23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I would like to file a complaint against Pro Collect for falsely reporting a debt to the credit bureau that we believe is not justified, also we never received notification that we owed any money from the complex. The first time we were made aware that we owed any money was months after we vacated the apartment complex. 
My husband received a call for the first time in XX/XX/XXXX from a credit collector. The person stated that we owed money and that if we did not pay the bill in two days from the date of his call that he would report the amount owed to the credit bureau. My husband stated that he was not aware of any money owed. The gentleman stated that we owed money for an apartment we vacated in XX/XX/XXXX. He said we vacated the premises early, broke the lease and was not available for a walk thru. He said that we had no proof that we did not vacate premises early. My husband reiterated that he was not aware of any money owed and that we did not vacate premises early and we paid any charges that were due before move out. My husband said that he would have to look into the matter and call back before he paid any money. The creditor repeated the charges were valid and that we needed to pay in two days. He hung up with my husband and then contacted my cell phone several times. 
I contacted the property we formally resided at to inquire about charges we owed I spoke to XXXX she said that she was an assistant manager. She said the apartment complex was under new management, so it would be difficult to answer any questions regarding the collection call we received. She was able to locate some records that noted that we owed money after we moved out. I informed her that everything was paid before we moved out in XXXX and if we owed any money why did n't we ever receive a phone call or letter. She said that we may not have received notification if we broke the lease and vacated the property prior end of lease. I told her that we did not. I contacted Pro Collect to inquire about the bill and told by a young lady that if I had a dispute she could not assist me she could only take a payment. 
We paid our final bill prior to moving out and spoke directly to a manager and office clerk that informed us that we did not owe anything. If they noticed later that charges were not calculated correctly and money was due, it was management responsibility to ensure that we received notice of what was owed. We never received any calls or letters about any money owed until months after we vacated from a collection agency. We would have gladly paid any money owed to the complex if they had contacted us. We do not want any blemishes on our credit report we pride ourselves on paying our bills in a timely matter. My husband and I will pay any money owed but the debt must be removed from our credit reports because it is not our fault that the property management failed to communicate to us.
Product: Credit reporting or other personal consumer reports

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 ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
Ive noticed that 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 a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order 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! The reports are 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 ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Mortgage

SLS or Specialized Loan Servicing has sent out three checks from my escrow account they can't track these payments and my escrow IS DUE NOW to XXXX my insurance company. 

all checks have been lost. 

they can not track where the escrow went and they do not call me back after many phone calls.
Product: Credit reporting or other personal consumer reports

Someone took over my accounts at Experian and XXXX and on XX/XX/XXXX fraudulently removed my credit freeze without my permission or knowledge. Someone then applied for credit at a XXXX XXXX in XXXX ( I live in XXXX ) on XX/XX/XXXX through an Experian credit inquiry. Once aware of the credit inquiry, on XX/XX/XXXX I discovered a fraudulent address ( XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ) and a fraudulent phone number ( XXXX ) was entered into my credit report at all three credit agencies -- Experian, XXXX, and XXXX. In addition, Experian and XXXX also had my Birth Year listed incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

During this time I had my XXXX card, the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events including XX/XX/11 as my husband is in the XXXX industry and was working in the city when the towers came down. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It has been about seven years reaching the statute of limitations. I am hopeful that you are understanding that the tie has expired and sue to the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of XXXX to recover and remove this account from all three report.
Product: Prepaid card

I received an Amex eGift Card.

This includes an email " You have received an American Express eGift Card '' from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. 

I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined.

I then tried again with various other amounts less than the full face value.

Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX Has violated my rights. 
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: Checking or savings account

We advised Truist that we wanted to set up Positive Pay on our account in order to prevent fraud. We initiated this service in XXXX of XXXX. It took until XXXX of XXXX for them to finally get us set up. In XXXX of XXXX, we had a fraudulent check hit our account and were not aware until late XX/XX/XXXX. It slipped past our bank reconciliation process because the thieves used a similar check number and dollar amount as the original check. Truist refuses to reimburse the funds stating we were negligent. However, we attempted to set up Positive Pay to prevent fraud for several months and were hindered by Truist 's slow process to get it up and running. We feel this is Truist 's fault as they could not set up for us the fraud prevention services for us in a timely manner, causing us a loss of $ XXXX.
Product: Debt collection

A verification of debt has not been provided by the company. I have disputed this directly with the credit bureaus as I am not aware of the debt. Additionally, the collection attempts they have been made by this company violate FDCPA they have left messages stating that I will be arrested in connection to the debt these are violations and harassment.
Product: Mortgage

My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. XXXX cell number. 
My complaint is agains Shellpoint Mortgage, XXXX New Rez. 
NewRez LLC XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX Main Office NMLS ID # XXXX Loan # XXXX This company bought my loan XX/XX/2019 was my first payment to them. The original loan was for {$140000.00} and the appraised value was {$150000.00}. 
Attached are the loan payments. On XX/XX/2019 I paid a lump sum of {$21000.00} to lower the principle to under 78 % of value. I have attached files. 
I called to make sure my PMI was canceled, They made me do a written request which I did. I got a letter saying an appraiser would be contacting me in 7-10 business days. Well that didn't happen. After numerous phone calling and all kind of issues trying to talk to a person. I got a call in XX/XX/XXXX, from XXXX XXXX, a Broker from XXXX, not even in my market, did a " Broker Price Opinion '' yes, he is not an appraiser! Attached is his report. 
His lack of knowledge of the area, he used 3 properties in the city limits. I live in an exclusive neighborhood. The home to the left of me sold for {$170000.00} in XXXX and the home to the right of me sold for over {$300000.00} this month. 
They will not contact me back, I have left messages with XXXX XXXX, the Supervisor because my direct contact XXXX XXXX phone is now not working. XXXX. 

Pay the Mortgage Down to 78 % of the Purchase Price Because of the Homeowners Protection Act, PMI now has a default setting This is a level at which it a lender must cancel it automatically. The mortgage servicer is required to drop your PMI coverage when the outstanding balance of your mortgage drops to 78 % of the original value of your home. 

If the original purchase price on the house was {$200000.00}, your lender must cancel PMI when your outstanding loan amount drops to {$150000.00}. This is 78 % of {$200000.00}. 

This should happen even if you do nothing in an attempt to remove the PMI. You must, however, be current on your mortgage at the time this happens. Otherwise the lender is not required to remove the coverage. 
Please help, thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is EQUIFAXs to be reporting correct and accurate information on my credit report and file, however, they are NOT. EQUIFAX is reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XXXX account WITH NO ACCOUNT NUMBER PROVIDED. This includes a NOT MORE THAN XXXX PAYMENTS PAST DUE with NO POSTED DATE. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report, I've called multiple times and submitted multiple disputes via certified mail. I'm tired of calling them so this is my final attempt before i decide to take them to litigation. 
please have them remove the inquiries listed in the FTC report here they are listed again : EXPERIAN : 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

This is an extension ( additional information ) of a previous complaint filed with you : Compliant ID # XXXX Please note information from previous complaint - I had mistakenly paid {$15000.00} ( paying off the loan to a XXXX balance ) when i intended to only pay {$10000.00} I requested they refund the {$5000.00}. the following business day after making the payment ( XX/XX/XXXX ) i've spent hours and hours on the phone with them. -- -- Currently on XX/XX/XXXX Capital One Auto Finance did indeed finally re-instate the loan and say they are sending me a refund in the amount of {$5000.00}. However, instead of the loan indicating I now owe {$5000.00}. they re-instated the loan for the entire amount that i had paid and it now says i owe {$15000.00} ( with a 'missed payment ' indicated a fee for a missed payment and states i owe a double payment of {$560.00} today ( XX/XX/XXXX ) it also appears they charged me {$46.00} interest, both going and coming with the money. 
I'm very concerned. They were paid {$15000.00} - they are refunding me {$5000.00}. but are indicating that i owe {$15000.00}!! 
I still don't have the {$5000.00}. they say they refunded me on XX/XX/XXXX, but they either need to refund the entire amount ( NO late fees - NO additional charges ) and pick back up with the loan - OR refund the {$5000.00}. as requested and indicate the proper balance due of {$5000.00}. ( NOT {$15000.00} ) or ... IDK but this couldn't have been messed up any worse if they'd actually been TRYING to mess it up. 
I also need to make SURE they are not going to report me as having missed a payment. I did not miss a payment! Good Grief. This is incredibly ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. This was attached to my dispute letter. Accounts have been updated which means they was not correct to begin with.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Bank of America is reporting my equity line under Derogatory Items due to the way they report to the credit bureaus. I have never been late ever. This is adversely affecting my credit score and I am unable to refinance my other properties. The value of the property dropped, and they put this on my credit report. Its not my fault it dropped. Why is this on my credit report????
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request for Validation of Debt under 15 U.S.C. 1681 and Fair Credit Reporting Act I sent them this. 

I am writing to formally dispute the accuracy of the information associated with the debt listed under my name and to request validation of this debt as stipulated by 15 U.S.C. 1681 under the Fair Credit Reporting Act. 

On [ insert date you originally sent the letter ], I sent your office a letter requesting validation of the debt, including a detailed payment history and a copy of the signed contract which purportedly obligates me to pay this debt. To date, I have not received satisfactory proof or validation of the said debt. 

As mandated by federal law, specifically 15 U.S. Code 1682 and 15 U.S.C. 1681, your agency is required to accurately and fairly validate the information before continuing to report such debt to any and all credit reporting agencies. 

Please provide me with the following : 1. A copy of the signed contract that legally binds me to pay the debt. 
2. A complete payment history on the account, starting from the date the debt was incurred, detailing all payments made and charges assessed. 
3. Any additional documentation or evidence that substantiates the validity of the debt. 

Until these requirements are satisfied, I request that this item be removed from my credit report, as reporting inaccurate or unvalidated information is a violation of the Fair Credit Reporting Act. 

I expect your diligent cooperation and response to this matter within the 30-day time frame set forth by the Fair Credit Reporting Act. Failure to comply may result in legal action including, but not limited to, a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate state or federal agencies. 

Thank you for your urgent attention to this matter. 

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

On XX/XX/XXXX, I wrote a dispute lette

r to XXXX  & Equifax & Equifax credit bureau, asking for verification of a XXXX XXXX account thats being reported on my XXXX  & Equifax credit report per 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. ( Verification Letter Attached ) The verification letter was sent certified mail and was received on XX/XX/XXXX by XXXX & Equifax. ( Delivery certification letter confirmation attacked ). On XX/XX/XXXX I received a letter stating that XXXX  & Equifax investigation was complete. After reviewing the report, XXXX  & Equifax stated that Outcome : Remains. This item was not changed as a result of our processing of your dispute. ( XXXX report page 1 and 2 attached ) After reviewing my report, I did my own investigation and placed a call to XXXX XXXX to see if they had any information on me for this account. On XX/XX/XXXX I placed a call to XXXX  around XXXX XXXX and spoke with a representative name XXXX  ( AKA ) no employee number was given. He indicated that they have no information on this account, because they sold it to a third party on XX/XX/XXXX. After placing the call to XXXX XXXX, I knew that XXXX  & Equifax was in clear violation of the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I am very concerned about the validity and accuracy of XXXX  & Equifax investigation, as this inaccurate item remains on my credit report, which is a clear violation of the FCRA. If XXXX  & Equifax had investigated properly, rather than using a e-Oscar   system, they would have known, that this account does not exist per XXXX XXXX, but XXXX  & Equifax claims to have verified this account was accurate. It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain the reasons for my dispute is not reasonable.
Product: Mortgage

My mother until her death in XX/XX/2012 had a mortgage with XXXX XXXX XXXX XXXX, the original loan is controlled by Wells Fargo, payment were made to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, stop collecting payments and now the mortgage payments go directly to Wells Fargo.

The mortgage is in an estate account I'm really concerned about this adjustable rate of 9 % which increases every six months. The mortgage payment is {$1500.00}, {$1200.00} is interest {$340.00} goes to principal. I now when my mother was alive she tried to get a fixed rate, to no avail, due to her retirement. Mortgage payments are paid on time, taxes are up-to-date This is an income property. I have tried on many occasion to refinance this property either my income was insufficient and now I'm unemployed. I'm disgusted in the amount of interest I'm paying to the shareholders for this mortgage and how little is going towards the principal. Mortgage rates is currently at 4 %, we are paying 9 % adjustable.