23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I find it incomprehensible that your bureau has allowed this investigation to languish without any meaningful progress. It is evident that the fraudulent accounts continue to stain my credit report, causing irreparable harm to my financial standing, and yet there is a distinct lack of transparency about the reasons behind the delay. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The Fair Credit Reporting Act ( FCRA ) allows for an extension of the investigation timeline, but the lack of any response from the creditor and your bureau 's failure to provide valid reasons for the delay is nothing short of infuriating. 
XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have received no indication from the creditor that they have responded to the investigation, despite your bureau 's claim that they have. It is imperative that you provide me with a copy of the response letter from the creditor, including the date it was allegedly sent. The lack of transparency and communication in this matter is not only infuriating but also a violation of my rights as a consumer seeking resolution.
Product: Mortgage

I believe an error has been made in the evaluation of the removal of my Private Mortgage Insurance. 

Here are the facts of the matter : I purchased my home on XX/XX/XXXX using XXXX XXXX as my mortgage lender with a 5 % down loan that included borrower-paid PMI Huntington Bank purchased my loan from XXXX XXXX and subsequently sold it to XXXX XXXX Huntington Bank continues to service my loan I have been making on-time payments to Huntington Bank since the origination of my loan At my closing, I signed a PMI disclosure indicating that I needed to achieve a 20 % equity position, and have made my payments on-time to be eligible for the PMI to be removed. ( disclosure enclosed ) I contacted Huntington Bank customer service, an appraisal was ordered* and my current loan-to-value based on my outstanding balance and appraised value is 79 %. 
Huntington Bank sent me a denial letter for the removal of my PMI due to the fact that my loan was originated less than 5 years ago and has an equity position of less than 25 % ( denial letter enclosed ) No where in my closing document is there mention of a time frame during which I must achieve greater than 20 % equity position as a consideration of PMI removal While I understand if I had originated my loan with Huntington Bank or XXXX XXXX, I would be bound to the terms of removal formula that Huntington and/or XXXX XXXX employs I originated my loan with XXXX XXXX. Huntington and XXXX XXXX purchased the loan and are bound to the terms under which it was originated. Items such as the interest rate, mortgage amount and the terms on which the PMI would be removed can not be changed after the origination of the loan. 

My request is for the removal of my Private Mortgage Insurance effective the next payment after the appraisal that Huntington ordered was completed ( XXXX XXXX, XXXX ). 

*Additionally, I want to make you aware that the appraiser who completed the Huntington Bank ordered appraisal, omitted a bedroom, did not adjust for the school district my home resides in ( in comparison to other homes in my neighborhood that are in a less-desirable school district ), and did not account for the substantial improvements that have been completed. The appraisal I personally ordered left my current loan-to-value at 78 %.

Please acknowledge the receipt of this request.

Thank you.
Product: Mortgage

I went through a divorce and applied for a mortgage modification, I followed all the rules all the way to the Ombudsman office ... .... 

I will be sending correspondence from the OMBUDSMAN OFFICE stating clearly the name can be removed in order so I alone may sifn the modification Please help
Product: Student loan

Fedloan stated that they processed my refund for my student loans, but I have yet to receive a refund after 3 months. I followed up with them many times. I also recently learned they switched my servicer to XXXX and I will have to start the process all over again, delaying the process and causing me to possibly pay interest on loans that were already paid off and requested to be refunded due to the new forgiveness program.
Product: Credit reporting or other personal consumer reports

I am frustrated because I am being taken advantage of by Amerihome. I have filed a dispute because I do not feel they have fully verified everything they are reporting is 100 % maximum possible accuracy.
Product: Mortgage

Approximately FOUR MONTHS after closing on our refinance, we were contacted by e-mail by XXXX advising there was an " issue '' with our property taxes amounting to a {$3500.00} shortage that would be needed to be paid. WE IMMEDIATELY followed up with the company demanding how could the property taxes be missed. This is when XXXX XXXX advised that the expenses including winter taxes, a delinquent water bill was the driving force and could not be anticipated prior to our closing. HOWEVER, upon my research and speaking with someone with the City of XXXX XXXX, this is absolutely NOT TRUE. This information could not only have been anticipated, but also confirmed PRIOR to closing. The water bill itself was simply a call to the municipal building that would've provided any balances HAD that been inquired about. So, this is an untrue statement. Furthermore, this is information is public record and could've been requested and obtained from our city municipal website. The City Office is unclear as to why this information is so " baffling and unanticipated '' as Mrs. XXXX claims. They assured me that this is a common practice and that information could've been provided at ANY TIME during the year. 

Secondly, I would like to note that this process has been riddled with inaccurate, rushed information from the very onset. Always a fee, always a representative having to do research with underwriting. Now, here we are 5 months into our refinance and being blindsided with a nearly $ XXXX bill. WHY WAS THIS NOT TAKEN FROM ESCROW OR ADDRESSED PROPERLY AND PRIOR TO THE RUSHED CLOSING? 

Simply, because this was a RUSHED process to attempt to close as many loans as possible. If I called and got all the information needed within a simple 15 minute phone call, as well as was guided through a system online with information pertaining to the public records regarding the property address where the information they are FALSELY claiming that the information they are seeking was " unanticipated ''. The representative at the City Clerk office said that statement is simply UNTRUE.

I can only imagine how many homebuyers are being treated in this way. We have submitted a requested to the FTC requested research into this unethical business practice to determine if this is affecting hundreds, if not THOUSANDS of individuals who have recently refinanced with this company
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 card

We already did this, XXXX XXXX  total XXXX XX/XX/2022. I never oked these transactions. They have denied. me again and still have not sent me the emails. There are no emails, I did not ok anything. Asked them how they can keep from giving back the money, with no emails. They said it was your card. It was my card, that obviously got hacked..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, account number:XXXX. XXXX XXXX XXXX, account number : XXXX. And XXXX XXXX XXXX, account number : XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this 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.

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

I had two XXXX XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with XXXX XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards
Product: Debt collection

This letter is regarding account #  XXXX , which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have  XXXX  or ever had  ) so me contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX   ) from y our company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDC PA 807 [ 15 USC 1962e ] ; ther efore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for  : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection   Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.  <P/> For the purposes  of 15 USC 1692 et seq., t his Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.  <P/> Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/> Sincerely,
Product: Credit reporting or other personal consumer reports

I went to the dealer on XX/XX/year>, with me didnt whos wanting to do a drive test on XXXX XXXX XXXX but at the end he doesnt like it at all, and the salesperson was very persistent trying to sale a car anyways possibles. We explained our situation and we had been very specifics that myself count with a pre-approval letter from XXXX and we want to see the number first and only run one Credit Report Inquiry. All Verbal agreed with that. Minutes later the salesperson came up with the excuse Apologies I forgot to tell the financial manager to run only one inquiry, but dont worry just stop him and he made only one with XXXX but at the end both of us still with several inquiries. 
I want to make it clear that, feel betrayed because the salesperson doesnt keep his word regarding, we discuss and agreed about inquiries, must when we were very clear with him. Otherwise, I dont allow XXXX to made or referring the application to another lender do inquiries as result impacted my credit profile negatively dropping points after hard inquiries this is unacceptable for a loyal consumer whos has been with NMAC and XXXX for more than 6 years. 
I request that all credit inquires been deleted and eliminated ASAP, I do not Authorize run several inquiries that include XXXX and XXXX XXXX XXXX and affiliates. Please train Salesperson to be transparent and good practices in mind. Customers deserve respect to maintain agreements of any kind they come.
Product: Debt collection

A collection from Harvard Collection appeared on my credit report in the amount of {$1700.00}. The original creditor is listed as XXXX XXXX XXXX XXXX XXXX. I have no knowledge of this debt and have not lived in the state of IL sinceXX/XX/XXXX, 11 years ago. I have had no communication from either entity for the last 11 years regarding any such debt. 

I have disputed this debt on the XX/XX/XXXX website and will also dispute it with the other two bureaus by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00}, and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

HEY XXXX XXXX- TRY HARDER. 

Your responses to my previous complaints only illustrate how little care your company takes in addressing these matters. My concerns related to Square date back far before the transaction for {$3600.00} which you made the centerpiece of your response, however it was not actually even MENTIONED in the complaint you were responding to. While an error in your software did occur that day, a fact that you have XXXX  myself AND XXXX, the recipient of that transfer about until your customer service lackeys were blue in the face, again that transaction WAS AT NO POINT EVEN BROUGHT UP. 

This serves as further evidence that this transaction and my complaints about your software are the true reason for my banishment from the platform. In fact, you have all but admitted this with your response sobre again I DID NOT EVEN MENTION THAT TRANSFER IN MY COMPLAINT. 

You guys arent even trying to be compliant at cash app. CFPB are you getting this XXXX? Unbelievable! 

TRY HARDER!! And give me me XXXX account access back before I sue you. Your ridiculous terms of service are NOT LAW, as much as you might like to tout them as such, they are just made up words with no actual legal impact given that square is operating a de jure criminal enterprise. 

I mean you guys dont even pick up the phone XXXX!
Product: Vehicle loan or lease

My 2015 XXXX XXXX was stolen and damaged. It was gone for a while month. And the car company didnt give me any type of consideration, just kept asking for there money. When we found the car it needed fixing. So it was either the car company give me a grace period or they take the car while I try to get the vehicle fixed. They chose to repossess the vehicle one day when it was sitting at a mechanic house.
Product: Debt collection

I didnt even realize that this collection agency was trying to collect this debt. Recently received notice that they are repeatedly reporting this on the credit bureaus twice a month as if new. This has dropped my score by 150 points from flagging chapter XXXX dismissed repeatedly. I had no knowledge of the debt owed to them. My debt was satisfied with a 1099c from original debtor. I do not owe this company and now they are abusing my credit report. I have uploaded pictures of the 16 times they have flagged my credit over the last 8 months. This amount isnt even the amount I originally owed the original creditor, it is more
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had problems with identity theft and forgery, I have contacted all 3 credit bureaus and let them know about the problem I have been having. Equifax will NOT remove this fraudulent account off my credit report and i have reached out to them and the creditor twice regarding this account. The other bureaus have blocked this information from my credit report. The company has failed to comply with the Fair Credit Reporting Act regarding identity theft. This has been an on going issue and it is causing me a lot of pain and suffering.
Product: Mortgage

Dear Sir I wish to complain about my escrow account from XXXX and XXXX which was reported from Wells Fargo a {$7200.00} shortage. 
When I first learned of this issue this year, I immediately contacted Wells Fargo on XX/XX/XXXX, and was told that they would start investigating my escrow account from the past two years. I paid last years shortage, but when this year was short as well a red flag went up. However, now we are approaching XX/XX/XXXX with no progress resolving the issue. My mortgage has a {$500.00} increase with the new calculation from Wells Fargo. I am looking forward to your assistance in this matter. 

Sincerely, XXXX
Product: Debt collection

Republic Finance keeps calling my work cell phone even though I have asked them not to contact me at work. I have provided my personal phone number for these calls. Somehow they make the caller ID show that it is my place of employment calling rather than Republic Finance. This has happened at least 2 times and I have asked them not to do this as they are misrepresenting themselves when they attempt to contact me. I was told that they can attempt to contact me in any way since I owe them money. Is this correct? Are they allowed to make the phone call appear to be coming my from my employer 's office rather than Republic Finance?
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX OF XXXX - XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX  IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

I have sent identity theft report and they have continuously denied me my right to have fraudulent accounts be blocked from my report. According to the FCRA If i was a victim of identity theft, report agencies have up to four business days to delete them from my credit report which they continually fail to do. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Mortgage

IN XXXX I REFINANCED MY HOME WITH XXXX XXXX XXXXXXXX UNDER THE HAMP GOVERNMENT INSURED PROGRAM. AT SOME POINT I WAS INCLUDED IN THE PAY-FOR-PERFORMANCE PROGRAM IN CONJUNCTION WITH THE HAMP WHEREBY IF A BORROWER PAYS THEIR MORTGAGE TIMELY EACH MONTH IN ANY GIVEN YEAR, YOU WERE AWARDED XXXX OF TAX FREE MONEY CREDITED TOWARDS YOUR MORTGAGE BALANCE FOR UP TO 5 YEARS. 

XXXX XXXX XXXXXXXX CREDITED MY BALANCE FOR THE FIRST TWO YEARS OF PAY FOR PERFORMANCE INCENTIVE PROGRAM. THEN XXXX BEGAN SERVICING THE LOAN AND CREDITED MY ACCOUNT FOR AN ADDITIONAL 2 YEARS. THE LOAN WAS THEN TRANSFERRED TO NATIONSTAR NOW D/B/A/ MR. COOPER . MY FINAL XXXX INSTALLMENT WAS DUE IN XX/XX/XXXX. FOR THE LAST 10 MONTHS, I HAVE BEEN CALLING NATIONSTAR/MR COOPER FOR THE FINAL INSTALLMENT ON A WEEKLY OR MONTHLY BASIS. NATIONSTAR HAS MADE MANY EXCUSES FOR NOT PAYING THEIR OBLIGATION CLAIMING LACK OF DOCUMENTATION. THIS IS BELIED BY DOCUMENTS I MYSELF AND XXXX REPEATEDLY SENT THEM ON MY BEHALF. XXXX   TOLD ME IT IS THEIR STANDARD COURSE OF BUSINESS AND LEGAL REQUIREMENT TO ROUTINELY TRANSFER ALL LOAN DOCUMENTATION TO SUCCESSOR LOAN SERVICERS, INCLUDING ALL ORIGINAL DOCUMENTS FROM XXXX XXXXXXXX XXXX. 

FINALLY, NATIONSTAR ADMITTED IN ITS XX/XX/XXXX LETTER THAT THE XXXX CREDIT WAS DUE PROMISING POSTING TO MY ACCOUNT BY XX/XX/XXXX. THERE HAS STILL BEEN NO PAYMENT AS OF THIS DATE XX/XX/XXXX. WHEN I CALLED THEM, THERE WAS NO EXPLANATION FOR THE ADDITIONAL FAILURE AND REFUSAL TO PAY. 

NATIONSTAR HAS JERKED ME AROUND FOR 10 MONTHS OVER THIS CONTRACTUAL GOVERNMENT-SANCTIONED OBLIGATION ON THEIR PART WASTING HOURS OF MY TIME.