23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hi, I'm trying to dispute these creditors because I have already contacted these agencies on XX/XX/2024. I have sent them this letter, and they sent me a letter back stating that they can't resolve it because it's been verified. However, I need to have these removed because of the law.
Product: Mortgage

On  XXXX   XXXX ,   XXXX  , Guild Mortgage Company was the lender for my loan. At closing the sellers where charged {$1700.00} for Colorado property taxes for the year   XXXX  . The sellers by mistake received a notice to pay   XXXX   taxes, did so. 3 Months late r Guild  Mortgage sold my loan to  XXXX  Bank. The amount in my Escrow with Guild was {$1000.00} what  XXXX  bank received was {$710.00}. I have letters from  Guild  Mortgage and  XXXX  stating that taxes were paid by a unknown source. I have requested from Guild for the amount of {$1700.00} to be transferred to my escrow or account that dollar amount.   In the mean time the sellers have taken me to small claims for the amount of {$1800.00} for damages and there taxes to be returned, Which now I have to pay the plaintiffs. I have request Guild Mortgage Company on many occasions to show proof of where they have used my escrow monies and still they ca n't answer me. On  XXXX   XXXX  with the help of a  XXXX   XXXX  on a  XXXX  way call they still were unable to account to  XXXX  why my Escrow was short at the time they sold it to them. I want them to return the monies that I was charged at the time I purchased my home and I want the sellers to receive the monies due them,
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is all the evidence and records proving that TransUnion is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof.

An investigation needs to be done regarding TransUnions abusive and reckless method of verification process.

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed.

The following information is being reported inaccurately, falsely and unfairly by TransUnion. 

XXXX XXXX XXXX # XXXX TransUnion is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from TransUnion 's inaccurate reporting. 

METHOD OF VERIFICATION I would like TransUnion to provide me the name of the original creditor, the address and phone number of the original creditor, the person at TransUnion who verified the dispute with XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If TransUnion can not send me these simple items, then I demand the account be deleted. 

I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 
TransUnion must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX can not hold in court as per the noted court cases. 

XXXX v TransUnion XXXX v XXXX XXXX v XXXX ( XXXX ) The XXXX data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent accounts it may create for consumer credit reports! 

At this time, TransUnion does not need to falsely verify this account again. The only acceptable thing they need to do now is to delete it immediately! 

I demand to see TransUnion 's method of verification and the documents they relied upon to verify this account at the time of my dispute regarding this particular account as per the FCRA.
Product: Debt collection

Do not know who this company is and this debt that they are saying is owed to them. This information is not valid and requested a validation of debt and any written documentation that shows a contract between me ( consumer ) and company where my signature is on it that specifically is with this company in accordance to Law 15usc1692g
Product: Checking or savings account

I have several business accounts and credit cards with the bank. On XX/XX/XXXX I received an email that asked if I recognized two debit card charges, which I did not, so I clicked no and the website indicated I would hear back from someone within 2 business days. The days came and went and I checked to see the status of my account and found several fraudulent charges on the account so I called claims to let them know that the card which I had reported as in my possession and with fraudulent charges needed to be canceled and those debits reversed. That was on XX/XX/XXXX or so. 

A week later there were still charges occurring on the canceled card so I called claims again and asked that a manager be attached to my account to make sure it is being supervised and to reverse all the fraud. They reversed it but again a week later there were more charges on the canceled card. And another time thereafter. 

I have now had to call 4 times to make claims despite being promised 3x that escalation would follow up with me and take care of the situation. There have been 60 transactions from XXXX XXXX XXXX all at XXXX theaters and over {$6000.00} of my money used on a card that was already canceled. The bank is not managing the issue or solving it, they're just wasting an hour of my time every week figuring out there has been more fraud and leaving me to try to solve it. 

This past time I finally was connected with an escalation manager who proceeded to hang up on me while I was on hold as she attempted to figure out the problem and now 40 minutes later I have not been called back. I will have 120 extra entries for bookkeeping, my payroll bounced due to insufficient funds which delayed payroll for my staff, I received a fee from the payroller, and now my payroll will need to have 4 days lead time instead of 2 which is another cashflow burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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 reporting or other personal consumer reports

I have filed an ftc report on the negative inaccurate inconsistent fraudulent accounts listed in the dispute letters to XXXX XXXXXXXX, and equifax and requested them to validate the fraudulent accounts being reported and they keep verifying without doing an investigation.my ex wife XXXX XXXX XXXX used my identity without my permission when i was going threw XXXX in XXXX XXXX filed an ftcvreport and wrote an identity theft Affidavit against her.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts are violating the fcra and keeping me from buying a home and a new car.i am demanding that they remove these accounts within 4business days of receiving this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i am attaching the ftc report and the dispute letters I mailed to the bureaus.they are violating 15 usc1692 ( g ) and 15usc1681i. I haven't given them written permission to report these negative inaccurate inconsistent accounts.i have disputed over10 times and have filed numerous complaints with cfpb and XXXX equifax and XXXX keep reporting inaccurate information on my consumer credit report and is keeping me from buying a home for my children.please help me remove these fraudulent accounts within 4business days. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  social security number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX attached is my driver 's license and social security number and proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXl 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. 


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 reporting containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than XXXX years XXXX U.S.C XXXX ( A ) ( XXXX ) 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: Mortgage

to whom it may concern, pls help me to resolve the issue of refusing my request to stop pmi charge in my mortgage, despite of my mortgage XXXX is more than 80 %. 
the bethpage fedeal credit union kept continuing my pmi even though they cancelled in the first place and then resume again, despite of my continuous request. 
it is unfair to me that i am paying the pmi, despite of paying on time and over the amount that i am paying monthly plus advance payment in principal. 
kindly help me to solve this issue because that kept charging my bank account thank you, XXXX XXXX
Product: Mortgage

1. I purchased residential property at XXXX XXXX XXXX, XXXX, Georgia, XXXX on XXXX for $ XXXX 2. I did 10 % down payment and paid {$15000.00} by Cashier 's Check. 3. I was asked to pay Private Mortgage Insurance {$77.00} every month as I paid only 10 % down payment. I was given Private Mortgage Insurance - Initial Disclosure where in it states that when the principal loan amount is to reach 78 % of the Original value of the property, Automatic Termination of PMI would terminate. 4. The Amortization Schedule was given and when the Principal Balance reaches to {$110000.00}, this balance will be reaching 78 % and automatically PMI terminates. 5. Loan was modified by XXXX XXXX XXXX XXXX, and the additional agreement states under section D that all the terms and provisions of the Loan Documents remain in full force and effect. 6. On XX/XX/XXXX, my loan servicing was transferred to Nationstar Mortgage LLC and I was informed that nothing else about the mortgage loan will change. 7. Nationstar Mortgage on XX/XX/XXXX sent a Mortgage Insurance Annual Disclosure, stating that PMI will automatically terminate on the date the principal balance of my loan is first scheduled to reach 78 % of the original value of the property. 8. I reached 78 % of the original value of the property on XX/XX/XXXX. 9. Nationstar Mortgage LLC., sent me a letter on XX/XX/XXXX that my property purchase price is {$150000.00} and the appraisal is {$150000.00} and my LTV is 77.67 % and automatic termination of the PMI would be XX/XX/XXXX. 10. Nationstar Mortgage LLC., sent me a letter on XX/XX/XXXX confirmed after reviewing the PMI Disclosure, the PMI will automatically terminate on XX/XX/XXXX. 11. XXXX Court reference to similar situation is referred that Mortage Companny can not calculate the PMI automatic termination date on the updated property value which in this case Nationstar Mortgage LLC., has taken the $ XXXX the transferred balance loan amount from XXXX XXXX XXXX XXXX , as property value. A huge mistake Nationstar Mortgage has done. Where as XXXX Courts say that the original value of the property only to be taken. I want Nationstar Mortgage LLC., to refund the excess PMI collected from me. My Nationstar Loan A/c No. is XXXX. Thanking you, Yours truly, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Debt collection

I want to remove the XXXX CEDAR BUS SE collection. It is a fraudulent account that appeared on my account. 
Before CEDAR BUS SE appears on my credit, it must have proof that the information it is going to report on my credit is verified. I am within my rights to request that this collection be removed.
Product: Checking or savings account

I opened a business checking account XXXX at the XXXX NY office of Citibank. The account came with the promotional offer of {$700.00} after keeping at least {$25000.00} in the account for three months. I did keep the required balance but the bonus has never posted to my account. First I received a letter in mail from Citibank saying that I qualified for the bonus but Citibank claimed they did not have my tax information. I went to the XXXX XXXX branch and banker XXXX XXXX XXXX filed the tax form that I completed. No bonus yet. I asked XXXX to check the status. He received no answer and filed the form one more time. Then I received the tax form in the mail from the Citibank office in XXXX XXXX, MO which I completed and sent back to Citibank. After several phone calls to Citi Customer Service I was told that they received my form. Still no bonus. XXXX sent the tax form at least four times and I called the customer service at least three times. Both XXXX and I have no more avenues to proceed with the request.
Product: Mortgage

my mortgage companyforced us to have the taxes in my mortgae and they were responsible to pay them and nowthey failed to pay the real estate taxes and now the property is going up for tax sale
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$2900.00} XXXXXXXX XXXX  XXXX Balance Owed : {$4900.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUION is still allowing items report to my credit file. My lawyer and i have contacted the creditors and received written responses by email and mail, which is attached in the documents i included. TransUnion is still trying to waste time and contact the creditors of these 3 unauthorized inquires. The other bureau 's has already taken care of this issue within 3 business days, Why can't transunion do the same!? 

The creditors sent my lawyer and i letters to send TransUnion, stating to remove the following inquiries off my report and TransUnion refuses to remove instantly. 
PLEASE SEND THIS ASAP AND REMOVE ASAP before we pursuit with court.
Product: Mortgage

I have had several loan modifications Wrongfully cancelled by Carrington Mortgager. I am filing this complaint to have their Loan Modification practices investigated and have my loan modification reinstated. 

I am a XXXX XXXX XXXXXXXX and XXXX XXXX Veteran. My father and I have had a lot of health issues and XXXX. We have been working extremely hard to be able to keep our home. Carrington has made it incredibly difficult and stressful to be able to save our home. They keep changing their requirements like they did for Loan Modification they approved XX/XX/XXXX and the one they wrongfully cancelled XX/XX/XXXX. 

I was approved for a trial Loan Modification XX/XX/XXXX with payments of XXXX XXXX, XXXX and XX/XX/XXXX. I completed payments and was sent paperwork to finalize loan modification on XX/XX/XXXX. They requested for the paperwork signed and notarized back by XX/XX/XXXX ( less than 7 working days. ) I got paperwork signed, notarized and sent by Fri  XX/XX/XXXX via XXXX XXXX. Tracking number XXXX. It arrived on XX/XX/XXXX and Carrington Mortgage did not receive the package because they were CLOSED due to it being XXXX XXXX Holiday. I got notice that the loan modification was cancelled due to them not receiving signed and notarized paperwork on time. I filed a dispute and showed the XXXX  dates along with it saying they were closed on XX/XX/XXXX so the paperwork could not be delivered. They still denied continuing my loan modification. My 3 payments have not been accounted for even though I have requested a detailed statement about where they are. 

They initiated foreclosure procedures again and said I would have to start the loan modification process all over again. I filed loan new loan modification paperwork XX/XX/XXXX. I then received notice dated XX/XX/XXXX that the modification had been cancelled at my request or that I no longer wished to keep my home. Both of these statements are false. I DID NOT cancel loan modification. I still want to SAVE my HOME. I made no such cancellation and them cancelling it without my knowledge or consent is illegal. 

I filed an FHA/HUD case number XXXX and was advised my ex husbands signature would not be required with the documentation provided. I included this information in loan modification request. My ex husband keeps maliciously trying to stop my loan modification when he has no say in the matter as shown by the paperwork provided. 

Documents included in the loan modification application that renders my ex husbands signature not required are included in attachments. 
1 ) Separation agreement 2 ) Separation addendum 3 ) Final Divorce decree 4 ) Signed Deed of Gift my ex husband signed 5 ) Recorded Deed ( with my name only ) 6 ) First Loan Modification done by XXXX XXXX XXXX  XXXX I am including Loan Modification paperwork, XXXX paperwork, Trial loan modification paperwork and HUD/FHA case information. Your assistance in this matter is greatly appreciated.
Product: Credit card or prepaid card

I applied and was approved for a Barclays Aviator Business credit card on XX/XX/2019. The account was approved and I received and activated the card. The card was locked due to business verification purposes upon receiving the card, and I have not been able to use the card. I called Barclays 's Fraud Department, who requested business verification documents for the card. I would have no issue with this if this business verification was performed before the account was approved. However, the account has been approved, the annual fee has been charged, and the promotional sign up bonus time period ( spending a certain amount within the first 3 months of account opening ) has begun, all while I am unable to use my card. Over a week ago, I faxed in an IRS form for my business to verify my business. However, it is now XX/XX/2019 and the Fraud Department has stated that the document is still being reviewed and they have no idea when the review process will be completed. 

My issue is that this business verification process should have been completed prior to approving my application for a credit card. Instead, it is being requested after Barclays approved the account and are charging the annual fee.
Product: Credit card or prepaid card

We were using the  XXXX   XXXX  MasterCard for fuel for our company vehicles. We just established this account in  XXXX . All employees  that drive  company vehicles were assigned a card with a unique PIN to avoid unauthorized transactions.  XXXX   XXXX   XXXX   XXXX  contacted me via email on  XXXX / XXXX /  XXXX   about suspicious activity on one of our employee 's cards. After looking into it, we discovered that this person 's card was used to run up over {$2700.00} in charges, while the employee was in a different city on a jobsite with the card in his possession. Only explanation is the card number was stolen by a skimmer on a gas pump. I was told to fill out a form to file the claim. I have conflicting emails from this company telling me how to file the complaint - some told me to fill a form out and email it, others told me to file online. I did both. Afte r 4-5 attem pts - I was finally able to get somebody to look into the claim. This was in late  XXXX . I have many emails showing my repeated attempts to get someone to help me with this issue. All that they do is open a claim for you, email you the claim #, then close the claim without doing anything. I received an apology via email for their poor service. I was promised resolution by  XXXX / XXXX /  XXXX  . I did not receive any further communication until  XXXX / XXXX /  XXXX   at which time they denied the claim, stating that the disputed charges were not covered under our Terms & Conditions due to a "  10 card rule ''. They said this is one of the many reasons they provide us with " tools necessary to monitor your account on a real-time basis to identify unauthorized use proactively ''. However, I can not get anyone at the company to tell me how this card was used without the employee 's unique PIN number. The PIN numbers are supposed to be one of the " tools '' to prevent these incidents, and clearly this did not work. Also since I short paid our invoices by the fraudulent amount, they cut off all of our fleet cards without warning, leaving our drivers in bad positions because they could not purchase fuel when needed. This company has the worst customer service department and response time of any credit card company that I have ever worked with in my 25 years of experience.
Product: Debt collection

On XX/XX/XXXX, I sent via certified mail with return receipt a request for LVNV to cease and desist communication with me invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, which regulates communication practices by debt collectors. I further instructed them to consider that letter as a formal dispute of the debt associated with the referenced account number ( Resurgent ID - XXXX, {$3100.00} ) and requested FULL validation. To this date, I have not received full validation as required. On XX/XX/XXXX, LVNV responded via letter per USPS with one XXXX  XXXX statement dated XX/XX/XXXX and a history of ownership where the account was sold to XXXX different companies all on the same day, XX/XX/XXXX.