23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/ had a XXXX XXXX XXXX XXXX. Forced to retire ( XXXX ) because of diagnosis of XXXX XXXX XXXXXXXX. I Also have XXXX XXXX XXXX XXXX XXXX but manageable for 9 years all documented. Paid XXXX XXXX XXXX XXXX XXXX asked for forbearance in XXXX XXXX XXXX XXXX XXXX XXXX  because I was not approved for XXXX XXXX  till XXXX XXXX XXXX with no back pay and had to wait till end of XXXX for first payment. All paperwork was given to New Rez shell-point mortgage, Showing dates of payment, how much, and proof of XXXX. My wife also retired on XX/XX/ from the state of Massachusetts she also was delayed till XXXX in getting retirement from state because of Covid reasons they say. This means we lived off our savings for over 5 months. In XXXX I called New Rez Shell-point and asked for another 3 months of forbearance which I was granted and assumed XXXX XXXX XXXX XXXX in XXXX  i called back New Rez Shellpoint and explained my check was not coming till end of XXXX can I have XXXX more month to get by, I was granted that month and I started paying on XXXX XXXX XXXX XXXX XXXX I worked out a payment plan for escrow in negative by increasing my mortgage payments by XXXX which was approved by them, also asked for the forbearance to be added to end of my mortgage payments and was approved. I called in XXXX to see about borrowing some equity to pay off existing bills. To my total surprise I was told I didnt pay my mortgage for 4 months XXXX XXXX XXXX and it was reported to credit bureau XXXX XXXX and I was denied any kind of loans. This has destroyed our credit and any ability to help our situation of having to retire when I was not ready. I sent letters, I was given the run around for over a month. Then was rudely handled by a manager. Why would anybody ask for Forbearance if it was still being reported and destroying your credit it doesnt make sense. I was laid off during Covid 18 months given forbearance not reported to credit bureau. Under the care credit act this situation should have not been reported to the credit bureau. I need help getting my bills paid off in case something happens to me and my wife is left alone. all it would take is some equity which is really my money anyways! L
Product: Mortgage

My lender, Rushmore Loan Management Services, would not remove my PMI despite my principal balance being less than 78 % of the original home value. I made mailed, faxed, and phone requests in XXXX to have PMI removed. First they stated I had not hit 75 % LTV which was required for loans less than 5 years old. I paid down to below 75 % of the home value over the next 2 months. Then they said my PMI can not be cancelled until 5 years after the original loan of XX/XX/XXXX. I waited and again requested PMI cancellation in XX/XX/XXXX in which I never heard a response. My loan was at about 50 % of the original value at this time. I had made two phone calls to resolve this, but they only ever sent me a generic letter that said my loan needs to be 75 % LTV. Before my final payment in XX/XX/XXXX, I again tried to resolve this issue. In a letter, they acknowledged my loan was 0.4 % of the original home value but they still refused to remove the private mortgage insurance. Now they required a mandatory inspection. Every time I tried to remove PMI, they came up with a new rule. There was never any clarity and they constantly gave me the run around.
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. 

I told the Experian, XXXX, and XXXX to investigate this account below : XXXX XXXX XXXX, XXXX Auto # XXXX I don't have the full account number because this is all the credit bureaus are showing.

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Credit card or prepaid card

I purchased software from XXXX XXXX XXXX on XX/XX/2020 for the price of {$1300.00}. The software was a scam and did not work as advertised. I tried filing a dispute with the XXXX XXXX but was told it was closed because XXXX XXXX said that I did not provide them with a receipt. That was a lie because I had emailed XXXX XXXX my receipt when I initially asked for a refund. I have been scammed and my credit card company will not refund me the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX  Acct # 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
Product: Credit card or prepaid card

I opened The Iddeal Card to pay for an engagement ring at XXXX XXXX on XX/XX/XXXX and received a promotional offer for 12 months at no interest for the {$6500.00} balance. I was prepared to pay off the balance as soon as possible and made monthly payments significantly over the {$35.00} min balance but in the event I could not I was told that 29 % interest would start after the 12 months are up. 29 % is crazy high but I took the card knowing that I will be able to pay the card off in the time allowed and each month I was on track with paying off the card with just {$1000.00} due in XXXX of XXXX. All payments were made using the online mobile platform and. I did run into several issues when making a payment online with the website glitching and not processing my payments. In XXXX I made what I thought was my last payment but the next time I checked the online portal I noticed the payment did not process. I called for assistance and was told to reach out to the billing resolution unit in writing. I wrote an email and snail mail letter and patiently waited for a response. When no response came in the mail or email I made a payment in XXXX of XXXX to make sure my account stayed current and I was not charged additional fees. I followed up many times with customer service and each time I spent more than an hour on the phone with no results. The response was always that I need to wait for the dispute department to reach out via snail mail for next steps. Again I made a payment in XXXX of XXXX to make sure no additional fees were applied. At this point I was not sure if the original payment I made would post but I paid the balance off with additional payments thinking that if any over payments are made I would be able to fix the issue with the billing resolution team. At this point the purchase I made was paid off but the credit card company applied {$1000.00} and {$1000.00} in interest fees. I have no idea what these fees are for, I did not agree nor was this explained to me. When I opened the card I was told that interest would start being applied after the promotional 12 months were up not that I would be charged over 1k in interest at once. I would have never agreed. Customer service was absolutely no help each time I called demanding a resolution and to this day I have not heard back to my written request for assistance. I jumped through all the hoops and followed the resolution procedures in place and now it just feels like I'm being robbed. Even after telling customer service I did not get a response back to my dispute they say and do nothing. It's absolutely ridicules how I have been treated as a customer and no other credit card has this kind of service. This is fraud and they should not be allowed to do business. I continued to make monthly payments so that this does not affect my credit. Also, I needed to pay off this balance to get a mortgage but it's not fair that this scam is taking my money each month and have no integrity or decency to speak to me regarding my claim.
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report on XXXX and noticed that there is address that is incorrect on my credit profile. I have never resided at XXXXXXXX XXXX XXXX XXXX XXXX in XXXX Texas and this information should be deleted from my credit report. I have provided a check stub and my driver licenses as proof of my residency. I noticed that there were inquires on my credit report that I did consent to. I am requesting the following inquires to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$7100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account.
Product: Debt collection

Midland Credit Management Corporation has been using inappropriate tactics to contact me to resolve this debt. The debt no longer shows up on my credit report and they have failed to provide me with information from the original debtor. In the past, I have received calls from them as early as XXXX and have been harassed and belittled by their staff. One of them, " XXXX '' called me a burden to society and went on about how people like me are leeches. I of course, asked to speak to a manager or supervisor and was put on hold ... until I finally hung up 20 minutes later. 

Recently, they have called my sister in law and husband to inquire about the debt. Today, they called the front desk at my place of employment looking for me. The receptionist forwarded the call, but it was clear to her somehow that it was a debt collection agency calling. 

I understand that the majority of their staff is calling from XXXX, but that does not make it okay for them to bully and harass people.
Product: Mortgage

In XXXX of XXXX, I refinanced my home with XX/XX/XXXX( aka ) XXXX. They had paid my taxes due for XX/XX/XXXX. Homebridge who was my current lender at the time claimed they also sent my property taxes - Homebridge was in the process of merging - since my property taxes were paid at the close of escrow, Homebrige should have issued a refund for the excess of balance. I have been calling Homebridge for the last 11 months. There first claim was they paid my property taxes on XX/XX/XXXX. I sent them proof that my taxes had already been paid. Every time I would call they would say they needed to get back to me. They called me XX/XX/XXXX advising me the the payment that was made on XX/XX/XXXX was for my XX/XX/XXXX taxes due. I advised them, that is not correct and showed them again the payment was taken from my escrow account from Homebridge. The representative on the phone told me there was nothing else she could do- I asked for a supervisor to return my call and she said, I would have a call within 24 hours. I am 2 weeks still waiting for the supervisor to call. The tax payment was in the amount of $ XXXX since I then, XX/XX/XXXX( aka XXXX XXXX ) requested I proved them with a post dated check to refund them the property taxes and the homeowners insurance. I have been attempting to work with Homebridge to no avail - meanwhile, XXXX filed a law suit for the {$5100.00} & now I have a judgement on my credit report since I don't have an additional {$5100.00} laying around to pay back XXXX. As a consumer, I have no rights, no one is listening to me and it's me against these large companies bullying me and this is all the result of Homebridge not issuing a refund check. Now this is affecting my mental & physical state not to mention now my credit. Who and how do I resolve this and do I need to possible seek legal action. I also need Homebridge to issue the refund & also provide a letter to the courts to have this removed my credit report. I am essentially paying through escrow and XXXX 3 times the amount of $ XXXX and no one cares - I NEED HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving service from Experian called XXXX XXXX which I did not request. The service sends me emails about my credit every time a credit card is used or score rises for falls, etc. I never requested this service ( I get this information elsewhere, on my terms ) The email states that if I unsubscribe from XXXX XXXX I will no longer receive such emails or newsletters but yet - there is no option to unsubscribe, not in the email and there's no option on the website. There's also no email or IM option to contact the company to advise. Experian 's business hours are during my own business hours, thus I am unable to call them on their timetable. 

My complaint : if signing up for this service can be done online so should cancelling. 

I suspect, my attempt to freeze my credit led me to unwittingly sign up for this. I'm usually very careful about this sort of thing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report.

Incorrect credit reporting, I have an account that is not correctly reported.

Account Name : XXXX XXXX XXXX  Account number : XXXX  You have this account balance as {$25000.00} but the current account balance is {$24000.00} I have attached a screenshot of this account information below
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Mortgage with XXXX XXXX in XX/XX/XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and XXXX XXXX XXXX assumes my XXXX XXXX XXXX # XXXX. In XX/XX/XXXXthe XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XX/XX/XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XX/XX/XXXX, and the fact that I refinanced my XXXX Home in XX/XX/XXXX, paid it off completely when I sold the home in XX/XX/XXXX. Financed a brand new XXXX XXXX in XX/XX/XXXX, it too is completely paid off, but I am still being denied credit in XX/XX/XXXXbecause of this Fraud to my account! I do not feel like this is fair to a XXXX XXXX that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX Veteran of this country! You can't report both loans! Thgis is Fraud!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed XXXX, multiple times, that an item on my credit report from Collection Consultants of CA is fraudulent. The latest report number is XXXX ( Collection Consultants of CA account number XXXX ) and the item in question is for {$340.00}. Both XXXX and XXXXredit Consultants of CA have been notified, in writing, with a letter provided by the Federal Trade Commission ( XXXX ) that the {$340.00} account is a result of Collection Consultants of CA fraudulently obtaining my personal information. XXXX claims to " verify '' the debt, but all they do is ask somebody else if the information is correct and the other person says, " Yep, it's correct '' and then they close the dispute. We've already established that somebody else has my personal information. Yes, Collection Consultants of CA have my personal information. Repeatedly asking them if they have my personal information isn't verifying anything other than they have my personal information. I have requested, in writing numerous times, that XXXX and Collection Consultants of CA provide actual proof in the form of a signed and dated contract for the {$340.00}. They have yet to provide this evidence. They have specifically been requested to send me copies of " Signatures on application and accounts '' through the official letter provided through the Federal Trade Commission. They have yet to do so. 

Also, XXXX keeps requesting that I call them even though I have told them, numerous times, that I do not speak on the phone and that I'm available through text, email, or US mail. They have now blocked my access to information with a statement that I must call them. I have informed them that I have a XXXX that precludes me from speaking on the phone, but they keep insisting that I speak on the phone. Unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a current customer who has been in forbearance for some time now. Though I stand to soon start paying off a substantial student loan amount, I haven't been in a position to pay off my loan quite yet. I have signed up for an IBR and do intend on being considered for the Public Servant loan forgiveness program -still waiting to hear back about it- but I, at the moment, am not in a position to begin repayment. As the IBR has already been calculated, I've already been able to calculate what my payments will look like when I am ready to start making payments ( hopefully  as soon as later next month ). 

Yet, I have to live my life and strive for the things I need, namely, buying a house. And as is customary for buying a house, I am doing my best to fix my credit, which has not been ideal. Despite the amount of debts I've been working on paying off, I've been doing a really good job and making a super concerted effort increasing my score over time. But there is an enormous obstacle in my way, and that is your incorrect reporting. As far as I can gather, from my heavy research, conversations with XXXX XXXX, XXXX, XXXX personnel, and from your personnel and website, my increases in interest while in forbearance should not be affecting my credit score. 

Yet in XX/XX/2019, my credit score increased by 64 points and yesterday, XX/XX/XXXX, it increased by 47 points. Prior to XXXX, I had close to 600 in my credit score, but then an increase in my Navient loans ( though I was in forbearance ) for about XXXX dollars or so, brought me down to XXXX. 

After I was discouraged from applying to a home because of this, I submitted a letter to Navient and my credit bureaus about this mistake, which I thought had been rectified, and then went to work at improving my score. Recently, my score was a XXXX, just XXXX  shy from the minimum most conventional lenders would consider. I was just about to apply for pre-approval when I wake up this morning to this terrible news. Now I'm at XXXX! I can't apply for the house again and all because you are reporting to the credit bureaus about my interest increase. I have not received any notification that credit reporting standards have changed and it is directly affecting my family, despite my writing a latter to Navient and not being in default at all. Never have been. 

All you know is that no matter what you do, something random and completely out of control just plunges your credit score when you're not expecting it and rather unjustly. And then it's the weekend, so you can't get this resolved until Monday, and even then, you'll have to wait a while until the issue is fixed ( if it can be fixed ) and just hope that when the next cycle goes through, it doesn't happen again. It is so discouraging and Navient does nothing to fix this. 

I'm attaching snapshots of this error and am sharing this with all of the relevant organizations. I'll also be writing a news article about this. Please fix this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Doing my loan modification with my mortgage company XXXX XXXX, I was told by countless representatives from XXXX XXXX that while I was going to the loan modification that that there would be no late payments reported to the credit bureau I spoke to representatives from XXXX XXXX XXXX XX/XX/2022 rep number XXXX. XXXX rep # XXXX XX/XX/2022 XXXX representatives # XXXX XX/XX/2022. XXXX representatives # XXXX XX/XX/XXXX. Which resulted into five late payments on my credit report. Being told by XXXX mortgage representatives, one thing, and having the told opposite happened is financially crippling their incompetence about what to do. The consumer is being left out in the cold, without knowing what to do. 

Thanks
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
I told Experian to reivestigate these accounts. However, they stated everything was accurate. How can that be if the open date, date of last activity and much more is incorrect. 

Experian is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

According to 15 USC 1681 : I have the right to privacy and I did not give Experian, written permission to furnish these accounts.

According to 15 USC 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. 

Accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX {$6100.00} 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 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