23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on my conventional mortgage on XX/XX/year> at a sales price of {$480000.00}. After selling my prior house I was able to pay down my balance by {$200000.00} bringing the unpaid principal balance to {$250000.00} by XX/XX/year>. Because of ACH restrictions I had to structure my payments over three transactions. I requested for the PMI to be removed, Mr Cooper ( servicer ) stated the investor requirement is to complete either a XXXX  or a new appraisal to ensure property values have not gone down. 

Given how recent I closed, residential real estate values are not in a materially deteriorating environment, and the loan to cost of the original price is at 53 % the PMI should be removed. PMI was assigned due to a brief timing gap to close on the purchased house compared to the house I was selling. 


Borrower Name : XXXX XXXX Loan Number : XXXX Servicer : Nationstar Mortgage LLC dba Mr Cooper
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2019 I was purchasing a manufactured home in the XXXX XXXX XXXX XXXX located in XXXX XXXX, Florida. I applied for a mortgage loan with centerstate bank in XXXX XXXX. And was completely approved. They ask me to pay for a property appraisal which I did and obtain home insurance which I also did I payed the policy in full. the branch manager and loan officer wanted copies of paper stating that the insurance policy was paid in full which my insurance agent sent them confirmation on numerous times via email which the manager would not except. I lost hundreds of dollars trying to resolve this issue to no avail. I feel I was discriminated against because I am a XXXX senior or The home appraisal came back much higher than they expected or both. I see no reason why this transaction did not happen. They gave me no choice I had to back out or take a chance of losing my XXXX deposit.
Product: Debt collection

On XX/XX/2021 at approximately XXXXXX/XX/XXXX I received an automated call from the number provided in this complaint. Upon electing to speak with a representative at " CPS Services, '' I was placed on hold for approximately 5 minutes. Once I spoke to the representative they informed me that my number was associated with someone else, whom I've received multiple calls pertaining to, and that I would no longer receive any calls. This happens 3 to 4 times per day on every weekday and constantly disrupts my business that is heavily reliant on teleconferences for day-to-day operations, especially during the COVID pandemic. Apparently, I am never removed from their " list '' so they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C 1681b ( a ) 2 was not given my written instructions XXXX account number is XXXX .... 
XXXX states balance is {$540.00} experian states balance is {$0.00} XXXX states balance is {$540.00} date opened XXXX states XX/XX/2017 inaccurate experian states XX/XX/2017 XXXX states XX/XX/2017
Product: Mortgage

XX/XX/2019, I XXXX XXXX was affected by the Government shutdown, I was laid off for a couple of weeks and at that time OCWEN MORTGAGE SERVICE, Was my mortgages company. They Requested that I fill out the application, for a loan modification. XX/XX/2019 in the same month, I apply for the loan modification my loan was transferred to PHH Mortgages service. Which is owned by OCWEN. PHH Mortgages service is debt collector company.I was told by OCWEN,,, NOT ... To make a payment, Until, they tell me. In XX/XX/2019. I was informed my loan modification was ... DENIED ... By PHH Mortgages Service. Once I was denied my loan modification, PHH Mortgages, They wanted all 7 payments at one time, For I can be CURRENT. On my mortgage.I explain to  my Account Relationship manager : XXXX XXXX. I didn't have the money .I send in 1 payment .after that, That's, when Threatening started .About Foreclosure started.

With the help of, FAMILY & FRIENDS we RAISE $ XXXX.Now I'M CURRENT.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting or other personal consumer reports

TransUnion 's Violation of the Fair Credit Reporting Act - Urgent Assistance Needed Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an ongoing issue with TransUnion, who I believe has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On three separate occasions, I have disputed incorrect XXXX information listed on my credit report, and each time, TransUnion has failed to conduct a proper investigation. 

The details are as follows : - XXXX : I submitted my first dispute regarding the incorrect XXXX  information. TransUnion claimed to have investigated the issue, but the record remained unchanged. 

- XXXX  : I filed another dispute, and on - XXXX than XXXX hours laterI received an email stating that they had again investigated the matter and the record remained unchanged. 

Given the rapid response, it is clear to me that they simply reused the results from the previous dispute without performing a legitimate investigation. 

- XXXX : I made a third attempt to dispute the XXXX record. 

On XXXX XXXX XXXX XXXXXXXX I received yet another email indicating that TransUnion investigated the public record and found no changes. 

I requested in writing that TransUnion provide me with their method and procedures for investigating the dispute, but they have failed to respond appropriately. As of now, they have not provided any proof of proper investigation or compliance with the law. I am left with an incorrect XXXX record on my credit report that is not mine, and TransUnion is continuing to disregard my rights. 

The XXXX  record in question belongs to my father, who has a similar Social Security number and previously lived at my address. I have never filed for XXXX, yet TransUnion refuses to correct this mistake. 

I am seeking your help in documenting this neglect and holding TransUnion accountable for their failure to comply with FCRA. If they do not remove this incorrect public record, I plan to take legal action. 

Please help me get the relief I am entitled to. TransUnion 's actions are not only irresponsible but deeply distressing, as they are profiting at the expense of consumers like me. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

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

My credit report shows two hard inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. They misguided me and I was merely asking for home mortgage interest rate and they could have given me a quote based on filling application and information and not pulling credit at all. So they asked me to fill application on XX/XX/XXXX which possibly pulled my credit and did not inform that they will be pulling my credit again. So the credit pulled by XXXX XXXX  on XX/XX/XXXX on credit report was not authorized by me as a consumer and I would like to dispute it and get my credit score back to normal. They don't believe the second pull is hard pull but they pulled my credit twice without my consent.
Product: Bank account or service

I worked in the XXXX for XXXX years during the XXXX. I was entitled to a Social Security ( Pension payment ) which is paid into my Bank of America XXXX Checking account.. 
I am now living in the XXXX XXXX XXXX years old and have experienced major XXXX XXXX recently.Because of my XXXX situation I need to transfer money money to the XXXX. 
A simple wire transfer XXXX would assume, not so, I can not transfer more than {$1000.00} without purchasing " XXXX '' but to do that I need a XXXX mobile phone number which of course I do not have. 
I have spent literally hours on the Telephone trying to resolve the situation all to no avail, the only avenue open to me is to write myself a check which I am told will take XXXX weeks at least and with Bank of America response to date I do not have a great deal of confidence
Product: Student loan

For more than one year I have been trying to get my private student loans " holder '' XXXX, now current Know as " Navient '', to reduce payments on my account. I tried asking them to allow a reasonable payment, due to other federal loans in which I have to pay. I thought all was well with the agreement, based off what the representative told me was reasonable, and so the XXXX payment was made. I later received a call, requesting a larger payment on the account than what I can afford. Not being able to come to a reasonable agreement with the managers or supervisors of " Navient '', XXXX, has lead me to become in default with making payments. They refused to accepts the payments on the agreement that was made. I know I have debt collectors calling me at all hours of the day and evening demanding payoff 's that I can not afford. They collectors advised me to ask friends and family for and large amount of money that he clearly stated he knew I could not afford. I asked him why would he ask me if he clearly knew I did n't have this kind of money and he changed the subject. He reverted the subject back to the contract and terms of repayment. I kept asking him if monthly payments was an options until we both got frustrated. I really do not know what to do and need some assistance. I really do not understand how a resolution can come about, if both parties can not come to a reasonable agreement. I tried explaining my financial situations, health issues I encounter and so forth, but there was no compassion or empathy to try and come up with a fair and reasonable solution.
Product: Mortgage

In XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$480000.00}. I was promised a low interest rate and a low monthly payment, as advertised. On XXXX XXXX, XXXX, there was an assignment of mortgage filed with XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX XXXX XXXX, XXXX, XXXX started a foreclosure against me for the amount of XXXX, which is about {$91.00} from the original mortgage 3 years earlier but I already had paid over {$160000.00}. How is that possible? I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Listed below are the Accounts that are being challenged XXXX XXXX - Account NumberXXXX My parent has the same name as me. 

XXXX XXXX  - Account XXXX Please investigate and delete from my credit report. 

XXXX XXXX XXXX  - Account XXXX Why is it that you are the only XXXX reporting that this account has late payments? Remove inaccurate reported late payments update to paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with you on XX/XX/2022 where I explained how unfairly Experian is going about when it comes to my disputes. When I called I was unable to dispute, when the dispute was done I didnt even get notified I had to find out by looking it up on the Experian platform. I was not properly notified by mail or email. Id like to start by saying that this is the only credit bureau displaying such information. I dont have a XXXX account on any of my other bureau credit reports. Most importantly, the information on this account is invalid. It has a phone number thats not mine, an incorrect address, and even the name seems off. This account is erroneous/invalid and must get deleted. Experians reluctance to delete this account is very suspicious since an FTC report has even been provided. They reach out to the creditor directly instead of a non-affiliated third party.
Product: Debt collection

On XX/XX/XXXX I called to ask about a confirmation of payment for debt and I asked where they going to remove it and he told me no because the account is now closed and they cant do it. However, I keep getting the run around with this company. When I was trying to dispute the debt I had a lady laugh in my face and told me duh stupid this is the debt you owe and what are you talking about and hung up on me. I call again and I get another person stating that cant help me in regards to disputing my debt at first and then if I pay how they can take it off and they tell me they cant take it off. Another time I call, I asked about how they can take payment and the lady couldnt help me with the online payment website and told me there was nothing I can do. I have asked several times through different people about getting it removed and no one told me they could help me do it through their office. Then the last time I call they tell me I shouldve done it through their office and when asking for help I didnt get that.
Product: Credit reporting or other personal consumer reports

I recently became aware of inquiries from your company on my credit report that I never authorized.
Product: Credit reporting

first all of the major credit reporting agencies are reporting wrong information on my reports. they are incorrectly reporting wrong personal information, wrong account information, and credit inquiries I never applied. I have disputed all of these items, have sent all required information such as driver 's license, social security card and utility bills. 
a day or XXXX later I receive the same email asking for the same identical information. I faxed the same over and over. the fax confirmation tells me the fax went through " ok ''. 
I have not been able to get my credit reports for the last XXXX years because they either ask for information that I have no idea about, or they tell me I am not eligible to receive my free annual report. I had to file for bankruptcy due to i.d theft, at which time they finally let me get a free credit report. I had a fraud alert on all of my bureaus prior to the I d theft, but yet someone was able to obtain fraudulent credit in my name and I was never notified. I asked the bureaus back then about this and their response was we did n't have the correct number to call you. if this was the case then credit should have never been granted. 
these credit reporting agencies are nothing more than a criminal element govern by finance companies. these credit reporting agencies should be investigated and penalized for violating people 's rights to contract as per the " fair credit reporting act ''
Product: Mortgage

I was in receipt of a notice from Bank of America 's attorney of record that my home was in foreclosure. The notice explained that I could apply for Conditions for Continued Occupancy and included form XXXX ( Request for Occupied Conveyance. I responded to this notice that I received twice. I never received a response from Bank of America to indicate whether or not my request was approved or denied. I am now in receipt of a Sherriff Sale notice dated for XXXX/XXXX/2016.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account was not reporting accurately. Specifically, ten late payments were recorded on an account that was, in fact, paid on time. The consumer reporting agencies are required to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint, highlighting the inaccuracies on the following dates : XX/XX/year>. 

I am now requesting that you investigate this account and update these payments to reflect that they were paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I would like to express my profound disappointment and frustration regarding the continued presence of fraudulent items on my account despite several attempts to rectify the situation. Regrettably, I must inform you that I have recently made the eighth attempt to follow up on the removal of these fraudulent items, and yet, the problem persists unabated. 

Despite my persistent efforts to seek resolution, each attempt thus far has yielded no tangible results. This ongoing issue has not only caused me significant distress and inconvenience but has also eroded my confidence in your company 's ability to safeguard my financial interests. 

I demand immediate and decisive action to conduct a thorough investigation into these fraudulent transactions and ensure their swift removal from my account. Furthermore, I expect transparent communication regarding the steps being taken to prevent such occurrences in the future and to restore my trust in your company 's integrity. 

Moreover, I insist on receiving appropriate compensation for the considerable inconvenience, stress, and financial harm caused by these fraudulent activities and the repeated failure to resolve the issue satisfactorily. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XX/XX/2022.
Product: Payday loan, title loan, personal loan, or advance loan

I downloaded an app called Self on XX/XX/XXXX or XXXX and signed up for it. Whe. You sign up for the app they tell you that in one month they will charge you like {$35.00} and that when you make this payment that it will help your credit score. When my month came up I closed my account before it was time to make the payment. Then I got an alert from XXXX XXXX that I had a loan of XXXX dollars on my report. It was from Self. They never loaned me any money or told me they were putting a loan on my name. When I called them they told me that they report that they loaned you this money and that the monthly payments go towards it and at the end of 18 months they will have collected around XXXX from you and that they then give you the money. But it is a sham that makes it look like you paid off a loan. They said that since I closed the account that they won't report that I didn't pay it. But I never approved them to do this. And they don't tell you this is what they are doing. And now even though it doesn't say I haven't paid the loan there is an unpaid loan on my credit report that is making it look bad. I don't deserve to have this on my report as they never asked me if they could do this, they never gave me any money. And they didn't even tell me they were doing it. I need help getting this off my report.
Product: Debt collection

XXXX had their lawyer send me a letter demanding over {$1000.00} more than what has been reported by XXXX And had falsified responses to this CFPa. 

This is an extreme liability violation. 

You both violated the FDCPA- I warned you and you had a chance to remedy- I am turning this over to a FDCPA lawyer on Friday at XXXX  unless you want to suggest a remedy. You may call me at XXXX up til Friday to offer your remedy to these violations- suit yourself - you need to follow the laws XXXX XXXX XXXX XXXX XXXX. - and Friday XX/XX/2023 at XXXX I am also filing a complaint with the NC Department of Justice- you violated both North Carolina law and Federal law. 

Friday XX/XX/2023 at XXXX  is the cutoff for contacting me to remedy your violations. 

Follow the laws. 
.