23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have made numerous contacts, ( copies will be attached., ) with Ditech , ( my mortgage servicer ), requesting to initiate procedures to eliminate my PMI charge of $ XXXX per month. They have taken more than four months to schedule an apprasil which as yet is not scheduled. It took XXXX XXXX XXXX to XXXX XXXX XXXX, 72 days and XXXX phone calls to be told that I have to authoize an apprasil in writing. I sent this auuthoriztion by email on XXXX XXXX with a copy by XXXX mail. I was told by email from Ditech on XXXX XXXX that an apprasial had been ordered. On XXXX XXXX, they told me by phone they could not tell me who the apprasier was that they only had an ID number and I should be contated by the apprasier within a week. I was contacted on XXXX XXXX by a person to schedule an appointment. During that appointment I learned the this person was not an appraiser and she had received an ordfer three days eariler to provide Ditech with a Professional price opinion. Obviously, rather than send an appraiser on XXXX XXXX, as promised, they sent a person to do a " professional price opinion '' which they have and will not furnish to me. I requested the opinion the same day it was availabel to them. 
I am fully aware of the procedure for eliminating PMI and do no believe their Procrastinating techniques in order to collect more PMI premiums ar within the law and obviously costing me money unecessarilyCan you help!!!.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report and I noticed inquires that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> After reaching out to the creditors, I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and removed as they do not have the ability to do so. After contacting the CRA I was met with push back even though I expressed the inquiries in question did not belong to me and the creditors agreed are not attached to any file or application they have with my accurate personal information. Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting or other personal consumer reports

The account that is in serious consideration is XXXX XXXX XXXX that was Last reported on XX/XX/year>, as closed. The account age of this account is 15 years and 6 months before it was closed. I am XXXX years old. How on earth, can I open a rental agreement with XXXX XXXX XXXX and then close the account in XXXX of 2023? This means I must have opened the account when I was XXXX years old. This is not my account, and I did not know this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 
Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$3200.00}.
Product: Credit reporting or other personal consumer reports

I noticed a hard inquiry that was place on my trans Union from XXXX  XXXX XXXX from Texas. Someone stole my IDENTITY to use my name to open an account to this bank. I file a complaint to FTC about this madness they had give me a referral number. It is attached to this complaint as well.
Product: Mortgage

On XX/XX/2021 I awoke to multiple e-mails from XXXX XXXX stating that my checking account had been over drafted by {$15000.00}. The account had a balance of {$410.00}. Upon inspecting my online account I recognized the seven unapproved charges as my mortgage lender, Mr. Cooper. I immediately went to my local XXXX XXXX branch where XXXX XXXX assisted me by calling the XXXX disputes line. After an hour of waiting - I was able to speak with a member of the XXXX disputes team who communicated that this was a chronic issue with XXXX and Mr. Cooper and that many clients had been impacted the mix-up .... if one can even call it that! XXXX communicated at that time - it was a Mr. Cooper issue and there was nothing they could do at this time. 

After visiting the branch I proceeded to call XXXX XXXX to file a complaint and dispute the charges. Again after waiting 40 mins I was finally able to speak with a member of their team who again communicated the multiple withdrawals were an issue on Mr. Cooper 's end but XXXX would dispute the charges. I am concerned as to where the consumer is protected here. Moreso why did XXXX not place a hold or block these transactions before I was charged seven times for {$2200.00}. I have been a client for XXXX XXXX for numerous years and now feel I was not protected properly due to the fact that it is evident these funds did not exist in the account. 

Further I have phone, messaged and filed a ticket with Mr. Cooper multiple times and have not had response on contact with anyone from the company. This all began around XXXX XXXX on XX/XX/2021 and Mr. Coopers on response has been a XXXX message on the same day at XXXX eastern time. They are unreachable. No one will answer a phone. No one will respond to help tickets. No one will respond to XXXX messages. 

I do not have automatic payments set up for Mr. Cooper for this very reason. I pay my account on time and monthly and have never been past due. Based on social media it seems many other people were impacted by this mistake. Most likely thousands if not millions of dollars was withdrawn from accounts without consumer consent. This should not be allowed. The public should be protected by big bank and lender errors or miscommunication. We should be not held responsible for this! 

Further, {$1000.00} is a lot of money for me let alone {$15000.00}. The shock of awaking to a loss of {$15000.00} which I did not even have and withdrawn without my consent is discomforting, unsettling, and stress inducing at any time, but especially in the midst of a global pandemic. 

I would like to lodge a formal complaint against Mr. Cooper for the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and XXXX  giving my credit report to companies without my consent. 
companies accessing my report without my consent These companies illegally pulled my credit unnecessary and with out my approval XXXX XXXX XXXX XXXX XXXX XXXX, on transunion XX/XX/XXXX XXXX XXXX, on transunion XX/XX/XXXX XXXX XXXX, on transunion XX/XX/XXXX XXXX XXXX, on transunion XX/XX/XXXX on
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several items that are reporting inaccurately on my consumer report and Experian failed to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX  Inquired on XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$490.00}
Product: Bank account or service

I opened an account with Bank of America on XXXX 2015. On XXXX I deposited a check from my XXXX account and they had the money within any problem. On XXXX XXXX I deposit a check for XXXX from XXXX too because my employer deposits my salary direct on XXXX. Well, XXXX paid the check to Bank of America on XXXX XXXX but now Bank of America is holding my money up to XXXX. I ca n't understand why they are holding my money if the check was paid to them. That 's unfair because I had to wait XXXX days in order to get paid from my company, it 's an abuse that they make me to wait XXXX more days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Checking or savings account

In XXXX of XXXX I received a notice from XXXX XXXX XXXX XXXX that I had missed a XX/XX/XXXX XXXX payment. I knew I had not. I went through my statements online and saw that I had paid the XX/XX/XXXX fee in XXXX of XXXX and that the other 11 payments were made in XXXX. They disagreed. I called Huntington " corporate '' in XXXX or XXXX of XXXX and asked for all of my statements from XX/XX/XXXX through the present to be printed out and sent to me and paid the {$5.00} to have that done. Weeks later I received only two years of printouts. I called again and they said they would send the rest. I received one more year of statements. In the meantime, XXXX XXXX XXXX XXXX said they needed the electronic check numbers that Huntington sent them in order to verify their postings. I went into the XXXX branch in XXXX (? ) and XXXX, the contact I have there, printed out the checks from XXXX. It still did not prove my case to the XXXX XXXX to their satisfaction. I realized I would need the numbers/copies of all of the electronic checks sent to them by Huntington. I went into the XXXX in XXXX and requested those checks. XXXX said he ordered them, but it might take " corporate '' weeks to get them to me. I called " corporate '' a couple of times. At one time the agent said the statements were " in the mail. '' I went back to XXXX and XXXX said he would " light a fire '' in order to get this situation resolved. I found a Huntington " customer service '' email and emailed them on XX/XX/XXXX. I haven't received a response. I finally sent the alleged missed payment to the XXXX XXXX, and asked them to forgive the late fees, but still wanted to prove that I had paid everything. I found a way to contact Huntington " customer service '' on XXXX, and we went back and forth a few times asking for copies of all of the electronic checks sent to XXXX XXXX XXXX XXXX, but it was as though no one was reading the request and they just kept asking me over and over for my name, and how they could help. Finally I messaged that I didn't think I'd be getting help from them - they did not respond. 

I have dates and times I messaged, emailed, and called the various parties involved. I can pull them together upon request, although I am asking for such a simple solution that I should not be asked to bear the burden of gathering all of that information. 

BACK IN THE DAY I could gather cancelled checks that I filed. In the age of electronic checks I depend upon my bank to provide them. Huntington let me down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope you are having an excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me. But alas, they have not reached back out to me. I also filed a XXXX day demand letter in order for them to update me on the investigation, but also I have not heard from them. This is very important for me because as stated earlier, I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

Initial Dispute XX/XX/2021 XXXX  Day Demand XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX U.S Dept of Ed/XXXX Account # XXXX AND ACCOUNT # 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 Depted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off please let me re-complain about this corrupt and highly unregulated scam company. As stated before I disputed a fraudulent collection on my account for XXXX  that is not mine. TransUnion and XXXX never sent me anything validating this is my account or that they even did an investigation. Which is a huge violation of my FCRA rights. This collection is the only one on my credit report with TransUnion because XXXX and XXXX actually did a proper investigation and took the collection off. 

Another thing I need to complain about is the fact that Transunion was just in trouble recently for the same thing they are doing to consumers again in regard to intentionally miss leading consumers when they sign up again and not directly telling them they will be charged. If you dont believe me check out all the complaints : XXXX XXXX XXXX This is not right and my husband works for the XXXX as an XXXX XXXX XXXX. I would like this properly taken care of. My next step will be to contact DC representatives.
Product: Debt collection

I dislike it! I've spent many months sending disputes and writing complaints, but I'm still not seeing any outcomes from my disputes. This is causing me extreme discomfort and stress.
Product: Credit reporting

Equifax is not responding to my requests to investigate and remove XXXX account from my credit file that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX Balance : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My application at numerous financial institutions to open a checking account has been denied because Early Warning Services furnishes an inaccurate report replete with outdated and incorrect information, to the respective financial institution at which Im applying. The financial institution then denies me the opportunity to enroll in a checking out due to negative information furnished by Early Warning Services. My outreach attempts and attempts to resolve this issue with Early Warning Services have all been entirely unsuccessful and my entire financial stability is put at risk due to Early Warning Systems negligent information and reporting procedures.
Product: Debt collection

The collection department contacted third party and disclosed personal financial matters, I have saved the text where the third party informed me about it, I called Citizen and asked to stop but hey said no until deb is collected, this is the number at Citizen : XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I can't go far back but i just had a recent one for XXXX and one for XXXX and they never refunded the money to my balance.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXXXXXX VANCE & HUFFMAN LLC  XXXX XXXX XXXX # XXXX XXXX, VA XXXX RE : Debt Validation Request ACCT # XXXX Dear VANCE & HUFFMAN LLC, This letter is sent in response to the alleged debt referenced as Account Number XXXX. I am disputing this debt in its entirety and request validation under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Under federal law, you are required to provide verification of this debt. The courts have upheld a debtor 's right to this validation ( see Spears v. Brennan, 745 N.E.2d 862 ( Ind. App. 2001 ), which states that a debt collector must provide sufficient documentation to substantiate the alleged debt ). 


To ensure compliance, please provide the following : 1. Documentation verifying that I am indeed the party legally responsible for the alleged debt.

2. The name and address of the original creditor.

3. A complete payment history, including the date the alleged debt was incurred.

4. Proof that your agency is authorized to collect this debt, including a copy of your license to operate in my state.

5. A detailed explanation of how the amount claimed was calculated, including fees, interest, or charges.

6. VERIFY THE DEBT by exhibiting Schedules RC - Balance Sheet, RC - E - Deposit Liabilities, RC - C - Loans & Leases, RC - L - Derivatives and off balance sheet items, RC - S - Servicing, Securitization and asset sale activities.

7. Present an unaltered copy of the original security.

Please note that failure to provide adequate validation is a violation of the FDCPA, as demonstrated in Chauncey v. JDR Recovery Corp., 118 F.3d 516 ( 7th Cir. 1997 ). Additionally, until this debt is validated, you are prohibited from engaging in further collection activity pursuant to 1692g ( b ).

If you are unable to substantiate the validity of this debt, I request that you cease collection efforts immediately and update all credit bureaus to which you have reported this information to reflect that the debt is disputed, inaccurate and unverified.

Please direct all correspondence regarding this matter to the address above. I look forward to your timely response within 30 days of receipt of this letter, as required by law. 


Sincerely, XXXX XXXX
Product: Debt collection

A.R.M. Solutions ( California License No. : XXXX began robo texting me XX/XX/2023 at XXXXXXXX XXXX regarding a debt owned to them by a company named XXXX. I am not XXXX and owe this company no debt so I replied STOP to end the texts. I then began receiving calls from A.R.M. Solutions. They call and ask to speak to XXXX. I reply that I am a private citizen and am not XXXX nor am I responsible for XXXX 's bills. They keep telling me they will take my number off the account but the calls still come. Yesterday, XX/XX/2023 at XXXX XXXX  I was home sick and received another call from A.R.M. Solutions asking to speak to XXXX regarding a debt. I informed the person I was done with their lies to remove my number and that I was filing a harassment complaint with the FTC. 
I want these calls to stop. A.R.M. is perfectly capable of using XXXX to contact someone with XXXX in order to have this debt paid, yet they continue to call and harass me. The persons calling me have promised multiple times to stop calling me yet they continue. I would like a copy of all the records of their calling and harassing me so I can pursue legal action.
Product: Checking or savings account

When attempting to have a cashier 's check issued I was told that I didn't have the type of account required to have a check issued for free. Fee {$10.00}. Teller tells me I must hold a balance of XXXX to have the check issued for no fee. I walk away and speak with a manager who tells me I just have a balance of XXXX for the fee to be waived. I do, balance XXXX. Then he says, you don't have right type of account. You must have an account that holds a balance of XXXX ... so within one day and 2 folks I get 3 different answers. Being a loyal customer since 1991 means nothing and then you are giving me different answers for why a fee of {$10.00} is being charged for a cashier 's check. Concerning and being that I am XXXX, I have a feeling this rule was put into place while I was in the lobby.