23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2019 I requested the cancellation of PMI on my mortgage with my lender LoanCare LLC., a sub-servicer of XXXX XXXX XXXX XXXX XXXX This request for PMI cancellation was due to two factors : 1 ) local market appreciation in Colorado 2 ) substantive and/or structural improvements made to the property. As part of this request, LoanCare had me pay-in-advance for a Broker 's Private Opinion ( BPO ) to assess the new value of the ( subject ) property. 

XX/XX/2019 XXXX XXXX of XXXX XXXX XXXX XXXX conducted the BPO. 

XX/XX/2019 I received a copy of the BPO that was used by LoanCare to determine whether the value of the property warranted PMI cancellation ( loan to value ratio of 80 % or less ). -See attached Document # 2- In the document, XXXX XXXX singled out two comparable properties ( comps ) that were most similar to my ( subject ) property and adjusted the value of my property based upon these market numbers. With the adjustments made using these comps ( CS1 and LC3 ) the averaged value of my property was {$510000.00}. With adjustments made with reference to all six of the comps, including those XXXX XXXX deemed less similar, the averaged value of my property was {$500000.00}. At the time that the BPO was conducted, an LTV of 80 % or less would have equaled a current property value of {$490000.00}. Despite his own adjusted values for current market comps equaling a minimum of $ XXXX and more accurately a value of $ XXXX for my property, XXXX XXXX listed an " Opinion of Price '' as {$480000.00}. A number that seemed arbitrary and exactly {$10000.00} less than that needed to achieve an LTV of 80 %. This notwithstanding the value of improvements to my property post-closing that XXXX XXXX estimated to be valued at {$22000.00}. 

XX/XX/2019 I received LoanCare 's letter rejecting the request to cancel the PMI on my mortgage. In the letter, LoanCare neither referenced any data such as my current property value or LTV ratio to justify this decision nor did they discuss how this decision was reached. They only offered that I may, at my expense and at a cost of {$910.00}, hire an appraisal of the property. -See attached Document # 1- At this point, given the capricious and fortuitous ( for LoanCare ) value arrived at by the BPO which contradicted local market comp data, I'm skeptical of the independence of the " third-party '' contractors that LoanCare hires to do their BPOs and appraisals.
Product: Student loan

Hello, I have been trying to get {$20000.00} refunded to my account from Aidvantage since XX/XX/XXXX in the morning. I have stated that I wanted to have all my covid payments refunded to me that I made after XX/XX/XXXX. The representative that picked up put a refund request in and stated that it would take 6-8 weeks. 
After a month of not seeing any movement in my account or got no updates regarding the process, I called back on XX/XX/XXXX. The representative looked into my refund process and noticed that they have not done anything with it since the representative did not add the amount for the refund. This means the refund request was not being processed for a whole month and left unfinished. So the representative added in the request with the amount I requested which was {$20000.00} dollars. The representative told me to check up by calling periodically to track my request. 
After this call, I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I got the same types of answers with no one knowing the XXXX and telling me XXXX weeks compared to the first time they mentioned XXXX weeks. There was no transparency about the process and I was left hoping that everything will be done correctly. 
Now on XX/XX/XXXX, I finally noticed that my balance on my loan changed and I saw that {$10000.00} on my account. This was only half of what I asked for. I was missing {$9900.00} on my account. Also I was charged {$170.00} dollars on this day by advantage and it was taken out of my XXXX XXXX 
I called back after the holidays on XX/XX/XXXX after I received the direct deposit of {$10000.00}. They did not pick up and dropped my call several times. It seems they only refunded me what was the easiest to calculate and I still have a lot of payments which are not refunded made after XX/XX/XXXX ( Account history attached to this compliant ).
Product: Checking or savings account

USAA Federal Savings Bank repeatedly credits debits first on the date that a direct deposit arrives. The bank credits the larger debits first, draining available funds, returns other debits causing fees, then credits the direct deposit to collect their fees. 

USAA has done this several times. I have contacted them, and I was told there was nothing that could be done. This is an unfair practice done simply to squeeze fees out of the consumer. There was a pending direct deposit the same day for more than enough to cover any debit, so there was no reason to return any debit, let alone stack up fees. 

USAA has done this most recently to me on XX/XX/XXXX and XX/XX/XXXX. It has also happened to my spouse. While we have set up overdraft protection and in some cases the debits were covered and not returned, USAA returned a debit for {$1.00} on XX/XX/XXXX, when a transfer of {$30.00} was made that same day. I know other veterans that use USAA have had this issue as well. Please investigate this unfair practice.
Product: Debt collection

Thank you for fielding my previous complaint against XXXX, XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX. The bank, in addition to the attached and incorporated response to your office, sent the change in address to XXXX XXXX XXXX address in New Jersey, and to the attention of the special unit, as addressed on the copy I have provided, also attached and incorporated as my proposed updated complaint. In the alternative, please consider this correspondence as a new complaint against the parties contained in the correspondence, additionally attached and incorporated. I had not heard from the bank or their attorneys after receiving their responses from your office. In XX/XX/XXXX, I received the attached and incorporated post card notice, under envelope return addressed at XXXX XXXX XXXX XXXX XXXX address. Then in XXXX I received the attached Validation Notice from XXXX XXXX XXXX Attorney XXXX XXXX, XXXX, on behalf of NATIONSTAR MORTGAGE and post marked XX/XX/XXXX. I responded to the letter by sending a written request for substantiation/qualified written request on XX/XX/XXXX. The Notice of Auction letter was sentXX/XX/XXXX and I responded with the Notice of Grievance and Error, all attached and incorporated by reference. It is my position that the documentation mentioned above is evidence of knowing and egregious violations of Federal and New York State Debt Collection Procedure, RESPA and TILA, and contains false and misleading statements, simulations of legal or judicial process and sanctionable ethical and professional misconduct. I hope that your office can assist or mediate in interrupting their wrongful actions.
Product: Student loan

Upon review of the payment transaction history with FedLoan Servicing, XXXX XXXX, and XXXX XXXX XXXX, the required number of qualifying payments under the Public Service Loan Forgiveness ( PSLF ) Program will have been made as of  XX/XX/XXXX, after the final qualifying payment scheduled for XX/XX/XXXX. 

Please note that all Subsidized and Unsubsidized student loans were consolidated on XX/XX/XXXX and the loan servicer at that time was XXXX XXXX XXXX ( XXXX ). Attempts to contact XXXX XXXX XXXX were unsuccessful, as www.StudentAid.gov was not able to provide contact information for the company. XXXX XXXX XXXX was closed in XXXX and the loans were transferred to XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX provided a payment history of all payments made while designated as the loan servicer from XXXX, XXXX through XXXX, XXXX. Bank statements were requested from XXXX XXXX  XXXX for the time period of XXXX, XXXX through XXXX, XXXX. Although I was informed that XXXX   XXXX XXXX does not keep records past the seven year retention period, and was unable to obtain the requested statements showing proof of payment. 

After several hours of research online, I found an email address for XXXX   XXXX XXXX ( XXXX XXXX ) from a XXXX post. This post, made by a person in a similar situation to mine, stated that if you contact the following email address ( XXXX ), XXXX would be able to pull payment records during the time period that is was known as XXXX XXXX XXXX. I received the below response from XXXX  after contacting the above listed email address : The XXXX XXXX XXXX business line was separate from XXXX XXXX XXXX ( XXXX  ). XXXX did not service this type of loan and we have never had access to any of those records. XXXX XXXX XXXX servicing closed in XXXX and all active loans were transferred to a new servicer. It is our understanding that when XXXX XXXX XXXX discontinued servicing, the loan data was sent on to the subsequent servicer. If your XXXX is unable to provide assistance, we suggest contacting the Department of Educations Office of the Ombudsman at XXXX. 

Attached is a signed Employment Certification Letter verifying my employment with the State of XXXX from XX/XX/XXXX through still employed. During this time period I was also employed by XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Both of these places of employment qualify under the XXXX XXXX XXXX XXXX XXXX. 

In closing, I am requesting that you recalculate the number of qualifying payments that have been made to my account, as XXXX XXXX has inaccurately calculated my loan forgiveness date as XX/XX/XXXX instead of XX/XX/XXXX. There were 15 qualifying payments made to XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), 76 qualifying payments made to XXXX XXXX ( XXXX XXXX ), and 28 qualifying payments made with XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently discovered that a fraudulent credit account was opened in my name without my authorization. The account is listed as XXXX, with a report date of XX/XX/year>. I have never applied for or opened an account with this company, and this was done without my knowledge or consent. 

This fraudulent account has been used extensively, leading to a high credit utilization rate, which has significantly impacted my credit score. High credit utilization is known to negatively affect credit scores, as it indicates a higher risk to lenders. 
EXPERIAN.COM Upon discovering this fraudulent account, I took the following actions : I filed disputes with the credit bureaus ( XXXX XXXX, Experian Information Solutions XXXX Inc., and XXXX XXXX ) to have this account removed from my report. 
I contacted XXXX to request details on how and why this account was opened.

This fraudulent account and its high utilization have negatively impacted my credit score and financial standing, and I should not be held responsible for it.
Product: Debt collection

XX/XX/29. XXXX XXXX confirmed hes been calling from an automatic dialer and they have called me multiple times per week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian has accounts on my credit report that they refuse to remove or delete. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 and 6 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I have had a lengthy history of being violated and filing disputes with EQUIFAX. In many cases EQUIFAX sends responses stating the information is valid and verified, but never sends proper verification of those findings according to the law. I have recently mailed in another dispute dated XX/XX/2023 opting out of reporting in accordance to 15 USC 1681 section 604 sub section 2, states subject to subsection c, any consumer agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates. { XXXX, XXXX XXXX  and XXXX XXXX ) the financial institutions and the Consumer Credit Reporting agency EQUIFAX does not have my consent to furnish this information and EQUIFAX surely does not have my written consent. Any and all consent to EQUIFAX and the above listed financial institutions whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 
15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. { XXXX, XXXX XXXX  or XXXX XXXX ) never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. The accounts listed in this dispute are accounts they are reporting, again, without my permission or written consent which is against the law. 15 USC 1681s2 ( A ) ( 1 ) A, states 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. 15 USC 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. EQUIFAX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of EQUIFAX reporting services related to the specific accounts listed on this dispute as of XX/XX/2023. If EQUIFAX can not provide a written consent form signed with my wet ink signature from the financial institutions listed in this dispute and a consent between myself and EQUIFAX the accounts MUST be permanently deleted. EQUIFAX is in violation of these laws and I am requesting to be compensated for the problems the unauthorized negative reporting has caused me in my financial journey.
Product: Mortgage

On XX/XX/XXXX, I executed a promissory note in the original principal amount of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX dollars ( {$180000.00} ) to purchase my homestead. The current holder of the said promissory note is OCWEN Loan Servicing, LLC to whom I am making monthly payments. I applied for Loan Modification as pursuant of the Government Home Affordable Program and eventually OCWEN Loan Servicing called on XX/XX/XXXX, that my monthly payments went higher than when was originated. I, along with my husband, who is now XXXX, have been attempted to modify our loan through OCWEN Loan Servicing and I will attach soon communication evidences in between us and OCWEN Loan Servicing. On XX/XX/XXXX, OCWEN Loan Servicing sent Opportunity for Appeal and I responded on XX/XX/XXXX as the Opportunity for Appeal for Loan Modification. On XX/XX/XXXX, OCWEN Loan Servicing responded that application is currently COMPLETE, as of XX/XX/XXXX, they were not requiring any additional documents from us. While OCWEN seemingly trying to modify my loan, at the same time, OCWEN Loan Servicing are trying to foreclose on my property. I wish to return to my home but OCWEN Loan Servicing were continuously threatened us to foreclose my home and my family left for fear with OCWEN Loan Servicing 's Agents were trespassing into my house by intimidation, while simultaneously working with my mortgage modification ( called " dual tracking '' ) to allow myself to avail the Federal Affordable Loan Modification, but OCWEN Loan Servicing continuously sending notice to foreclose us. We were terrified and worried as they forced us to leave. It is my assertion that OCWEN Loan Servicing have not dealt with us ; as borrowers in good faith.
Product: Checking or savings account

I did not buy anything from XXXX I was charged XXXX on XX/XX/2021 XXXX told me the person who used my card had it sent to XXXX but they can't help me until my bank despite it with them I do not live in XXXX and I do not know anyone in XXXX XXXX keep telling me they will call me back but they never do and my bank says XXXX never responded to them and XXXX says my bank never dispute the charges?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that this DEPT OF ED/NELNET Late payment XX/XX/XXXX 30 days late will be removed. 

DEPT OF ED/NELNET XXXX XXXX : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX XXXX : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX  XXXX. Upon their review they acknowledged receiving about {$11000.00} in payment from XXXX. However, they continue to show this account as open charge off. This account was an accepted payment due to the vehicle being worth only {$12000.00} at the time it was totaled. The company continue to report incorrect information. If an account was paid off over 90,  should it not reflect this amount based on the Fair credit reporting act?
Product: Credit reporting or other personal consumer reports

i contacted the company equifax stated to them i notice some inquiries on my report i did not authorize. They came back in less than 24 hours and stated >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE SER Page XXXX of XXXX XXXX ( XXXX On Next Page ) XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 ND MR EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE XXXX XXXXXXXX XXXX XXXX  if i am telling them I did not give these companies permission to check my report for the purposes stated then who gave them access to my report without my knowledge? How are the factual data and will remain if they are on my report without permission? These credit reporting agencies are getting out of hand with them continuing to allow things knowingly and will not delete them. They have laws to abide by and they refused on countless occasion in my cases do this to often. The USC codes are there to protect the consumer ( me ) from unauthorized accounts, inquiries etc. and once disputed the credit reporting agency is supposed to investigate the claims not use a auto response system to reply, nothing can be investigated following the laws and properly in less than 24 hours. Stop giving these reporting agencies the right to disregard the laws they are upheld to uphold and start making them actually do what they are supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau ( s ) is advising they received information from a 3rd party source regarding a bankruptcy attached with my social security number and name. Credit bureau did not provide any documentation but advise we verified ... Ive asked for an investigation not to verify information. I also, have proof that I am not in any such database and my information ( social security, name, address ) has been blocked and not shared with any 3rd parties.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this documentation because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

Record Type Chapter XXXX bankruptcy petition Date Filed XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, ONE MAIN FINANCIAL used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. ONE MAIN FINANCIAL reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Money transfer, virtual currency, or money service

I have an XXXX account which is a multi-currency exchange/wallet.  I attempted to connect my PNC checking account to fund mu XXXX   account and I receive a message stating that my bank made changes preventing this action. I did not authorize this change nor do I want it preventing me from spend or send my funds as I choose to