23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I checked my credit report and realized there was an account reporting derogatory. On XX/XX/2019 I mailed Medicredit Inc in regards to account number XXXX. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws of the debt they claim I owe of {$1600.00}. I has been almost two months now and they have not responded to my letter that was sent certified mail on XX/XX/2019. Not only has it been more than 30 days since they signed for my letter on XX/XX/2019, but they also have not updated my credit report to show that this account is in dispute. As a result I am requesting that they have this account removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account number XXXX balance is not right and it need to correct ... .also all payments should be showing on time not no data
Product: Mortgage

DISPUTE WITH : - Shellpoint Mortgage Services - NewRez LLC BACKGROUND : My house was purchased at a sale price of {$550000.00}. I put a 10 % down payment ( {$55000.00} ) ; due to the down payment amount being below 20 % I was required to pay for Private Mortgage Insurance ( PMI ). This was in XX/XX/XXXX and I have paid my mortgage on time every month and my account is in good standing. The mortgage was with originally through " XXXX XXXX '' and the collection was handled by " XXXX ''. XXXX filed for bankruptcy and my loan is now being serviced by " Shellpoint Mortgage Servicing ''. The transfer took place mid to late XXXX. 

ISSUE : In XX/XX/XXXX while going through various mortgage documents I found a letter sent to me by XXXX which indicated that my mortgage was eligible to cancel PMI with the reasoning being that the original Loan-to-Value ( LTV ) amount was below 80 %. The letter was sent on XX/XX/XXXX. I did not respond at the time since the " Homeowners Protection Act '' states that the lender is required to automatically drop the PMI at the point which the original LTV has reached 78 %. The cancellation amount ( 78 % of {$550000.00} ) is {$420000.00} and was reached on XX/XX/XXXX where the principal amount was {$420000.00}. 

The LTV of my loan in XX/XX/XXXX was already around 75 % but I am still charged PMI every month. Confused as to why, I started looking into what I could do to push that along. The original letter I received from XXXX in XX/XX/XXXX said that I have to send a message to start the process. Shellpoint 's website also indicates that for PMI cancellation to take place would also require that I send a message. 

The mortgage company owned by Shellpoint that I interface with directly is called NewRez. Using the messaging form on their website on XX/XX/XXXX I sent a message that I wanted the PMI cancelled. Shortly after I received a letter in the mail stating that I have to pay for an appraisal to remove the PMI. I immediately called them and told them that I would not get my house reappraised and that the PMI should have been rermoved automatically ; every customer representative confirmed that the automatic cancellation should have happened last year. They told my that they would investigate the issue and within a 45 day window would give me an answer. It has gone past their self imposed window and they still say that the issue is " pending '' without offering any additional information. 

I was told that since I send a message to cancel the PMI that I have to now get an appraisal implying that letting it cancel automatically would have avoided this. The problem is that its almost a year past the point when the PMI should have been automatically cancelled. If I did not message the company then presumably I would be paying PMI indefinitely. I believe Shellpoint Mortgage Servicing to be in violation of the Homeowners Protection Act by refusing to drop the PMI.
Product: Credit card

I recently filed my XXXX taxes and ran my annual credit report where I was made aware that I have been a victim of Identify theft and Credit Card fraud. While analyzing my report I saw that there were 21 soft credit inquires that I did not authorize nor was I aware of. I have been a resident of California for XXXX XXXX and noticed that all 21 credit inquires were ran in different states : American Express ( CA ) XX/XX/XXXX, XXXX  XXXX XXXX ( DE ) XX/XX/XXXX, XXXX XXXX XXXX ( VA ) XX/XX/XXXX, XXXX XXXX XXXX  ( OH ) XX/XX/XXXX, XXXX XXXX ( CA ) XX/XX/XXXX, XXXX XXXX ( CA ) XX/XX/XXXX, XXXX XXXX XXXX ( CA ) XX/XX/XXXX, XXXX XXXX XXXX ( IL ) XX/XX/XXXX, XXXX XXXX XXXX ( DE ) XX/XX/XXXX, XXXX ( CA ) XX/XX/XXXX, XXXX ( CA ) XX/XX/XXXX, XXXX ( XXXX, TN ) on behalf of XXXX  XXXX XXXX XX/XX/XXXX, XXXX ( DE ) XX/XX/XXXX, XXXX XXXX ( DE ) XX/XX/XXXX, XXXX XXXX  ( DE ) XX/XX/XXXX, XXXX XXXX  ( DE ) XX/XX/XXXX, XXXX XXXX ( DE ) XX/XX/XXXX, XXXX XXXX ( OH ) XX/XX/XXXX, XXXX XXXX  XXXX XXXX ( CA ) XX/XX/XXXX, XXXX XXXX  XXXX XXXX ( CA ) XX/XX/XXXX, XXXX  XXXX XXXX XXXX ( CA ) XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX ( UT ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ( IA ) XX/XX/XXXX. 

I am concerned that my identity has been stolen and my personal information has been confiscated and has or is currently. being used for illegal activities ( gambling, human trafficking, money laundering ) on the dark web.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$680.00} XXXX XXXXXXXX Balance {$390.00} XXXX XXXX XXXX Balance {$170.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$9700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$120.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX FIN ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX DUES ) XXXX Balance {$260.00}
Product: Credit card or prepaid card

Received unsolicited credit card in late XXXX. Called immediately to let company know and asked to have the card cancelled. Did not activate the card. XX/XX/XXXX, received bill for annual fee and credit protection fees totaling {$76.00}. Called the card company again. They said they couldn't cancel the card unless we gave personal info that we did not want to give them. 

Milestone MasterCard Genesis FS Card Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

mortgage was last made a payment in XX/XX/XXXX to XXXX. Apparently, XXXX submitted a satisfactory paper work while we were settling the account in XX/XX/XXXX. Greentree aka ditech bought the account in XX/XX/XXXX. The company states that we have not paid the amount and that it was in XX/XX/XXXX that we last paid. Incorrect. the payment that they say they have received was actually when XXXX was in a class action law suit to return unfair fees to consumers ( this is what i 'm thinking it was, regardless, I never made a payment, I never asked to be part of a lawsuit, nothing. ) We 've disputed it multiple times as well as sent in the proof to credit agencies that we have satisfied this mortgage, but yet greentree aka ditech is harassing us. They call at least 20-50 times a day, they 've destroyed my credit, and have came to our home to harass us. They call our home and curse at us, even contacting us after we had representation from an attorney. Our attorney states that we do not owe them anything and that they ca n't pursue us legally. It even states on the XXXX letters they mail us that they ca n't legally pursue this matter. I need them removed from my credit. I need them to stop harassing me. They have altered the dates on my credit file to make it appear that I have defaulted payments which has not been the case. The last dispute these people lowered the amount by XXXX and they were allowed to stay on my credit. I feel unsafe and uneasy to leave my family due to the harassment via phone ( violent, nasty verbal threats ) and in person communication ( showing up at my home unannounced in a home ). I have attempted to be civil and work with the company. I have mailed them all the documentation. My attorney mailed them documentation, they refused to comply and refused to negotiate or listen. Unfortunately, they are fraudulently reporting and committing an illegal act with their actions. I insist that this be removed from all three of my credit scores. They went over 3 years without reporting on the report and suddenly showed up in XX/XX/XXXX. This is unfair and not legal. Please help me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number isn't showing up on my credit report. Mine ends in XXXX. 
One that ends in XXXX shows up. 
Bank loans, auto loans, mortgage loan, property in XXXX XXXX CA, a name XXXX XXXX, my ex Sister in law, a XXXX  XXXX I can't even access it because I can't answer the questions
Product: Debt collection

They will not stop calling even though I have asked for written consent that they can have my account. They said we are able to have whatever they want on my credit report. I asked them to send everything on my reports and I verified my address. They wanted me to verify my SSN and more saying they cant just send things if I dont verify who I am. I verified everything for them but I refused my SSN. They said we will keep calling tell you tell us everything. I told them I guess I will not be paying my stuff cause I dont even think you have the right to have it as you are not the same company I had the contact with. They said you will pay no matter what. I asked them to stop calling me until they send me something in the mail. They keep calling from XXXX or XXXX I will block them but they just find another number to call from. Said they are from midland something and the other XXXX I think.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I deposited a hand written check from my business partner to my business account. For whatever reason, the check was denied, so the teller at the bank told me to go get a new check and to re-deposit it. 

So I did. I re-deposited the check on XX/XX/XXXX, it cleared, and I moved the money into the my personal account that same day and used some of the money for bills. It was around {$1200.00} worth of bills I paid. 

The next day on XX/XX/XXXX, my business and personal account was drained to XXXX. The issuing bank showed me and my business partner that the funds WERE removed from the issuing account by PNC. 

PNC then told me the business account was marked fraudulent, they wouldn't give me details as to why, and said they were closing my account. 

Now there is {$6000.00} of my money in limbo somewhere, I'm assuming they are holding it, and it has until XX/XX/XXXX to be resolved. I have received no updates and no helpful information from PNC Bank. 

I also cant deposit funds into my personal account now. I had a friend send me {$190.00}, both from XXXX, in which one I tried to transfer with an instant transfer to get my account back above {$0.00}, and it is still pending from days ago. This was on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed complaint XXXX. XXXX still has not provided the documents requested in this complaint. The company has yet to prove a balance is owed. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana. Billing statements and or a contract are not enough to prove a balance is owed. Accounting records are needed to prove a balance owed. XXXX cant provide that information. XXXX has sent out correspondence trying to extort me for an extension of credit that the company can not prove is owed. Thats a violation of 18usc 894. There are heavy penalties for this crime. In addition XXXX is reporting this derogatory account to my credit report through XXXX, Transunion, and XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information every condition must be met to report my non public personal information to non affiliated third parties ( XXXX, Transunion, XXXX. ) I never received any disclosures from XXXX. The FTC states without proper consent it is identify theft. A violation of 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. The information that is being reported to my credit report from this account is false and inaccurate. Its a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. If the company refuses to delete the account then Ill proceed forward with litigation. Ill pursue civil action for a failed requirement under the Fair Credit Reporting Act 15 U.S.C. 1681 s-2 ( b ), pleading for damages, caused by the XXXX, for false and negative reporting. I do want to bring up again the master purchase agreement as if this does get tied up in litigation itll be a key piece of evidence used. Companies that sell debt state in these agreements that they do not guarantee the information to be 100 % accurate. You can try using a Bill of Sale but theres this thing called the Rule of Completeness. I can request all relevant parts to a writing or a recorded statement. This ensures there are no misleading version of events. 
Ill be sending a copy of this compliant to the State Attorney General and the FTC as there elements of extortion and fraud along with FCRA violations.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my XXXX WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I XXXX be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance. 

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your Willful disregard of XXXX XXXX. 

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and XXXX will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of XXXX { a } { XXXX }. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of XXXX XXXX and evidence of your willful disregard of the law. 

Please be advised that under Section XXXX { XXXX } { A } of the XXXX are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section XXXX & XXXX } if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 
Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX  Date XXXX Account XXXX Reason for dispute_XXXX XXXX  Account XXXX Account NameXXXX XXXX______ Date XXXX Account XXXX Reason for dispute__XXXX XXXXXXXX Account Amount__________ Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute_XXXX XXXX Account Amount_ XXXX
Product: Debt collection

This is not my debt, debt company has not provided proof of this debt
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, OppLoans charged off my account and sold the debt to a third-party collector. Despite this, they have continued to inaccurately report the account as having ongoing late payments each month, in violation of the Fair Credit Reporting Act ( FCRA ). This practice has persisted for over two years, causing significant harm to both my credit score and credit history. 

In addition to the inaccurate reporting, OppLoans sent inconsistent and misleading communications about the charge-off process, causing unnecessary confusion and stress. Starting on XX/XX/XXXX, they sent an email titled Dont risk your account ending up in write-off, followed by a message on XX/XX/XXXX, with the subject Avoid a charge-off. Another email on XX/XX/XXXX, stated the account was at risk of charge-off. Yet, just days later, on XX/XX/XXXX, I received an email stating I had three days left to prevent the charge-off, only to be followed by another on XX/XX/XXXX, claiming I had only one day left. These conflicting timelines and messages made it difficult to fully understand my options and caused unnecessary stress. 

Following the charge-off, the debt was sold to XXXX in XX/XX/XXXX and later to XXXX XXXX in XX/XX/XXXX, as confirmed by communications from both collectors. Despite transferring the debt, OppLoans has continued to report the account monthly as late, knowingly misrepresenting its true status and perpetuating harm to my credit score and history. These actions have led to a significant suppression of my credit score, likely by over 100-200 points, and negatively affected my ability to secure fair financial opportunities, loans, and housing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX called me, not on a number listed on my card or the website, to let me know that my account was past due. I hadn't received any letters regarding this and let the representative who called me know that I was going to be making a payment on a specific date. When I went to make the payment, a few days later my credit report was updated with a late payment notification.This all occurred in XXXX and XXXX. 


I also asked for a late payment of discovery card to be removed as the same incident happened with them, again with noprevious history. They referred me to the credit card company who then referred me back to the credit reporting agency. It was just running in circles endlessly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit report pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I received my report I was caught by surprise with a couple of items on my report I have never heard of in my life. The things listed on my application do not belong to me. Please remove the items from my report. 

XXXX XXXX XXXX  I XXXX {$790.00} XXXX XXXX XXXX {$22000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX is lying when they say that the account is released to Ally Auto. As of today, XX/XX/year>, I still can not obtain my lien release from Ally Auto.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account XXXX Account Name : XXXX, Account XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 XXXX 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.