23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called NewRez Mortgage Servicing LLC on Tuesday, XX/XX/XXXX to request removal of my PMI. At that time, my loan-to-value was 79.89 %. I have made on-time payments for my home loan since my loan was transferred to NewRez. The last time I made late payments for my loan was in XXXX and XXXX of XXXX. At that time my loan was being processed by a different servicer. 
When I spoke with the representative, I was informed that someone from NewRez would be reaching out to me within three to seven business days regarding my request. That did not happen. 
I did not receive a phone call nor did I receive any correspondence by mail regarding my request. 
I called to follow-up on the status of my request on Friday, XX/XX/XXXX. Per the representative that I spoke with, my request was still in progress. When I requested to speak with the NewRez representative who was handling my request, I was told that I could not be transferred. Not because the representative was unavailable, but because there was no NewRez representative working on my request. When I asked for any documentation/notes on my account, I could not be provided with any. Again, because no NewRez representative was working on my request. 
Today is XX/XX/XXXX and I still have not heard from any representative nor have I received any mail correspondence from NewRez regarding my request. 
Just as there are expectations that consumers should follow ; the same should apply for service providers like NewRez. I am not asking NewRez for a favor, I am requesting cancellation of my PMI, which is well within my right as a homeowner. I am very disappointed with their failure to handle my request in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has assumed this role without my permission, and did not exercise their GRAVE responsibility. They have been UNFAIR and IMPARTIAL and did not protect my privacy.

Pursuant to 15 US 1681B ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Product: Debt collection

I signed a lease with the XXXX XXXX in XXXX, XXXX, which started in XXXX. Due to employment circumstances, I had to move back to XXXX. I informed the apartment complex, and they said I had to pay XXXX dollars to them in order to break the lease, as well as XXXXwo months rent. I had no problem with this, and paid the two months rent as the bills came. A bill or means of paying the XXXX dollar fee never came. I never had the opportunity to pay the XXXX dollars, until it went to a collections agency. So while I was informed I needed to pay the XXXX dollar fee to break the lease, I was never even given the opportunity too until the debt was sent to collections. I have received very limited correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account from XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

XXXX XXXX TransUnion XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up and final demand for resolution regarding the unauthorized and invalid negative items still being reported on my credit file. Despite my previous disputes and the clear evidence provided, the failure to address this issue demonstrates a lack of responsibility and non-compliance with your obligations under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with XXXX for over 10 years and I switched to a pay over time plan. I have not missed a payment and they were charging me interest every month. They started dinging my credit and I was paying every month not the full amount but I did n't have to because I had pay over time and was paying interest charges every month. They Closed my account and I have kept paying trying to dispute it. They sent to collections agency even though I have never stopped paying. I have paid off the balance direct with XXXX not through Collections and they said they will reinstate my card with all my points and benefits. But I still have ding on my credit which is incorrect because I have always paid my bill. 

Regards, XXXX
Product: Debt collection

The Representative - XXXX XXXX for Integrative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX repeatedly contacted me earlier today with regard to collecting an outstanding Payday loan that had been referred to his office for collections. He left several voicemails on my cell phone while I was at work with him laughing stating " I win '' and singing " it 's a lonely world '' XXXX XXXX repeatedly called me " XXXX '' and " terrible person '' who " does n't deserve to walk the face of this earth '' and demeaned my level of education although I have a XXXX XXXX XXXX from a very reputable university. He proceeded to threaten to expose private confidential personal information to my employer which is wholly illegal. He even went so far to attempt to demean me by asking if I visited my mother in jail, she is n't and has never been incarcerated and even if she was, this is beyond acceptable conduct. 

He threatened criminal charges would be filed against me and that my assets would be seized if I did not provide him my credit card information immediately. Furthermore, XXXX XXXX refused to allow me to speak with his supervisor or another representative as his level of harassment was well beyond anything that I have experienced before. 

The conduct of this company has been well documented by multiple parties other than myself and was substantiated by another representative whom I speak with who also stated " I do n't like him either because of the way he treats people. '' It is absolutely unfair to the consumer to endure such harassment and defamation because of {$400.00}.
Product: Debt collection

XXXX XXXX  created a false lease dated XXXX XXXX and forge me and my roommate XXXX degree signature and submitted it into the courts and credit bureau and debt collector. I was aware of this document by the debt collectors when they called to collect {$3000.00}. My original lease dated XX/XX/year> which I was not able to finish because a dispute occur XX/XX/year> XXXX XXXX called police to have us trespass from property after dispute when we requested document pertaining to mold, The lease that was created as if we were still living on property but not paying and theyre filed an eviction knowing we were not on property and they had 100 % possession of the property after i sent email XX/XX/year> stating i will not be returning and i lost my key to the property in complex office due to dispute. They also were aware 90 days ahead we was not renewing a lease and i gave no permission to draft up a new lease and neither did me or my roommate sign this lease the signatures presented was not my legal signature. XXXX XXXX  changed management after incident occur and I have been unsuccessful trying to contact office and management. I went to clerk of courts and a eviction was filed stating i was living there in XX/XX/year> and they wanted possession of property from me which is not accurate because we had no keys to enter property and we were trespass and banned to return to property on XXXX XXXX. My lease expired XX/XX/year>, XXXX XXXX draft up a false lease with false date to extended payments and lease out to create eviction. So they were aware they had full possession of property after XXXX XXXX none of our property was in the home and lights were disconnected by the city XXXX, XXXX. I believe XXXX XXXX XXXX committed identify fraud and theft in retaliation after dispute by creating a new lease, forging a signature changing the date to submit invalid paperwork to put eviction on my credit when she was aware she had 100 % of the property and i paid all balance. Columbia debt recovery is aware of the fraud that XXXX XXXX  had created they stated in a phone call to me that I was lying and XXXX is a company they will not jeopardize they company for me and If I need money just say that or pick a better excuse Columbia debt recovery contacted me multiple times by email and phone call after I told them not to
Product: Credit reporting or other personal consumer reports

This account was repossession on the following date XX/XX/year>. Since then, the account has repeatedly been updated as repossession every month. This the update in the payment history. This account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after i asked you do it twice and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received my dispute results from experian report number XXXX. { see attached X-1 } I had disputed the account from Security credit services account number XXXX for a major violation of the fair credit reporting act for re-aging the debt. Security credit services has validated the on record date of XX/XX/XXXX. XXXX  also allowed this to remain on the record without properly investigating it. On XXXX I received my dispute results from experian report number XXXX { see attached X-2 } I had disputed the account from security credit services account number XXXX for inaccurate info but the on record date Until XX/XX/XXXX. Security credit services has willfully made false statements to XXXX  about the age of the debt. XXXX  has failed to investigate properly on my behalf and is in violation of the Fair credit reporting act. the debt has been re-aged and must be removed from all credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I unfortunately fell victim to a scam. I thought it an old friend from high school, but apparently their XXXX account had been hacked and the malicious actor was posting fake items for sell. I put a deposit down for the item, when they kept asking for more that's when the red flags popped up. I realized I had been scammed so called Venmo to see if they could prevent these transactions from going through since they were still pending, I let them know these were fraudulent payments and that I had been scammed. They seemed to accept my report and opened up an investigation they told me could take up to 30 days. The spokesperson actually recommended I call my bank and try to stop the transaction there. So that's exactly what I did, I put a block on all transactions going to Venmo. No money was transferred out of my account. All is well or so I thought. 

About 3 weeks later on 8-14, I get a call from Venmo stating I have a negative balance on my account for {$500.00} ( Two payments of XXXX $ ). Venmo apparently didn't cancel the reported fraudulent charges and ate the transaction value since my bank had blocked all transactions with Venmo. When I spoke with the Venmo representee on the phone he told me that Venmo denied my investigation, so I was responsible for the XXXX . 

I informed Venmo the day of, if not minutes after the transaction happened ( it was still pending on Venmo ) that this was fraud. They should have canceled the pending transaction on their end, nor should I be held responsible for the debt. I own up to falling to a scam, but I reported this in a very timely manner to which it could have been prevented. I have read horror stories about Venmo customer service sending folks to debt collection, and therefor affecting their credit score for this same type of thing and do not wish to be part of this statistic. 

I requested the case details/information
Product: Mortgage

My husband took a second mortgage against our home several years ago. Subsequently he became severely ill and passed away in XX/XX/2012. At that point I requested a loan modification from the bank and sent all documentation related to the passing of my husband, along with dead certificate and related paperwork. I faxed the documents several times and every time they lost the docs and refused to talk to me arguing that my name was not in the mortgage. Eventually I saw protection under XXXX  XXXX and began the process of reorganization in order to take care of my responsibilities. During that process my then attorney sent the paperwork needed so that the bank could make arrangements with me personally. They exchanged some communication with me to inform me they would only deal with my attorney. My attorney continue to fax docs prompting the bank to discuss my payments with me directly. However they follow the same deceptive practice of asking me for paperwork that they would eventually lose again. Through many hardship and anxiety over losing my home, responding to letters sent to me, I made a last attempt to try and reach a resolution with them. They did not answered and went on to order the sale of my property without serving me with all paperwork related to their intentions to foreclose on my home.Tired of being mistreated, feeling discriminated by their agents I talk to the attorney general deputy XXXX XXXX XXXX. I also contacted them ( the bank ) today and spoke to XXXX ( refused to give me her complete name ). XXXX XXXX told me I needed my husband to sign an authorization in order for them to talk to me. My husband has been gone since 2012.
Product: Debt collection

Upon inspecting my recent credit report, I identified multiple fraudulent accounts that seem to have been inserted without my approval.
Product: Credit reporting or other personal consumer reports

This account is improperly coded. It is currently coded as XXXX, but it is a BUY NOW, PAY LATER ( BNPL ) account and is not meant to be factored in current scoring models, according to Experian.
Product: Checking or savings account

Bank of America charges over draft fees but yet the account activity log never shows where the account actually went negative. This has happened to me several times with Bank of America. I was charged a {$35.00} overdraft fee but yet when you call and try to go over the account activity log with the employees, they have a completely different log that does n't even reflect the same information.     on my enclosed attached bank log, it shows my account was in the positive until the overdraft fee, that is the only time my bank went negative
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has been posting late payments to my consumer report I have tried to dispute this information for months and many disputes. it's against the law to report credit transactions on a consumer report. According to 15 U.S.Code 1681a ( 2 ) ( A ) ( i ) Exclusions it states report contains information solely as transactions or experiences between the consumer and the person making the report ; Reporting transactions is illegal.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX XXXX/XXXX/XXXX Trans Union XXXX. XXXX XXXX XXXX, XXXX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification 1. XXXX XXXX no account number Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old. 

These are the non account holding inquiries over 30days old 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 Thank You, XXXX XXXX Attached : Copy of my Social Security XXXX XXXX XXXX XXXX is attached
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the covid19 credit acceptance has been wrongly reporting false things in my account. Im effected by the covid19 and theyre suppose to submit that to the credit bureaus but theyre not. Theyre putting delinquencies on my credit report which makes it look like its my fault the world has corona virus. Inaccurate remarks on my credit report lowered my score by 120 points. Theyre were order by the government not to report any foul or delinquencies to the credit bureaus and they still are. Theyre doing it to all if there customers to force a payment when the world is shutdown. I already discussed this with the three credit bureaus and won. Some higher entity needs to check credit acceptance as company. Many Americans are out of work and have no ways to get nothing. We didnt create corona virus. This is fraud and illegal and legal actions need to be taken rapidly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the debt that PNC Bank is attempting to collect from me, based on the Michigan statute of limitations on debt and 15 USC 1681b. The debt in question is a secured credit card. 

According to the Michigan statute of limitations on debt, the statute of limitations for the type of debt in question has expired on XX/XX/2022. Therefore, PNC Bank is no longer legally permitted to collect this debt from me. 

Furthermore, the Fair Credit Reporting Act ( 15 USC 1681b ) states that after seven years, negative items on a credit report must be removed. As the statute of limitations on this debt has expired, your company is not permitted to report this debt to credit bureaus, and any such reporting is in violation of the FCRA. 

I demand that PNC Bank immediately cease all attempts to collect this debt from me, as it is time-barred by the statute of limitations. I also demand that you remove any negative items related to this debt from my credit report. 

If I receive any further communication from PNC Bank regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action. 

I would appreciate a prompt response to this dispute, including confirmation that you will no longer attempt to collect this debt from me and that you will remove any negative items related to this debt from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Company requested credit inquiry without my consent.