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

XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXXXXXX 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 XXXXXXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681g ( 'Fair Credit Reporting Act ' ), I've submitted a written & mailed request ( 'Request ' ) to investigate & remove some of the information on my credit report ( 'Report ' ) with Experian ( 'Company ' ) in case during the investigation Company wouldn't be able to verify this information and find it incorrect. This written mailed request was submitted ( copy of it is attached ) on XX/XX/2023. Pursuant to the rules of the procedure, this request was submitted with a copy of NY DL ( with the proof of address ) & a copy of SSN card for Company to verify the identity. On Mon, XX/XX/2023 I've received a response from Company wilfully refusing to comply with a written & mailed request to investigate incorrect information on my Report in direct violation of Fair Credit Reporting Act, since Company has been furnished with fully completed request pursuant to the rules of the procedure according to 15 USC 1681g. For your convenience, original copy of the Request and a cope of a response from the Company is attached. For security reasons, since Company is already in possesion of those copies, NY DL & SSN Card are not included in this CFPB complaint.
Product: Student loan

Hello. 

I have four consolidated loans with FedLoanServicing. They are taking an abnormally long time to do a review of my qualifying payments made for PSLF. It has so far been 81 days since I made an initial request to get an updated qualifying payment count. Here are the details : On XX/XX/2020, I sent FedLoan a request for a change to my Paid Ahead status as well as an updated summary to my qualifying payment count. 

On XX/XX/2020, FedLoan sent me an email stating " A review to confirm the total number of qualifying payments that you made for Public Service Loan Forgiveness ( PSLF ) has been submitted. We'll contact you after we complete our review. '' On XX/XX/2020, I sent FedLoan an inquiry on my previously requested payment count for PSLF qualifying payments. 

On XX/XX/2020, FedLoan sent me an email stating " We are currently still reviewing your number of qualifying payments. Once your request is reviewed, you will be sent notice of the results. '' Today is XX/XX/2020. Today is 81 days since I initially made a request for an updated summary to my PSLF qualifying payment count. 81 days is longer than I believe it should take to recount my qualifying payments. Today I contacted FedLoan once more to request an updated payment count for my PSLF qualifying payments. 

I would like to request CFPB 's assistance in helping me obtain an updated payment count for my PSLF qualifying payments, after a change in my Paid Ahead status, which occurred 81 days ago. 

Thank you CFPB for your help.
Product: Mortgage

First, I would to express my thanks an appreciations to Ditech Financial, LLC, CFPB, the senator 's office, the court and law offices the lawyers that have work so hard and continue to work in my interest believing in the United States ' justice system because it works and it 's one of the best justice system in the world ( I can attest because even though I 'm denied a " QWR to H.A.R.P modification request, the judges that have looked at my case have a cursor on the broken statue relating to my QWR request, but yet find prudence to bring about closure around justice denied in my case ). 
My complaint is thus : When my H.A.R.P modification decision be reach. If Ditech Financial will begin requesting the very same document/s submitted to as XXXX out of the range of what the law permits as in the XXXX XX/XX/XXXX case when XXXX ( XXXX ) represented me for a modification. This time during a recorded conversation on XX/XX/XXXX, Ditech reported that a " QCD/DD '' was the only data needed to be submitted to complete my file ( " Your file was rejected by underwriting pending the document '', the representative reported. Once received, the file is completed for underwriting result. 
This concern is a proven fact that is conspicuous in my case-file ( a fact that the bank/s and its ' entity will request for a document, and when one follow-up, the finding will be that the data was not admit receipt ). The next instruction after a document/s follow-up -- is to resubmit same multiple time despite an admitted conformation of the document/s date, time and station receipt. 
At this stage in the modification process, I 'm advice to undergrid the bank/s deceptive strategies in the banks ' written rules employ outside of the law that works. The act of an ongoing request for document/s and multiple resubmit requests to delay the time -line to process and reach an intervention within the Federal regulation parameter that works needs attention. Underwriting is the resisting department of moral laws vs rapacious/predatory knack to continue the delay schemes with an ultimate end being the very foreclosure that was to be remedy. 
Attached, please find copies of communications between XXXX, the court and my lawyer/s which are self-explanatory that is already part of the record of this rapacious skills, which include but not limited to : 1. Listing of requested Data QCD/DD dated XX/XX/XXXX 2. Email : XXXX XXXX XXXX XXXX motion granted to request modification ( Result : H.A.R.P modification to no avail ) 3. XXXX - confirmation for modification, etc.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

No amounts where settled or fixed by trans union rather than the scammer falsely claiming to be me. This happened last year. I opened up a bank account with my father and I received a letter about a XXXX XXXX account that was closed but I had never opened it. It was received to my fathers XXXX XXXX which I dont use. I worked and worked my way into finding out by opening credit cards as I worked and always paid on time. I came to the conclusion on who this might be and it is a family member that lives with us. I dont want to be blaming him but it isnt fair that they they thought I was doing illegally stuff when I was doing everything right the legal way. Now I want to do this right by speaking up. Its illegal to be tampering in peoples business this way. Also paid subscription of trans union that were going thru a credit card that I never opened up? So there was two trans union accounts? I grew and grew to the point where I saw the whole scam being committed by this person. I have not paid these cards ever since XXXX last time I used one was XXXX. I was authorized to my parents credit cards and the person using my name was slowly showing up in the system.
Product: Mortgage

My complaint is against my mortgage company, XXXX XXXX, based out of Virginia XXXX, in Virginia. XXXX XXXX. XXXX  XXXX, Virginia XXXX, VA XXXX ) I have tried to have my PMI removed from my account, since my original loan value was under {$130000.00} and now my home is appraised at above {$180000.00} and is much lower than the 50 % Loan to Value that mortgage companies require, in order to drop this mortgage insurance. I applied to have a refinance with XXXX XXXX in XXXX of XXXX and therefore paid under {$500.00} for an appraisal. That is how I know my PMI should be dropped because of the amount the appraisal came in at. I have attempted contact with XXXX XXXX to review that appraisal since XXXX which would put the appraisal still under the 4 month rule of it being active and current. However all I get is the run around, even when I have been transferred to PMI supervisors. They tell me that they will review my appraisal and if the LTV is lower than 50 % to the total amount owed, they will retroactively credit the PMI to my account. However, all I receive from them after a month and a half of waiting for a reply each time is a generic, auto generated letter from Loancare, which is their servicing company, stating what the process is for cancellation of PMI. There is absolutely no mention of the appraisal they have been emailed multiple times, which each PMI supervisor could see on my records and acknowledged the receival of. I want my PMI dropped and I want my account to be retroactively credit the {$99.00} they charge me monthly, since my initial request to them in XXXX of XXXX. 
Here is the log of my contact with them. 
Week of XX/XX/XXXX, initial PMI request on the phone. 
XX/XX/XXXX emailed and tried to follow up with my request and attached the appraisal in email. 
XX/XX/XXXX emailed to follow up again. 
XX/XX/XXXX emailed to follow up again. 
XX/XX/XXXX called to follow up, spoke to XXXX, she said the review process would take till XX/XX/XXXX and I would receive correspondence in 10 days. I did receive yet another one of those auto generated PMI letters. 
XX/XX/XXXX spoke to XXXX, asked to be transferred to a PMI supervisor, XXXX, then XXXX. 
XX/XX/XXXX emailed appraisal to XXXX. 
XX/XX/XXXX spoke to XXXX in the customer service center, asked to be transferred to a PMI supervisor, got hung up on after 40 minutes of being on hold. 
XXXX spoke to XXXX, then transferred to XXXX. She stated that she is able to see my appraisal, that someone from the PMI supervisor team would review it and would retroactively credit my account, once they confirm the new appraised worth of my home. 
Week of XX/XX/XXXX received yet another of the auto generated PMI letters, which I now have about five of. 

Thank you.
Product: Vehicle loan or lease

On XX/XX/2021 I entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX A consumer credit transaction in which a finance charge was involved. Pursuant to 15 USC 1605, a finance charge is the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but they took my cash anyway. The finance charge is suppose to include insurance but I was made to purchase that separately along with the service warranty and other premiums allotted to me by my Federally Protected Consumer Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items are fraudulent and were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these fraudulent and inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history. 

XXXX XXXX XXXX XXXX {$430.00} - COLLLECTION/XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX COLLECTION/XXXX  XXXX XXXX XXXX XXXX {$8300.00} - COLLECTION/ALL BUREAUS XXXX XXXX  XXXX XXXX - COLLECTION/ALL BUREAUS XXXX XXXX XXXX XXXX COLLECTION/XXXX  & EXPERIAN DEPT OF EDXXXX XXXX XXXX {$0.00} - COLLECTION/XXXX & XXXX DEPT OF EDXXXX XXXX XXXX {$0.00} - COLLECTION/XXXX  & XXXX DEPT OF EDXXXX XXXX XXXX {$0.00} - COLLECTION/XXXX  XXXX XXXX DEPT OF EDXXXX XXXX XXXX {$0.00} XXXX COLLECTION/XXXX  XXXX XXXX DEPT OF EDXXXX XXXX XXXX {$0.00} - COLLECTION/XXXX  & XXXX DEPT OF EDXXXX XXXX XXXX {$0.00} XXXX COLLECTION/XXXX  & XXXX DEPT OF EDXXXX XXXX XXXX {$0.00} XXXX COLLECTION/XXXX  & XXXX DEPT OF EDXXXX XXXX XXXX {$0.00} - COLLECTION/XXXX  XXXX XXXX DEPT OF EDXXXX XXXX XXXX {$0.00} - COLLECTION/EQUIFAX & XXXX DEPT OF EDXXXX XXXX XXXX {$0.00} - XXXX & XXXX DEPT OF EDXXXX XXXX XXXX {$0.00} XXXX XXXX & XXXX DEPT OF EDXXXX XXXX XXXX {$0.00} - COLLECTION/EQUIFAX XXXX XXXX DEPT OF EDXXXX XXXX XXXX {$0.00} - COLLECTION/EQUIFAX & XXXX DEPT OF EDXXXX XXXX XXXX {$0.00} - COLLECTION/EQUIFAX XXXX XXXX XXXX XXXX XXXX {$0.00} - XXXX EXPERIAN XXXX XXXX
Product: Credit reporting or other personal consumer reports

So I received two late payments for the months of XXXX and XXXX of XXXX due to fraudulent activity on my XXXX master card. Those chargers started in XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX During this time I was XXXX from XXXX, XXXX XXXX until my release of XX/XX/XXXX. I have the documentation showing these dates and when I furloughed from XXXX XXXX to XXXX XXXX plan on XX/XX/XXXX. I Also made a police report on XX/XX/XXXX about these activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX, I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U, S. Code 16816 In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( I ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XXXX Creditor : EQUIFAX MTG Inquiry Date : XXXX I AM REQUESTING UNDER FRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I look forward to receiving an updated copy of my credit report reflecting the above correction.

Thank you in advance.

Sincerely,
Product: Credit card or prepaid card

Received emails from Avant about an account that I had opened. I never opened an account with them. I also had my credit locked through XXXX as well as notes attached with all three credit bureaus to verify all information due to previous fraud attempts after my information was leaked during a data breach. They pulled my credit without my consent and I am currently in the process of building/closing on a home. I have received no call backs from them and everytime I call I am told that there is a note on my file. They pulled my credit. A hard pull that I did not authorize.
Product: Credit reporting or other personal consumer reports

Consumer Submitted method of verification letter to request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. All documentation by email or mail. 
FCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is seven years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of XXXX XXXX XXXX  charge off from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

BASED ON 15U.S CODE 1681A, XXXX XXXX USE INFORMATION ON XX/XX/2017 AND XX/XX/2017 WITHOUT MY WRITTEN CONSENT I HAVE ASK THEM NUMEROUS TIMES TO REMOVE LATE PAYMENTS FROM MY CREDIT REPORT BUT THEY CONTINUE TO BREAK CONSUMER LAWS.
Product: Checking or savings account

'' We placed {$1300.00} in suspense on XX/XX/XXXX, because we needed to verify two items deposited into your account prior to the closure. 
We were able to verify the items on XX/XX/XXXX, and we mailed a check for {$1300.00} on XX/XX/XXXX, to the address we have on file for you. '' Why it took many years to verify 2 deposits? 
This is the normal time needed? 
Why does it take you many years to verify only 2 deposits? {$1300.00}. It was only 2. Had it been 3 or more, how many centuries would it take you to verify? 
Had I not resolutely kept on jpmc, workers sm XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. It would have been more years, as obviously jpmc workers had been just ignoring it. 
I spoke with rs Worker XXXX about the most recent distribution, which XXXX ignored, never taking care of it. 
It was easier for all workers to just ignore it. 
All other coworkers ignored it, still had a job, got promoted, why not them too, right? 

''Our associates have made repeated attempts to contact you and gain clarification of any further concerns you may have about these transactions. '' Lies. 
Untrue. 
Workers sm XXXX XXXX XXXX, XXXX XXXX XXXX all had my telephone number and e mail address, methods to be in touch with me. Though their contacts were useless meaningless and unwilling contacts for show. 
None truly willing to get any mistakes of XXXX XXXX righted, taken cared. 
Workers XXXX XXXX, XXXX XXXX had repeatedly attempted to avoid, ignore me. 
Worker XXXX XXXX ignored my e mails. 
These all had my e mail address and telephone number. None contacted me later when nothing was ever done
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to the 3 credit bureaus regarding inaccurate reporting of a bankruptcy on my credit reports. XXXX  deleted the inaccurate information, Equifax and XXXX would not delete the inaccurate information. Equifax and XXXX  said their information was verified as accurate. The third party company ( XXXX XXXX ) in which XXXX and Equifax claim they received the information stated they could not verify the information as accurate and has deleted the information from the report and requested XXXX and Equifax remove the inaccurate/unverifiable information as well but they did not. If the third party ( XXXX XXXX ) in which XXXX and Equifax say they are getting accurate information is stating the information is not verified and accurate how can XXXX and Equifax report this as accurate?! I have attached documents from the companies stating the above and I would like to have the inaccurate information removed from my XXXX  and Equifax reports as soon as possible for they are violating the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Product: Debt collection

I am currently in chapter XXXX. The HOA stating I owe money for past due association fees which are connected to over 15 FRAUDULENT LOANS CONNECTED TO XXXX XXXX, There is a claim within the XXXX listing a XXXX total. I want the validation of debt sent to me since I am pro-se. 

Also, the representing attorney was reported for unethical conduct.
Product: Debt collection

I receive about 3 calls a day. Today I received a call at XXXX XXXX, XXXX XXXX, and XXXX XXXX  which wasn't even 2 hours apart.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage lender reported to Credit Bureau that shows a 60 day late payment in XX/XX/XXXX for a XX/XX/XXXX payment on my credit report. 
Original loan was indeed in my name but in XX/XX/XXXX Came a divorce. 
In the Final Divorce Decree it's ordered for the Wife the divorce filer Be Liable For All Future Payments of said mortgage and hold husband NOT LIABLE for any such payments as entered in the decree as of XX/XX/XXXX. After speaking to the creditor and the credit bureau I fear the resolution will not be the proper and fair decision since I'm not liable for the mortgage that by law belongs to another. Creditor ( Mortgage Lender ) has already stated in the phone conversation on the morning of XX/XX/XXXX that there would have needed be an application for a loan assumption which by my standards is not acceptable nor fair. So I have taken by their comments that the information remains on MY credit report for a loan and property that I did not own at the time of reporting by creditor and credit bureau.