23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters was delivered and company claiming they didn't receive letters. Tracking information below to show it was delivered and certified. 

Tracking Number : XXXX Copy Add to Informed Delivery Latest Update Your item was delivered to the front desk, reception area, or mail room at XXXXXXXX XXXX  on XX/XX/2023 in XXXX, TX XXXX. 

Get More Out of USPS Tracking : USPS Tracking Plus Delivered Delivered, Front Desk/Reception/Mail Room XXXX, TX XXXX XX/XX/2023, XXXXXXXX XXXX
Product: Debt collection

Midland Credit has called my number repeatedly over the last month from multiple phone numbers. I looked them up online and found that they are a debt collection agency. I don't have any debt, so I have not talked to them. I believe this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have  one? Yet I go to Experians w ebsite, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report
Product: Mortgage

I began researching ways to end the periodic/monthly Mortgage Insurance Premium ( MIP ) on my loan after 9 years of on time payments with extra going to principal. I found a list of requirements that must be met and realized I had met ALL of them well over 2 years earlier. I contacted Lakeview Loan Servicing through their system XX/XX/XXXX and requested for the MIP to stop since my FHA mortgage loan originated in XXXX, I had made payments for over 5 years, all payments on time, had over 22 % equity in home, and the Loan to Value ( LTV ) was well below the 78 % threshold. I have made additional principle payments every billing cycle which helped achieve the LTV ratio and equity limits earlier than projected by the amortization schedule. They responded XX/XX/XXXX that the MIP is longer required and is being cancelled according to FHA 's policies and requirements. This was great news, but when I started crunching numbers I found that it should have been cancelled 3 years earlier and that I have over paid around {$3000.00} in MIP! Neither Lakeview or FHA had notified me of my LTV during the life of this loan. So I sent a message XX/XX/XXXX asking about getting a refund. XX/XX/XXXX Lakeview responded with contact customer support ( which is what I already did ). I wrote a letter to Lakeview XX/XX/XXXX and mailed it. Received a letter from Lakeview XX/XX/XXXX saying they received it and are investigating. XX/XX/XXXX Received letter from Lakeview stating " if your loan reaches 78 % Loan-to-value prior to the auto-termination date, then the customer must request early MIP termination ... Regrettably, FHA guidelines do not provide for retroactive refunds. '' This blows my mind that neither the Loan company or HUD FHA monitor, or refuse to notify borrows that the magical 78 % LTV has been reached early by paying additional principal each month!!! They are stealing money from probably thousands of people knowingly. I have spent countless hours on the phone with HUD/FHA now, and they say that I am not due a refund and to contact Lakeview - the circle blame game continues.

HUD Handbook 4000.1 III.A.1.k and HUD Handbook 4155.2.7.3.c As part of the Mortgagees annual disclosures to Borrowers, Mortgagees must notify Borrowers of their option to cancel the annual MIP in advance of the projected amortization date by borrower making additional payments of mortgage principal. 

HUD bases the cancellation of the annual MIP on the initial amortization schedule. In cases where Mortgage Payments have been accelerated or modified, HUD may base cancellation on the actual amortization of the Mortgage as provided to HUD by the The Mortgagee must process the MIP cancellation using the Monthly MIP cancellation function in FHAC.

servicing Mortgagee. 

For loans closed on or after XX/XX/XXXX, FHAs annual MIP is automatically cancelled under the conditions outlined in the table below. 

As part of the Mortgagees annual disclosures to Borrowers, Mortgagees must notify Borrowers of their option to cancel the annual MIP in advance of the projected amortization date by making additional payments of mortgage principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on an app I have and I received a deletion from XXXX XXXX, yet TransUnion and XXXX  is still reflecting a derogatory account under my name I would like this deletion removed as stated In the fcra Please see documents they sent to notify of the deletion Thank you Sincerely XXXX XXXX
Product: Payday loan, title loan, or personal loan

Collections by MRS acct # XXXX, identity fraud. Other fraudulent names listed on my credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX  Account name : # XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

and according to 15 USC 1681s-2 they are suppose to 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

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$790.00} XXXX {$540.00} USDEPTEDXXXX {$22000.00} DEPREDXXXX {$22000.00} USDEPTEDXXXX {$8500.00} DEPTEDXXXXXXXXXXXX {$8500.00} XXXX {$1200.00} XXXX {$8500.00} XXXX {$0.00} XXXX {$20000.00} XXXX {$110000.00}
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have attached my ID and SSC to verify my identity. I have also attached a case study ( XXXX XXXX XXXX XXXX XXXX ) to further back my standing Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against XXXX and Experian for violations of the Fair Credit Reporting Act ( FCRA ) in connection with inaccurate information on my credit reports. I believe these inaccuracies are negatively affecting my creditworthiness and financial standing. 

The inaccurate information pertains to the following accounts : 1. XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) 3. XXXX XXXX XXXX ( Original Creditor : XXXX ) 4. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 5. XXXXXXXX XXXX 6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX I have already submitted dispute letters to both XXXX, XXXX and Experian, detailing the inaccuracies and requesting a correction. However, to date, I have not received a satisfactory resolution. I am seeking the intervention of the Consumer Financial Protection Bureau to address these violations. 

I believe the credit reporting agencies have violated the FCRA by reporting inaccurate information and failing to conduct a reasonable investigation. This has caused significant harm to my credit standing, affecting my ability to secure favorable terms on credit and loans. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX and Experian comply with the FCRA. I am also requesting that you provide me with updates on the progress of your investigation. 

Enclosed with this letter are copies of the dispute letters sent to XXXX and Experian, along with any supporting documentation. I appreciate your prompt attention to this matter and thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

XXXX XXXX XXXX  case was closed XX/XX/XXXX. XXXX XXXX XXXX  sent a written notice that all accounts were paid in full. Info on XXXX XXXX XXXX shows that Credit Acceptance Corporation balance is paid in full - principal and interest, however ; Credit Acceptance Corporation states that {$8000.00} is owed despite what the XXXX XXXX XXXX says, what National Data Center shows, and my credit report. On XX/XX/XXXX of XXXX, I called Credit Acceptance Corporation twice, and asked to be emailed copies of the contract signed and detailed info on how {$8000.00} is still owed. The first rep stated that {$8000.00} is owed and claims he sent the requested email. The 2nd rep, stated that {$6000.00} is owed and claims he sent the requested email. I have yet to receive the information I requested from them. They did not send any copies which is a violation of the Truth in Lending Act.
Product: Credit card or prepaid card

Chase offered me " XXXX & XXXX {$75.00} back '' promotion. I added this chase offer on my XXXX, and made two separate purchases on XXXX XXXX XXXX wireless with this card on XX/XX/2021 as the terms required. This offer expired on XX/XX/2021. I completed the requirement, but I did not receive the {$75.00} credit. So I contacted Chase, customer service representatives refused to honor the offer and decide to scam customer. They lied, made illogical excuses and claimed that I am not eligible for the credit.
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. 

Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 
Account name : XXXX XXXX XXXX  # XXXX has violated my rights. 
Account name : 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: Debt collection

This company has reported a collections account to my credit report. I have not received any written communication about the alleged debt. Therefore, my right to dispute or request validity of debt has been violated. This is causing distress and affecting my credit report and my ability to obtain credit. 

Please remove the debt from my credit report and follow due process.
Product: Checking or savings account

Over draft fees over the course of having the account with Navy Federal.
Product: Debt collection

Step 1 : What is this complaint about? Violations of Rico Statue and State Usury Laws Step 2 : What type of problem are you having? 3rd party debt buyers elicit attempts to collect assumed debt as defined by law Step 3 : What happened? Debt buyers are failing to justify full collection of debt assumed. 

Step 4 : What company is this complaint about? THE FOLLOWING 3RD PARTY DEBT COLLECTORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Step 5 : Who are the people involved? Engaged each party individually to validate debt owed in XX/XX/2018. 

Summary compliant : 3rd Party Debt Buyers 1. Recourse is allowed under the premises the Debt Buyer has assumed total collection authority to recoup original amount owed although assuming the debt at a fraction of the cost. 
a. Debts are purchased as a portfolio of bad debt t ( > 7 % of the original debt owed ) b. A maximum of twice the usury rate can be collected per Federal law i. 27 % interest rate would be permissible in Delaware, as defined by the states usury laws. Midland, as a 3rd party debt buyer to a national bank, was not allowed to charge interest exceeding 27 % without a banking license c. I am now liable to a new company for an old debt. This included my portion of my debt plus collection expenses incurred 2. Without the 3rd party debt buyer pursuing a court action, no justification of the expenses can be made, surmounting to racketeering, reporting debt to all credit bureaus with an attempt to collect usurious interest. ( RICO Statue ) 3. Usury rate of 800+ % over the acquisition price of the debt, if no legal action warrants the full collection amount pursued. 

I am asking 3rd party debt buyers to justify expenses allowing for full collection of the debt incurred. In addition, Im also questioning, if a Debt Buyer has collected an amount greater than twice the usury rate over their acquisition price from other debts in the same portfolio, what justifies their continued pursuit. They would have made their money as they are legally entitled to do. 

Please investigate this matter further
Product: Mortgage

My husband and I have owned our home for 18yrs. We have had some financial hardships along the way, but have worked hard to keep our home. 

Our loan and debt was sold from XXXX XXXX to Our current lender, Specialize Loan Servicing in XXXX. At the time our loan was sold, we were in a Chapter XXXXBK. We paid our planned payments to the Trustee which she paid the mortgage arrears and we paid our current monthly mortgage payments directly to our lender. 

Our bankruptcy was completed this past XX/XX/XXXX. The planned payments and mortgage arrears were paid in full. Once the bankruptcy was completed, our mortgage company sent us a statement saying when our mortgage was sold to them 2 yrs ago, we were 4 months behind totaling {$9.00}, XXXX. We were not 4 months behind when our loan was sold. For the past 2 yrs that we have been with Specialized Loan Servicing, they have never mentioned we were 4 months behind and it was never reflected on our monthly mortgage statements. 

This year, XXXX we did have a financial hardship due to Covid and other medical issues and fell behind on a few payments. We reached out to our mortgage company this past XX/XX/XXXX, to request a loan modification, repayment plan ect. We received a letter today XX/XX/XXXX stating our request was denied with no explanation as to why. The mortgage company kept stating, we had a Loan Modification 11yrs ago in XXXX and because of that they can not help us. They are requiring {$14000.00} to reinstate our loan and stating the total amount due is {$20000.00}. 

We can afford our home and we want to keep our home. Can you please assist us in getting a loan modification. 

Thank you for your time and help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

have attempted to rectify all incorrect accounts and unauthorized inquiries on my credit report, but I have yet to receive any response from the three bureaus. This issue is causing me a lot of stress. I urgently request the removal of these listed accounts and inquiries. 
Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$13000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX - XXXX Account Number : XXXX  When was the Account : XXXX. XXXX, XXXX Account Balance : {$2900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account : XXXX XXXX, XXXX Account Balance : {$580.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account : XXXX. XXXX, XXXX Account Balance : {$57.00} XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX
Product: Debt collection

I cancelled my XXXX service and a technician came to my home on XXXX XXXX, 2016 to retrieve the equipment. The technician disconnected my service and took payment of the final bill of {$81.00} by credit card at my home. 

My credit card was charged for the payment at which time XXXX reinstated my service in error. I did not have equipment to operate service and was led to believe the service was cancelled. I was not told to take any further action by XXXX. 

I contacted XXXX customer service on XXXX/XXXX/16 and was told the equipment return date was not entered into the system. I should not be forced to pay for an error in the XXXX disconnect process. 

I am disputing the charges sent to CBE Group as they are for services not rendered by XXXX. 

I communicated the information to CBE Group and was told to pay the bill to in order to avoid any further inconvenience. 

I can not be forced to pay for services which were not rendered.
Product: Credit card

American Express received the full payment 2 days after the due date XXXX, XXXX. The full amount was {$140.00} and American Express sent me a statement Fee Late {$40.00} + interest {$2.00} I didn't receive the mail to my home. that is why the payment went 2 days behind. I have been a loyal customer for 15 years. I always paid in full. In the past American Express removed the late fee. Since the customer service is out of the country notice they don't have empathy with citizens. I asked them to remove the late fee of {$40.00} and the interest of {$2.00} and they denied my request. It is not fair. I always paid in full. 
I'm a hard worker and any pennies count. I want to submit this complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT BEING SENT BY AN UNAUTHORIZED THIRD PARTY. On XXXX certified mail was sent to remove all alleged debt reported without my ( the consumers ) consent to XXXX, XXXX and XXXX who then forwarded it to Congress Collection in regards to this alleged debt. The alleged account was then closed as last reported on XX/XX/21 and the balance was reported as {$700.00}. Exhibit is attached. I am filing a complaint ; as my rights have been violated. I am also looking for monetary compensation of no less than the amount of {$5000.00} for the distress it has caused both myself and my family for but not limited to 5 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS. 1. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be violated by the communicating of any credit information that is known or should be known to be false. There is no proof nor validation of this debt. Therefore, it SHOULD be known to be false in accordance with the above. In addition, I have never been presented with any affidavit that would provide validity to neither you nor the alleged debt collectors assessment. 2. According to the Fair Debt Collection Practice Act debt collectors must not use any false nor deceptive/misleading representation. None of the alleged debts have been validated nor represented by the original creditor. And there is reason to believe these alleged debts were sold. If these alleged debts were indeed soldWhere is the proof of the alleged debtors approval? This too is a violation of consumer rights. 3. According to the Fair Debt Collection Practice Act I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there has been alleged debts published without my permission; using my name and personal information by which to do so. 4. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this false information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right. It has sabotaged both my name and my creditability. 6. My social security card with its attached number would have had to be used to transact any of the alleged debts listed. Therefore, serving to be yet another violation of my rights as a federally protected consumer.