23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have contacted Regions several times regarding the removal of PMI from my mortgage. Originally they told me after my Loan to Value reached 80 % or less, they would be able to remove PMI after 1 year from my loan origination. When I contacted them at my 1 year anniversary, they said that due to the pandemic, that the LTV requirement was reduced to 75 % or after 2 years since origination for 80 %. After my second year anniversary from origination, I called XX/XX/XXXX to prepare for my 2 year anniversary on XX/XX/XXXX. They then notified my that it was not the anniversary of the loan origination but from the date the first payment was made which was XX/XX/XXXX. 

When I called on XX/XX/XXXX, they told me that XXXX XXXX had valued my house so low that my loan to value is 98 %. They refused to give me any information on the value, how it was obtained or what it is based on. This is highly unethical as their information disputes all past and current valuations. Furthermore, they are charging {$150.00} to order a new appraisal. It would suit Regions to make it as difficult as possible to remove PMI as those payments go directly to their profits. 

They referred me to XXXX XXXX 's website for their guidelines but there are no guidelines I could find and no sources of their valuation. They then referred me to my original loan documents which would also not provide me with any information on their sources of valuation. Ultimately, they are not providing transparent process and information regarding my loan and creating barriers to removing unjustly fees that are no longer warranted. The representative I spoke with is named XXXX and he would not disclose the supervisor in which he consulted for his final answer. 

I suggest a deeper internal investigation as I suspect several consumers are facing the same unethical obstacles to retain fee profits.
Product: Credit card or prepaid card

I've been a Chase customer for years with a credit line > $ XXXX. My wife got a referral offer for the XXXX credit card. She is a cardholder and I've been marketed to numerous times. I finally decided to apply and they decline me, despite the fact my account is in perfect standing ( and I haven't even paid interest because I pay in full every month ) and my Chase-proprietary credit score is XXXX out of XXXX. Nearly perfect. I called Chase and all they could or would do is read back the letter to me, which was emailed to me. They didn't even bother to mail the rejection. In the end, I got a hard inquiry and a no real explanation, nor anyone that can actually help me. 

I pay off my credit card in-full every cycle on all my credit and charge cards, including Chase, XXXX my very high XXXX XXXX, and I wonder if this decline is more of the fact I am unlikely to generate the revenue they want versus I am a bad credit risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, JPMCB - CARD SERVICE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX EOS XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo changed my credit card limit that caused an negative impact to my credit score. Wells Fargo also started charging my accounts for fees each month.
Product: Checking or savings account

Capital one sent me an email stating that willingly unlinked my account with XXXX XXXX XXXX. I did not unlink these accounts. I called capital one to express my concern that my account could have been hacked by a non authorized user. They advises me that they had no information and if my account is compromised I have to wait it out to see if anyone steals my money or my information. They refused to give me a new account number and close the compromise account number down. Now Im sitting here worried that somebody has all my information and capital one is ok with that.
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. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within the creditors standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX XXXX : Upon reviewing my account, I identified that my payments, which were made on time, were incorrectly processed as late due to a system error on the creditors part. This error led to the account being reported as delinquent without proper cause. 
Evidence Provided : I have attached my bank statements and payment confirmation emails showing that the payment was processed, clearly demonstrating that no 30-day late payment should have been reported. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Loan Care says that they never received my XXXX payment. I have had countless phone calls with them totaling countless hours on the phone. I have spoke to representatives, managers, supervisors, I have even had my bank on the phone with them. I have sent them countless e-mails with all the information they ask for to fix the issue. Each time Loan Care assuring me or us that they have the information they need to handle the problem and assured me it would be fixed. It is now unbelievably XX/XX/XXXX and it is still not handled. I have never missed a payment on anything in my life. This was my first scheduled payment with them once they got my mortgage from XXXX and obviously they didn't handle the switch correctly as every payment after was made the same exact way and they received it just fine. I am at my wits end with this company as they are unable to fix the problem and essentially stole my money. I have even had managers PROMISE me they would call me themselves at a specified date and time multiple times and they never got back to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; XXXX ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Deer Park NY XXXX SSN- XXXX Email- XXXX Phone- XXXX DOB - XX/XX/XXXX ACCOUNTS THAT NEED TO BE REMOVED ARE BELOW XXXX XXXX - XX/XX/XXXX {$890.00} XXXX - XX/XX/XXXX {$930.00}
Product: Credit card or prepaid card

There are duplicate accounts reflected on all three credit reporting agencies, balance history inaccurate dated XXXX, XXXX, XXXX of 2020. They have also submitted a new account, that is okay.
Product: Debt collection

My name is XXXX XXXX XXXX, I received my consumer reports and notice that this company LVNV FUNDING LLC is unlawfully reporting a collection account ( account number being XXXX ). I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian disputing 8 accounts as erroneous on XX/XX/2022. It is now XX/XX/2022 and I have not received a response from this credit reporting agencies. I also sent a follow up letter today for Experian to comply with 30 day investigation law. I would like these erroneous accounts deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several credit card accounts. An inquiry from Discover was found on his XXXX   and XXXX credit reports related to one of these fraudulent applications. An official dispute of this application was submitted to Discover XX/XX/2018 ; Discover replied stating the inquiry was accurate as it was related to an application. While the dispute was acknowledging the application was submitted it also indicated the nature of the application was related to an issue of fraud and identity theft and under teh FCRA that inquiry is to be removed from any and all credit reports. This current actions is a direct violation of the FCRA and my clients federal consumer rights.
Product: Credit card or prepaid card

I reported the dispute to capital one and provided them with the documentation that showed the XXXX XXXX  who was automatically charging me {$99.00} per month was doing so after the service had been canceled for 11 Months before I noticed and disputed the problem. Capital one responded and stated that I did not provide the documentation that they requested but this is untrue. I have also tried to call XXXX XXXX  to discuss the issue and they just have a recording with a message and never return my calls. I have also been charged late fees and interest that I want removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXXXXXX XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXXBalance Owed : {$4000.00} ; US DEPT ED XXXX Balance Owed : {$3000.00} ; XXXX XXXXBalance Owed : {$6400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I lost my t-mobile phone and money and my account was accessed through it. My money was taken from my savings account and sent to my checking account, then sent to my cashapp, then sent to a XXXX banks while locking me out of my cashapp account. I called as the transactions were still pending and told to call back once they went through. I did so then was blamed for the money taken from my account. Chime has not gotten the amount of money I need refunded correct since I placed the claim, it is only supposed to be for XXXX total. XXXX I had to set up another account in order to dispute the charges and they too blamed me. They are both stealing people 's money and not protecting them when supposed to. Please assist this has been going on in Disputes for over a year and u also have a police report that was filed and given to them as evidence. Along with multiple screenshots showing my whereabouts and the transactions that were taking place and the struggle I encountered trying to not get my account hacked.
Product: Student loan

Contacted Nelnet on XX/XX/2022 to get a refund on student loans. Was transferred between departments and was not able to get a refund. XX/XX/2022 contacted again to get refund and loans reinstated and was told I would get confirmation via email or call in approximately 5 business days. Today XX/XX/2022 I have not heard of a response from Nelnet about my refund being accepted or denied. I was told it would take 4-6 weeks from when the refund would be approved to get my refund check as well. It is now 4 weeks and have not heard back of the initial pending refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized hard inquiry from XXXX XXXX on my Experian credit report datedXX/XX/XXXX that does not belong to me. I have attempted to resolve this matter with Experian diretly via phone and even via CFPB but am told continuously told to contact the creditor. This complaint is to make you aware that I have already attempted to resolve this matter with them, as per your instructions and have sent a CERTIFIED LETTER requesting to remove this erroneous record from my report. A return receipt is provided in this complaint which shows it was received by XXXX XXXX on XX/XX/XXXX. The creditor has not responded to my request despite waiting 60 days. Please have this record removed from my report immediately. Attached is proof of my attempt to resolve this matter and have now been left without resolution form both parties and yet I continue to have an adverse record on my report that does not belong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted Experian about an account that is supposed to be removed from my credit report, when I called and spoke to a dispute XXXX  I informed them about the account and told them that a had received a notice that the original credit Co sent Experian a request to remove the account and I had upload the proof to my dispute online. The person then told me that when they contacted the company they certified to Experian that the information was correct and the account would remain unchanged. I then ask for the proof that they were given to show that this account was mine and was then informed that they don't do that and it wasn't part of their job to provide evidence ... I ask the person so what are you going by that this account is actually mine and was told that's what the collection agency told them I owed them money. I was then hung up on after waiting for 45 mins on hold to speak with someone else. This is the 3rd time I have disputed this account and it will be the last before taking further legal action. I will upload the documents for you to see thank you.
Product: Credit card or prepaid card

From XXXX XXXX Bank of America freeze the unemployment insurance benefits, which made it very difficult for me to unfreeze my prepaid debit cards or to report fraudulent use of my cards. Identity theft affected eligible cardholders with legitimate prepaid debit card accounts. 
In addition, the bank denied some notices of error submitted by prepaid debit cardholders that the bank had previously investigated and paid. The bank told me they had agents available 24 hours a day, seven days a week, when in fact, it operated a more limited schedule for its claims call center and their website was frozen or was unavailable for several days due to technical problems. 
Bank of America automatically and unlawfully froze my account with a faulty fraud detection program and then gave me little recourse when there was no fraud, for the Bank didn't conduct a reasonable investigation. This put a low limit on unemployment insurance froze my account and left me needing the money. 

Information about my XXXX account : My online XXXX XXXX XXXX XXXX account With Bank of America shows that I have received payments from : XXXX XXXX- XXXX XXXX Total {$2100.00} XXXX - Sep/ XX/XX/XXXX Total {$2600.00} No benefits were received from XXXX XXXX To XXXX XXXX. Additionally, no benefit has been received from XXXX/ XX/XX/XXXX to XXXX/ XX/XX/XXXX. 
I have worked full time and have been out of work since XX/XX/XXXX, due to the XXXX XXXX in California. 

Please See the attachment ( XXXX ) : Statement from XXXX XXXX to XXXX XXXX History Driven XXXX Benefit from XXXX to XXXX XXXX XXXX