXXX qualified me to have my private mortgage insurance (PMI) removed. My loan-to-value (LTV) ratio was now less than 80%. I did substantial renovations since my purchase and did not receive funds to renovate in my original loan, etc., meeting all of Freedom's terms to remove the PMI. And the broker said that Freedom would now automatically remove my PMI. That didn't happen. My appraisal processed with Freedom on XX/XX/2019. And when I called to ask why my PMI hadn't been removed on my next statement in late XX/XX/2019, a Freedom agent said that the appraisal was good for 90 days and that she would ensure that the "escrow department" processed it to remove the PMI. That didn't happen. I followed up various times in late XXXX and early XX/XX/2019, with each manager (Ambassador) ensuring that he/she would have Freedom process my PMI removal request based on my XX/XX/2019, appraisal. During that time period, I also received several pieces of mail correspondence from Freedom with letter dates of XX/XX/2019, stating that I had to follow a new process. This new process required that I get a $XXXX broker's price opinion (BPO) instead of an appraisal, that I had to sign a form and send Freedom a physical check for $XXXX, and that the BPO needed to process within 30 days of the date on the letter, which was XX/XX/2019. Freedom also had new conditions, which I still met. My LTV ratio was less than 78%, I did substantial renovations since my initial purchase, my loan did not include funds for renovation, I have never had a late payment, and my loan was more than two years old. BUT I received the XX/XX/2019, letter with the new conditions on XX/XX/2019, about 1.5 weeks AFTER the date on the letter, which would have left me only 2.5 weeks to do the BPO and have Freedom process it. I called again in early XX/XX/2019. Freedom again ensured that it would process my appraisal. That again didn't happen. Freedom then sent ANOTHER letter with a XX/XX/2019, date, which I didn't receive until XX/XX/2019, stating that I had to go through ANOTHER new process. This time, my LTV ratio had to be less than 65% based on a BPO, along with the other aforementioned conditions (e.g., loan being more than two years old, no late payments). According to this new process, I now did NOT meet the conditions to remove my PMI based on my appraisal.Basically, within several months, Freedom changed its PMI removal process three times to prevent me from removing my PMI. And they didn't follow up with me by phone, despite saying that they would each time I called. I have since filed a complaint with the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XX/XX/XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am filing this complaint because of a collection account that was placed on my credit report in error and deleted over 3-4 times only to reappear once again recently. This negative account has not only affected me financially but has taken a toll on my general well-being due to the continuous stress it has caused me. It has also prevented me from being approved for housing, a necessity. This collection item was initially placed on all three of my credit bureaus reports however after providing proof that it was incorrect, the account was deleted from all three only to reappear on XXXX and Transunion several times since then. I have spoken to XXXX and Transunion representatives each time it would reappear, and it would be deleted after providing proof that it was indeed erroneous. This account has been deleted in re inserted each time without any notification. I can call XXXX and Transunion yet again and do and dispute by phone but at this point its getting pretty redundant. The account is listed below. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Acct # : XXXX The collection Item is from an apartment complex that I have never lived at before. The most recent proof I have submitted to the bureaus is the attached document that they, the apartment complex, has sent me stating that they have no documents or records in their systems under my wife XXXX XXXX and myself XXXX XXXX. This document was sent certified mail to XXXX and Transunion. The item was deleted. I was never notified when this account appeared originally on my reports nor was, I notified each time it was re-inserted on my credit file. I have been doing research and found that the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. I was never notified when this happened. It was only brought to my attention when applying for credit and being denied. Can you imagine the stress and embarrassment this has caused me time and time again? I applaud XXXX for deleting and doing what is right and not violating my rights as a consumer. However, XXXX and Transunion need to do the same. This whole ordeal has just been an ongoing travesty. 

Most recently ( XX/XX/21 ), I sent a certified letter to this creditor demanding all information they had pertaining to this account as I am seeking counsel if I can not get it resolved and I have yet to get a response. Attached you will find copy of email from the original credit stating this is an error because they do not have me in their system, also a cop of the certified letters sent to Transunion, XXXX & the original creditor. 

The only resolution is for Transunion and XXXX to delete this account from my credit report for good and to never reinsert it again. Just as XXXX has done.
Product: Mortgage

I currently owe on my mortgage for XX/XX/2017,XX/XX/2017, XX/XX/2017 and now XX/XX/2017. I went to pay my mortgage payment IN FULL today for XX/XX/XXXX payment and the company Mr. Cooper formerly Nationstar refused to take my payment over the phone and said would just kick it back if it was sent in the mail, I am going to send anyway. They told me they could only accept the minimum of 2 payments. I want to make clear that I was paying my full mortgage payment. I am roughly 95 days delinquent and I was under the assumption the payment for XX/XX/2017 would advance my delinquency date, but they will not accept it and I ca n't afford to make 2 payments now.It almost sounds like they are creating a situation that will force me into the foreclosure process. I understand this is my doing but I am trying to work within the system provided and when they told me they will not accept anything less than 2 payments I became very concerned. I was under the understanding that I had 120 days from the initial delinquency date before they could initiate foreclosure proceedings. By not accepting my FULL Payment, it seems very shady at best.I also thought they had to apply my payment as long as it is a full payment. When I asked the 3rd person ( manager ) these questions all I got was that each state operates differently and has different timelines. Please advise on what my servicer can and can not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the reporting of an unverifiable charge-off account by TransUnion, which involves XXXX XXXX XXXX XXXX Despite multiple written disputes and requests for verification under the Fair Credit Reporting Act ( FCRA ), section 605B TransUnion has failed to provide sufficient documentation to prove the validity of this account. I believe this constitutes a violation of my rights under the FCRA and 15 U.S. Code 681b ( 2 ) related consumer protection laws. 

Details of the Complaint : Credit Bureau : TransUnion Report XXXX Creditor : XXXX XXXX XXXX Account XXXX Account Issue : TransUnion continues to report a charge-off account as verifiable despite failing to provide : Original signed documentation or contracts proving my responsibility for the account. 

Details of their investigation or any evidence provided by XXXX XXXX XXXX. 

Under the FCRA, TransUnion is obligated to ensure that all information reported is accurate and verifiable. Their inability or refusal to furnish proper documentation, while continuing to report this damaging account, demonstrates a failure to comply with these requirements. 

Actions I Have Taken : Sent multiple written disputes via certified mail requesting verification. 

Provided identification and proof of address to facilitate their investigation. 

Highlighted the specific reporting error in my credit report. 

TransUnions response has been inadequate, offering no substantive proof to validate the account. Instead, they have merely stated that the account is verified without providing supporting documentation.
Product: Mortgage

On XXXX XXXX, XXXX I contacted XXXX XXXX, which served as the provider for the Accidental Death and Dismemberment Insurance carrier paid through my Ditech Financial, LLC mortgage regarding the cancellation of my policy. The representative at XXXX XXXX cancelled my policy, making the effective date of cancellation XXXX XXXX, XXXX. However, I have continued to be charged by Ditech Financial, LLC each month the {$24.00} premium for this policy, despite the policy being cancelled. I contacted Ditech in XXXX and XXXX of XXXX and I was told both times that the policy had been cancelled and I will no longer be charged, however as of my most recent statement I am still being billed the XXXX and have not received any credit or refund for my excess payments. 
I also have attempted to obtain a loan modification through Ditech. On XXXX XXXX, XXXX I completed a loan modification request form and attempted to submit it electronically through the link provided on my customer account portal online. I received an error that the link was not available. I received the same error message daily for the next week. I contacted Ditech directly on XXXX XXXX, XXXX and I was advised to submit the modification request through a link that was provided via email. I submitted the request and was advised that I would be contacted within XXXX - 10 business days regarding my request. I have not received any follow-up regarding my request to this date. When I contacted Ditech on XXXX XXXX, XXXX I was advised to allow another XXXX - 10 business days as they were working on a backlog. I still have not received a response to this date.
Product: Credit reporting, credit repair services, 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 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  *These corporations listed above have been placed on reports fraudently..please remove and recoup all securities though my XXXX  account*
Product: Mortgage

In XX/XX/XXXX, I purchased the home I currently live in with a XXXX XXXX. Shortly after, M & T began to service the loan. Since the inception of the loan, I have not paid property taxes, as I am a XXXX XXXX XXXXXXXX Veteran and are exception per state law. I have been XXXX XXXX XXXXXXXX for longer than I have owned the home. I paid no property taxes in XXXX, as M & T issued me a XXXX confirming the same. 

However, in XX/XX/XXXX, M & T sent a letter indicating I had past due property taxes and my payment will be increased to account for updated escrow. Again, I've owned the home XXXX months and have paid {$0.00} property taxes to included as part of my escrow- must be the exception... 

I called M & T bank on XX/XX/XXXX and told them that they have made an error. I advised them I'm a XXXX XXXX  XXXX veteran and do not pay property taxes in XXXX The representative on the call reviewed my file and the XXXX XXXX XXXX. She confirmed that she could see the exception on the XXXX and I should send over the property tax exemption letter provided by the county. Further, I was advised once provided, to call back and request an escrow analysis. 

I did exactly this. I submitted the property tax form with my account # written on it, called back on XX/XX/XXXX, and requested an escrow analysis. On XX/XX/XXXX, I received my mortgage statement, which still includes increase payment due to past due property taxes. 

Its clear I'm excempt, I have provided the paperwork, the county reflect the proper status, and I have performed all of the steps M & T has requested of me.
Product: Payday loan, title loan, or personal loan

I made a payment every month and its telling me that I didnt. Also showing two different available credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this problem around 6 months ago regarding XXXX  XXXX, XXXX, XXXX  and exquifax. I filed bankruptcy on XX/XX/2019 and received a discharge on XX/XX/2019! Of all my debt owed. I reported this problem about 6 months ago and it was fixed. Now XXXX  is reporting this same information as being late and a balanced owed. My credit score just dropped 47 points because of this incorrect information from XXXX and XXXX  XXXX, XXXX, XXXX  and exquifax.
Product: Credit card or prepaid card

A friend sent me XXXX XXXX  to Cash App on XX/XX/XXXX. I never got a notification for it and did not check my Cash App until I was told they sent me money on XX/XX/XXXX. My balance still said XXXX XXXX although I saw they sent the money, but right above the exact amount they sent was spent at a XXXX XXXX XXXX XXXX the day after they sent the money on XX/XX/XXXX. The last place I used my Cash App card was at a XXXX gas station in XXXX, XXXX I disputed the amount with Cash App and was denied 5 days later on XX/XX/XXXX. I disputed it again the same day which took over 3 months for them to deny. I disputed it again on XX/XX/XXXX, just for them to deny me again today, XX/XX/XXXX. I even have XXXX XXXX with the same issue saying that their Cash App cards have been swiped for the exact amounts on their balance and sent them proof that its not just me, its an ongoing thing, yet they still deny. I'm even XXXX friends with a police offer who says they have been getting more complaints about money being stolen from Cash Apps.
Product: Debt collection

The {$220.00} debt is related to a XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, ( XXXX ) XXXX ), who I previously saw for medical care, but stopped seeing in XXXX. In XX/XX/XXXX, I was admitted to an XXXX XXXX XXXX XXXX XXXX and I began seeing the XXXX XXXX XXXX at that facility. 

XXXX XXXX and I did not have a standing, recurring appointment arrangement. Every time I visited for an appointment, we would schedule the next appointment before I left the office. I cancelled my XX/XX/XXXX appointment because I was in rehab and seeing a XXXX XXXX. XXXX XXXX then booked ongoing appointments every 3 months for me in XXXX without my knowledge or consent. 

The {$220.00} debt, which has now been sold to a debt collection agency ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX Phone : ( XXXX ) XXXX ), is related to the appointments booked for me without my consent. I can not be charged fees for missing appointments that I did not schedule. 

I originally attempted to settle the issue with XXXX XXXX in XXXX, but the office refused to accept that I did not schedule the appointments and I do not owe the debts. I have since made 2 attempts to dispute XXXX 's report on my XXXX credit report, but XXXX and XXXX refuse to accept that I did not schedule the appointments and I do not owe the debt.