23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I originally obtained a new construction home loan in XXXX from XXXX XXXXXXXX XXXX Ameris Bank eventually acquired XXXX XXXXXXXX XXXX. For some reason, they then gave my loan processing to XXXX. This is the first major issue. Navigate multiple departments that keep bouncing me from company to company, department to department has been a major issue and has been impossible to get clarity on my loan. 

Then, in XX/XX/XXXX, I lost my job. The US Government and XXXX XXXX  were offering Loan Forbearance programs for customers who lost their jobs during the economic downturn. I applied and was approved for the Forbearance and allowing me to tack on 3 months at the end of the term of my loan. While I was approved, collections continued contacting me for months upon months telling me I was significantly behind on my loan. I must have spoke to XXXX - XXXX people in collections telling them time and time again, that I was granted forbearance and was granted 3 months of no payments. And each time, I would get bounced around to different departments ( Collections, Loan Officers, Loss Mitigation ) and across XXXX companies. And if I ever met someone helpful, they told me to wait and my forbearance would eventually clear. 

Now... in XXXX, Ameris has begun sending me foreclosure notices. This is absurd to me when I have made my payments on time, each and every month. I had to get even more aggressive to find someone to help me. I eventually met someone help in customer service who told me that Ameris was now saying I was late because I did not make escrow payments. That I only paid principal and interest. I explained that I was taking care of my own taxes and insurance and this was my arrangement after Ameris acquired my loan. I have sent emails, and documents to loan officers, customer service, investigations, yet no one contacts me back and explains to me how to solve my situation. 

Lastly, I have even contacted the lawyer sited in the foreclosure letters to ask for clarification on what payments I missed and to provide me a reinstatement amount and this request has also fallen on deaf ears. 

I am livid! I make my payments every month. My taxes have been paid on time every year and I have a {$0.00} balance with the county. I have managed my own homeowners insurance. And yet Ameris can not for the life of them tell me why they perceive I am late ( forbearance, taxes, insurances, missed payments, etc. ) I need to resolve my loan situation immediately and stop this nonsensical foreclosure attempt.
Product: Mortgage

I have loan # XXXX with Fay Servicing. They sent me a letter in the mail stating they will force-place flood insurance if I do not get {$140000.00} in coverage based on the value of the property. My loan amount is only {$56000.00} based on a recent appraisal of {$75000.00}. The Flood Disaster Protection Act does not allow the lender to mandate {$140000.00} in flood coverage when the loan amount is only {$56000.00}. Please help them understand the rules.
Product: Mortgage

I applied for a mortgage refinance with Guaranteed Rate on XX/XX/XXXX. On XXXX an appraisal was order on my property. The appraisal was conducted on XX/XX/XXXX. The appraiser sent the appraisal to Guaranteed Rate on XXXX. I requested a copy of the appraisal from Guaranteed Rate on XX/XX/XXXX and they denied they had it. On XX/XX/XXXX Guaranteed Rate informs me they have the appraisal, that it came it low but they still do not send it to me. On XX/XX/XXXX they add 3 points to the loan and change the loan amount. On XX/XX/XXXX I canceled my application. On XX/XX/XXXX they try to send me a copy of the appraisal, in the email it says " Per ECOA we need proof you have received your appraisal before we can complete the application withdrawl ''. 
By withholding the appraisal they did not afford me the opportunity to check for error and omissions and possibly challenge the appraisal. I feel like this was a bait and switch situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having problems with Equifax removing inaccurate accounts form my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$4200.00}XXXX XXXX XXXX XXXXXXXX Balance : {$29000.00}
Product: Debt collection

Was informed XX/XX/XXXX that money would be taken out of my bank account on XX/XX/XXXX if I did not submit in-school deferment forms. 
Faxed in-school deferment forms to Sallie Mae on XX/XX/XXXX. 
Was told by an agent on the phone XX/XX/XXXX there was no record of them ( despite the fact I have a receipt of a successful fax to the proper number ). She directed me on how to upload them online. 
Was told on the phone by a second agent three hours later that the forms were received. 
Was told by BOTH agents on XX/XX/XXXX that absolutely no money would certainly be taken out. 
Money was taken out XX/XX/XXXX. 
Spoke with an agent XX/XX/XXXX who contradicted the two agents I spoke with XX/XX/XXXX. She asserted the payment could not be stopped and denied that XX/XX/XXXX was the date they told me money would be taken out ( which they did tell me on XX/XX/XXXX ). She also told me it was my bank who decided to pull the money then, not Sallie Mae ( which is false ). This agent went on to tell me Sallie Mae would continue to collect monthly payments even if my in-school deferment was approved because I enrolled in auto-debit ( on XX/XX/XXXX ), which is not in accordance with the auto-debit Terms and Conditions. She also went on to say that the other agents I spoke with had no responsibility to tell me that I should withdraw from auto-debit.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

I XXXX XXXX, has been in communications with Capital One for several months regarding overdraft fees. These fees have been charged on my Capital One business account during a national pandemic and crisis. XXXX XXXX was heavily impacted by this and has resulted in lower income to XXXX  XXXX account. Upon speaking with more than three representatives in management, I was declined help with this matter several times. They would tell me they waived {$140.00} in overdraft fees, but will not waive any other fees. They informed me that this situation would be escalated and Ill get a phone call from a representative. I never received a call as of yet from them and thats been over two months ago.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. XXXX aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the bellow accounts validity within my consumer report that you maintain under my name and update my report to your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be validated, DELETE from my consumer report. 

ACCOUNT : XXXX XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice. Failure to do so could constitute willful non-compliance. 
Please DELETE this erroneous, inaccurate information from my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Debt collection

I contacted this debt collector to disp [ ute the account and they have yet to validate the debt according to the mandatory processes provided by the FDCPA consumer protection law. They have failed to respond to my dispute within 30 days and have failed to note on my report that I have issued a dispute which is required the FDCPA Section 807 ( 8 ). They Are breaking the federal law and need to comply by removing the negative and erroneous information that is not in compliance to the reporting process of the FDCPA.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. JPMCB CARD Account # XXXX and XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by JPMCB CARD Account # XXXX and XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit card

Amex grossly neglects to manage the disputes properly. During my travels, a couple of hotels happened to be providing unacceptable conditions and lacking the advertised amenities, leading to my disputes. Amex consulted with the hotels which used fraudulent strategies ( or just lies ) to invalidate my claims, such as lying that I didn't complain to the front desk and give them the chance to fix it. Amex consistently closed my disputes in responses although I have brought these issues and claims to their attention and repeatedly reopened the claims.
Product: Debt collection

In XX/XX/XXXX they sent my work XXXX XXXX XXXX a wage garnishment order from a debt I owed back in XXXX that I thought was settled long before. So I believe they they made fake paperwork up get garnish my wages cause I looked up the case number and it didn't exist. So my work took the money out of my pay and sent it to them it was a total of around XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Vehicle loan or lease

It was after i had a back injury, then XXXX, then loss of pay before i could get social security disability coming in, i got delinquent with my truck payment. But i did pay them the late payments, the next week after i became current with them they repossessed my truck, i had to pay them {$630.00} to the company they used to repossess it, in order to get my personal items out of the vehicle. That was after i had paid them the late payments. Then they sold my truck for 1/3 of its value, then wanted me to pay a little over {$3000.00} to square up with them and not show up on my credit. 
On the current credit report they keep adjusting the last payment made date, so it will stay on my credit report longer, I'm guessing thats their motivation. Anyway, at the time i had so much to catch up on due to my injury, i had to retire from work etc. i haven't done anything to correct this non stop train wreck. I found out about reporting it through you all just today. So here we go. XXXX only knows how many people have been abused by this company in such a way. Santander vehicle loans have done some very wrong things, and wants me to continue to pay them for it. Im done with them!
Product: Credit reporting or other personal consumer reports

AMERICREDIT ( Finance ) XX/XX/year> This is a hard inquiry from a company that i did not authorize access to my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX 3. there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX LOT XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account from Credit Acceptance Corp through XXXX on XX/XX/XXXX. XXXX says that the account will remain because the creditor verified that the information they have is correct. They said I should contact the creditor myself. I sent a letter to the creditor via certified mail dated XXXX XXXX, requesting validation of this account by way of a signed contact dated XX/XX/XXXX. My letter was received and signed for on XX/XX/XXXX by Credit Acceptance Corp. I also mailed a copy of my letter to CFPB, XXXX, XXXX, and XXXX. All 3 credit bureaus opened another dispute when they received my letter. Today, XX/XX/XXXX, XXXX says again, the account shall remain, because the creditor claims the information to be true and the bureau is only a data collector. The creditor has not sent any validation that I opened any type of account with them XX/XX/XXXX, as I did not. This creditor can not provide a signed contract that doesn't exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$450.00} XXXX XXXX Bank {$350.00} XXXX Bank {$1000.00} I did not authorize these charges an ex from my past made these charges after my card was stolen i tried to explain to the banks they act like they dont understand. im trying to dispute these charges. I need these removed off my name completely! 

I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' let 's be clear that I am not asking you to validate or verify anything. So please don't respond by telling me that cause that would be a waste of my time. Some of the negative accounts have been placed in Collection/charge-offs, late payments/ other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns relating to the Cancelation of indebtedness by certain entities. If this derogatory account information is not deleted from my consumer reports within 30 days I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application for award for original information overview with the IRS against ALL entities involved