23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are trying to split a parcel of land located in XXXX XXXX, Minnesota. We have been approved by XXXX XXXX to subdivide the lot and filed new deeds with the county, but the entire parcel is still being held for collateral by Nationstar Mortgage. The mortgagee and our neighbor is XXXX XXXX. He has given my husband and I permission to submit paperwork on his behalf. 
We had to have an appraisal done for Nationstar as part of the application for land release from them. XXXX XXXX 's parcel, after the split, is worth {$190000.00}. His loan balance is approximately {$20000.00}. Yet Nationstar is requiring he pay {$2900.00}, to be applied to principal, in order to release the property. 
We are just wondering if, per the statement pertaining to the OVL formula, if this is fair since the appraised value of the property by far exceeds the current principal balance. 
I believe this is the clause in the Partial Release Application pertaining to our situation : If monies are needed to secure the value of the loan, the borrower will be contacted and advised of the amount. This amount must be paid and applied to the mortgage loan as a principal payment reducing the outstanding balance prior to the execution of the partial release, or, might be used for property improvements. The resulting loan to combined value ( CLTV ) ratio after the release is completed can not exceed the C LTV before the release. Nationstar Mortgage 's value in the property must be secured in order to process a partial release. Any reduction in value can not exceed the principal payment received.
Product: Debt collection

They call me daily at all hours from different numbers after i told them not to contact me and that i will get to them when im financially able to and that i have verified the dept they are trying to collect is real i still get calls from them they have started calling every other day but still wont stop they are called ERC but they wont tell me what it stands for and when they call they just give me the name of the person i am talking to and demand to know if it is me i have told them i will block their numbers the lady just laughed and said good luck amd now they continue to call from different numbers XXXX at XXXX XX/XX/19, XXXX XX/XX/19, XXXX XX/XX/19 XXXX at XXXX XX/XX/19 and XXXX XX/XX/19 and they called me 15 times in XXXX and XX/XX/XXXX that i didnt record.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYXX/XX/2019 WHEN I WAS APPLYING FOR MY SONS AUTO LOAN, I GOT DENIED FOR HAVING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER APPLIED FOR ANY OF THESE LOANS LISTED IN MY FTC REPORT NOR HAVE I GIVEN ANYONE PERMISSION TO APPLY FOR THEM, I HAVE NEVER AUTHORIZED 17 INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT EITHER. 

EXPERIAN REPORTING 7 FALSE INQUIRIES AND XXXX XXXX XXXX XXXX REPORTING 13 FALSE INQUIRIES XXXX  7 FALSE INQUIRIES AND XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted Equifax in XX/XX/2018regarding the reporting of the XXXX XXXX XXXX XXXX. One that it is listed on my credit report twice with the same account number and second that this account belongs to a family member with a similar name and dob ( except for year born ). When Equifax responded that the account was verified as accurate, I asked them in writing to provide documentation of any signed contracts, who they spoke with and dates. Any information that would substantiate their proof of verification and so I can go back to the company. And also sent them verification of who I am so that they can verify signatures and dob.. When Equifax came back again stating it has been verified and still did not provide copies of any documentation used to verify this information or names of the person contacted it leaves me to believe they, Equifax is just sending out letters and not making any effort. As Equifax can see I am in the process of making payments on time, paying off bills, being more responsible and raising my credit score. It doesn't help if they are just processing complaints and sending out generic letters. Which in turn lowers my score the longer inaccurate information is listed on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

National Credit Systems Attn : Dispute Department XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Here is the final version of the letter including the mention of the FTC Identity Theft Report for account # XXXX Subject : Dispute of Account # XXXX and Account # XXXX Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute the accuracy and validity of the debts associated with the above-referenced account numbers, which appear on my credit report. These debts are listed by your company, National Credit Systems, and I believe they are incorrect due to identity theft. 

I have never opened accounts with your company or authorized any transactions related to these debts. Therefore, I request that you take immediate action to investigate this matter and remove any fraudulent charges from my accounts. Specifically, I request the following
Product: Credit card or prepaid card

I had a fraudulent charge on my best buy credit card. I immediately called them to try to stop the shipment to the wrong address. They did nothing to stop it. 

Now that my current card is closed and they opened up a new card, they carried over the fraudulent charges to my new card - almost {$500.00}
Product: Mortgage

This mortgage is the second on the property. Due to hardship we are going through a DIL on the property. Process started in XXXX. By XXXX the primary mortgage had approved the DIL but needed the second to be cleared. We had contacted the second mortgage communicating out intentions and filled out the requested paperwork in XXXX and early XXXX. The first mortgage made a settlement offer. I was given verbal confirmation that the settlement was approved near the end of XXXX. An acceptance letter was sent in XXXX. The letter was not the appropriate letter for the situation. It stated that they would take possession of the property, not release the lien, among other things. After much discussion between myself and the two mortgage companies, an appropriate letter was produced. We signed it and notarized it. The first mortgage sent a settlement check near the end of XXXX. The check was " lost '' ( it did eventually turn up 8 weeks or more later ). The first mortgage had to cancel the check and send another. This check was received XXXX XXXX and put into a suspense account. I was told the request for a release was filed around XXXX XXXX and would be completed within 30 days. The first week of XXXX it had not been completed. It had been shuffled through departments and " misplaced ''. I was told that it would be processed as soon as possible. It was sent in for recording on XXXX XXXX. The county returned it because they did not include recording fees. Initially, they were waiting for the returned documents to show up ( which to my knowledge has not happened yet ). After much insistence I was told that a new set of documents were being drafted and sent in. It is XXXX XXXX and this has not happened yet. 
Main complaints : Every step has taken to the last moment or longer to complete. 
Settlement acceptance letter was incorrect - should be standard. 
Emails and phone calls were rarely if ever returned in the " 24-48 hours '' All mailed documents/check lost I have had to follow up with every step to get anything done Recorded documents sent without payment. 
This should be a standard occurrence and every step has had issues. It feels deliberate or incompetent.
Product: Debt collection

I XXXX XXXX am an authorized user to my mother 's credit card account with this credit card company, and/or national association bank . I desire to be removed as an authorized user as I have established my own credit tradelines. I appreciate being an authorized user as it helped me establish credit. However, I have my own credit now and I desire to have only credit tradelines that I obtained on my own. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I initially called on XX/XX/XXXX to try and discuss why I am unable to use my account. I talked to an agent that said my information did not match those that was on the account and that I had to send information to the Equifax office of consumer affairs. I sent this information that Friday and was told it would be 5 days processing. That next Friday I called again because I had no response back even though I gave all my contact information they told me it was actually XXXX days processing. I waited until the next Friday and called again. They where still unable to validate my identity and now told me that my SSN did not even exist in the system and the agent said the first agent lied to me and that I don't exist in the system at all and that I need a credit card company to send a report to Equifax to update this information. I then called XXXX and had them send this information over. I waited XXXX business days and called Equifax again. The agent on the phone had me verify my identity and told me the name and address of the person who has my account information. I said this information was incorrect and she then transferred me to the office of consumer affairs which is who I sent the information to back on XX/XX/XXXX it is now XXXX XXXX. Talking to this agent he told me they never received any documentation and that they can't do anything unless they have paperwork through the mail and said sending it certified doesn't matter because they need to see the paperwork. I am trying to get a mortgage but this is preventing me and this has been going on for a month now and I am getting ran in circles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts 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

Someone opened credit card without my knowledge around XX/XX/year> midland credit managment XXXX XXXXXXXX Remove from XXXX credit file Remove from XXXX credit file
Product: Credit card or prepaid card

Bank of America dispute department unable to investigate the claim in a professional manner. 
Re : XXXX XXXX entry of XX/XX/21 for {$110.00} on A/C ending on XXXX On XX/XX/21 I disputed the above charge that I never called them to place this order. XXXX arbitrarily debit my account for {$110.00} since they have the account on file from a purchase of {$39.00} that, I made couple years ago at XXXX XXXX. I closed the credit card to avoid any further entries and because BOA does not care to investigate properly. BOA claimed that XXXX sent the merchandise to XXXX XXXX XXXX XXXX XXXX FL XXXX address that the have on file from the last transaction that I did at XXXX XXXX. 

For various occasions I requested proof of my signature that I received the item. BOA unable to comply with that request. BOA kept sending me unprofessional, unsigned and pre-printing letters every time I make an inquiry. 
The dispute with BOA have bee a nightmare. BOA debit my account 3 times leaving a balance of {$110.00} as their merchant XXXX claimed that I received the merchandise. They debit on XXXX and XX/XX/21 plus they are charging me {$24.00} on top of it each month. Your attention is appreciate as there is no professional communication with Dispute Dept. I written twice to CEO Complaint Dept in XXXX NC to no avail. 
Please help me to reach out to BOA as they keep ignoring my request and they keeping charging my account. They lost a faithful and decent customer I been with them for several years, I pay me account in full every month with no issues. They don't care, they rather collaborate with XXXX. XXXX can be digging into people old file and passing a entry to satisfy their number. Nevertheless BOA can not investigate their bad conduct. I am a victim of a fraud from XXXX and BOA supporting a wrong doing. Thank you very much. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX phone # XXXX I am ready to mail correspondents if is needed.
Product: Credit reporting or other personal consumer reports

The company Experian Has failed me as said consumer on a generated report that they failed immensely to properly investigate and properly report under the FCRA 15 U.S. Code 1681e - Compliance procedures they have reported false information and Pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$430.00} XXXX   XXXX {$1000.00} XXXX, XXXX  XXXX {$240.00} XXXX XXXX {$740.00} XXXX/XXXX  XXXX {$460.00} DPT ED/XXXX XXXX {$450.00} DPT ED/XXXX XXXX {$21000.00} USDOE/XXXX  XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unauthorized Credit Inquiry Dear Experian, I hope this letter finds you well. I am writing to formally request the removal of an unauthorized or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed an inquiry listed that I do not recognize or recall authorizing The details of the inquiry in question are as follows : 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 I have thoroughly reviewed my records, and I can confirm that I did not authorize these inquiries.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. I have already contacted the original creditors who pulled my credit report and filed a dispute with them as well. I kindly request that you investigate this matter and remove these inquiries from my credit report as it does not belong there. 
Please confirm in writing once the inquiries have been removed, or if any additional documentation is needed to support my request. 
I appreciate your prompt attention to this matter. 
Thank you for your time
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EDXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The debit card listed as the payment method on my XXXX website account was cancelled in XX/XX/2021. I did not pay the debt on my account until XX/XX/2021, which was {$28.00} at the time. I called XXXX directly, gave them my new card number, and paid the debt on XX/XX/2021. Despite this, I have received multiple letters and phone calls attempting to collect this debt.
Product: Credit reporting or other personal consumer reports

This morning, I was upset to find unauthorized inquiries on my credit report without any reason. I check my credit report regularly, but this time there were unexpected errors. Refreshing my browser didnt help at all, and the inquiries stayed. I'm really disheartened and angry, and I urge you to review the documents Ive sent to ensure this issue is dealt with swiftly and I never have to worry about it again.
Product: Mortgage

I applied to refinance my home mortgage with Chase Home Lending. My wife and I have excellent jobs as school teachers, our credit scores are both above XXXX, and our home appraised very well. 
Chase collected a " Good Faith '' application fee of {$500.00} and promised excellent service. 
As the process went on, it became apparent that Chase was holding up the processing of our mortgage because we had received a disaster assistance loan from the Small Business Administration for the recovery from Hurricane XXXX. 
I believe that the Chase underwriters acted in an illegal fashion in their failure to process this loan and that underwriting practices in this case constituted discrimination against us for taking the disaster assistance loan from the Small Business Administration. 
On XXXX, XXXX, 2016, XXXX XXXX of Chase Bank promised to refund my application fee, yet the firm has failed to do so. 
Please investigate the underwriting practices of Chase to see that this bank is not discriminating against survivors of disasters who are otherwise on excellent financial footing. Please instruct this firm to immediately refund the promised application fee. 
Thank you.
Product: Mortgage

XX/XX/XXXX I received my ESCROW statement from PHH mortgage indicating my homeowner 's insurance ( XXXX ) cost with remain the same from XX/XX/XXXX through XX/XX/XXXX. 

XX/XX/XXXX I received my ESCROW statement indicating a significant increase in my homeowner 's insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After consulting with XXXX, there was no explanation for the increase ( IE : no claims, faults, etc. ). I also learned that PHH mortgage paid XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, as a result, there is a significant increase to my monthly mortgage payments. 

The dates and payments do NOT coincide with each other and I believe PHH mortgage is at fault. The timeline of the policy amounts and payments do NOT coincide with each other.
Product: Debt collection

this accout show that it open and it has a past do balance, this info is completelly inaccurate, please remove this illegal info, its a shame how we let these collection keep on distroying people and nothing gets done
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have capital one account on my credit report I send two certified letter about the account both letter came back I asked to send any information about the account no response from them I send the credite buero XXXX remove it but XXXX and XXXX they didnt remove it so please I need this account remove or delete from my report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX
Product: Debt collection

I just looked at my credit report and NO way do I owe   XXXX     XXXX  {$770.00} I would like validation and what address was this account attached to? This is inaccurate data
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Transunion multiple times for trying to dispute information. It said I could complete the dispute for free ; however, Transunion keeps making me trying to pay. 

XXXX XXXX XXXX has placed a collection account on my credit every month and I have disputed the state of it previously. I filled a complaint with all related credit bureaus with reports with Fraud ATT Packet and police report. Initially, the company removed from credit report and the placed it back 2 months later
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccuracies on my credit report to Experian several times without a resolution. The following accounts are reporting accurate late payments and no data on my credit history which is destroying my credit report. XXXX XXXX XXXX # XXXX is reporting 30 days late in XX/XX/XXXX. I was never late in XX/XX/XXXX. In XX/XX/XXXX I paid on time and it's reporting no data with makes this account incomplete. 

I also disputed XXXX  XXXX # XXXX several times and Experian is still reporting XXXX  days late XX/XX/XXXX and XX/XX/XXXX which is inaccurate because I paid on time on those days. 

The last account is XXXX XXXX Bank # XXXX is reporting XXXX  days late XXXX XXXX, XXXX  days late XX/XX/XXXX XX/XX/XXXX, and XXXX  days late, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late payments are inaccurate because I paid on time on all these days. 

I disputed these accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Experian has failed to correct or delete these inaccurate accounts on my credit report
Product: Credit reporting

I have no knowledge of william and fudge debt and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me
Product: Credit reporting, credit repair services, or other personal consumer reports

The closed accounts listed below are not my account/creditors, however its on my credit report. 
XXXX XXXX XXXX - Account number XXXX- Amount {$1700.00} Date XX/XX/XXXX XXXX  XXXX- Date XX/XX/XXXX ; Amount {$12000.00} XXXX XXXX-Date XX/XX/XXXX- Account number XXXX ; Amount {$250.00} Bankruptcy- Account number XXXX, Date XX/XX/XXXX and XX/XX/XXXX Bankruptcy - Account number XXXX ; Date XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX- Date XX/XX/XXXX- Amount {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove ASAP.