23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I had sent a request to have the PMI removed from my loan. On XX/XX/XXXX, I received a PMI DENIAL LETTER stating No Major improvements done on the property. as the reason for being denied. I called XXXX and spoke with customer service. I was advised that receipts supporting major upgrades must be scanned and emailed to PHH. On XX/XX/XXXX, I emailed 3 pdf documents containing the receipts for a large driveway expansion that I had installed in XXXX of XXXX. The customer service rep that I spoke with advised me that I would receive a response in writing ( a letter ). I hadnt received any communication regarding the PMI from PHH, so I sent a follow-up email on XX/XX/XXXX. I have received two acknowledgement emails, stating my emails were received, but I have not received any other communications from PHH. As a software engineer, I understand that technology can fail, so I wrote a letter, and sent it certified U.S. Mail, to ensure that PHH is receiving my messages. I did not receive a communication advising they received my letter, nor have they responded to my request, at all. I only receive sicitations to refinnace, that I explicitly opted out of. 

My appraisal came back at {$630000.00}, according to the customer service representative I spoke with in paragraph 1. As of today, my loan balance is {$480000.00}, which puts me at % 76.4 Loan to Value. My Loan to Value is well below the 78 % threshold used for auto-termination purposes and has been since at least XX/XX/XXXX, the date of the first mortgage statement I received after the Denial Letter. In letters that I have received from PHH, advising me of the requirements to have my PMI removed early, I dont see any references requiring major improvements. I would have been happy to have included the receipts if I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I had a phone consultation to discuss credit repair services with Ms. XXXX. I was initially charged {$220.00} for services that were to begin in XX/XX/2018. I paid for the credit monitoring services she recommended and provided the user name and password. I also uploaded supporting documentation to the portal and sent messages in the portal. Between XXXX until XXXX I paid a total of {$600.00} and yet non of the disputes I requested were conducted. Ms. XXXX sent a couple of emails apologizing for issues. There were definitely problems with the portal and I think it caused communication and documentation issues. I don't know if it was intentional but Ms. XXXX did not respond to any of my messages through the portal and calls were unsuccessful. I have recently checked to see what disputes where made and discovered that I paid {$600.00} for nothing. This money must be refunded immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third-party rep, there are accounts on my credit report that does not belong to me, and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section  requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.
Product: Credit reporting or other personal consumer reports

Syncb/ Sams Club DC did a hard inquiry on my credit report. They offered a promotion to see if you qualify for a Sam 's Club credit card. I did not provide my full social security number. This was supposed to be a soft inquiry.
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. 

XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX account number : XXXX, XXXX  account XXXX, XXXX  XXXX account number : XXXX, XXXX XXXX account number : XXXX, XXXX XXXX In accordance with the fair debt collection practices act. Debt collectors are not allowed to communicate with me under the 15 usc 1692c.

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 an 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, credit repair services, or other personal consumer reports

It has been brought to my attention that XXXX has been communicating with third parties about my personal information without direct consent 15 usc 1692 ( a ) ( i ) Pursuant to 15 usc 1611 Criminal liability for willingful and knowing you have violated my consumer rights I demand you remove any & all negative items off of my consumer report ASAP
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for an Amex Delta skymiles credit card the application was denied and when I see the reason, they used last month credit scores. Their systems says they retrieve all the data on the 18s of  each month. Keeping in mind its the 24 I applied because I paid out a debt and my score went significantly up. I then decide to apply for this card 6 days after they get the information to my disappointment they still used last month credit info. I contacted them and talk to XXXX at AMEX and I explained the situation later he says they don't offer credit improvement service. I felt offended and ask to file a claim/complaint, XXXX refused to do so. Then I decided to file this complaint because that is unacceptable behavior, from insulting me to not accepting my claim
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in proof from a credit card company that they closed my account in XXXX of XXXX, with no balance or amount due. It's been negatively reported as late payments in XXXX even though it's closed. I have sent proof to XXXX and Experian but they haven't corrected the mistake. XXXX did correctly update their records.
Product: Bank account or service

For a Capital One Savings account, you apparently need to have a minimum of {$300.00} to avoid any " maintenance '' charges. I eventually noticed the charge after two months, brought up my balance to {$300.00} in the middle of the month ( XXXX/XXXX/15 ), and was subsequently charged another {$5.00} on XXXX/XXXX/15. Based on my chat session on XXXX/XXXX/15, the representative said I would need to have {$300.00} each day ; so apparently I can not offset this and save myself from the {$5.00} fee because I can not go back in time to XXXX XXXX to bring the account back up to {$300.00}. 
So I will have been charged {$20.00} for an account that will have earned me about XXXX cents in interest over the same time period.
Product: Checking or savings account

I was contacted by Discover Bank in XX/XX/2019 and told to reach out to them regarding my checking account. When I contacted them I was told that my account was being closed and that they needed an indemnity agreement in order to receive any funds that were in the account. I reached out to all of my banks at that time and asked for this letter and was met with confusion on their part as to why this was necessary for Discover to release my funds to me. I reached back out to Discover in XXXX and was told that I could wait 90 days and would receive a check from them. I waited 90 days from that time and did not receive any check. I reached back out to Discover in XXXX and was told the same thing yet again- that I needed an indemnity letter from another bank and when I told the supervisor I was on the phone with that I was told that I would receive a check in 90 days I was told that I had been given misinformation from the person I had spoken to. I have been unable to get the indemnity letter from any of my banks and Discover has been holding my money for 5 months at this point. I'm reaching out to the CFPB in an effort to get any help I can with getting my money back from Discover.
Product: Vehicle loan or lease

On XX/XX/XXXX a vehicle that I purchased new in XXXX was towed by the City of XXXX XXXX, CA for parking tickets. My daughter was using the vehicle while in California, We live in North Carolina. 
On XX/XX/XXXX GM Financial picked up the vehicle after being contacted by the towing company. 
On XX/XX/XXXX ( Friday ) composed a letter that stated I had 10 days from the date of the notice to recover the vehicle or the vehicle would be sold in a private sale. This letter was post marked on Monday XX/XX/XXXX and I did not receive the letter until Friday XX/XX/XXXX effectively giving me less than one day to respond to the letter. 
I contacted GM Financial on XX/XX/XXXX, prior to receiving the letter because I noticed the repossession on my credit report. Prior to this I had no contact with GM Financial by any means. 
Since I initially spoke with an agent at GM Financial, I have been unable to contact anyone there via phone or messaging through their website regarding this matter. 
Furthermore, We have never missed a single payment on the vehicle loan which is now five years. We have also never allowed insurance to lapse on the vehicle though the entire loan term to date. 
A payment monthly payment was made on XX/XX/XXXX and was accepted by GM Financial but was not credited to my account and is still sowing past due along with another past due amount of {$350.00} for which I am unclear as to the nature of this past due amount since I have not received a statement for the month of XX/XX/XXXX, nor is it even available on their website when I log into my account dashboard. 
Please Help! 
Thank You!
Product: Credit reporting or other personal consumer reports

am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX consistently

responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence or a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation for following credit reportings of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

OnXX/XX/2021 BB & T processed check numberXXXX for the amount of {$1000.00} and onXX/XX/2021 they processed check number XXXX for the amount of {$2300.00}. The checks in question were stolen. They were cashed by XXXX XXXX and XXXX in XXXX AL. I filed a police report for the theft of the checks with the XXXX, AL Police Department on XX/XX/XXXX and another report in XXXX Al on XX/XX/XXXX for check fruad. I also filed a report with BB & T. On XX/XX/2021 I received a letter from Centralized Fruad Claims denying my claim because of negligence in safeguarding access to account information and/or financial documents.
Product: Vehicle loan or lease

Ally has not yet gottem back to me they changed the payment due from over XXXX down to {$440.00} in late charges which is unfounded, I I find it disgusting that you allow them to drag thier heals and possibly reporting late payments that are errors on thier part
Product: Vehicle loan or lease

I made a purchase on a vehicle XX/XX/2021 put down XXXX on XXXX XXXX XXXX with XXXX miles thought I had a good deal car was listed at XXXX none of my money ive put down or payments Ive paid over this year have made an impact on my car loan seems like & Ive been having problems after problem with this car now my transmission is out & I still have to pay that & XXXX a month not including insurance
Product: Money transfer, virtual currency, or money service

Send transfer of {$20.00} to XXXX via MoneyGram International at a pay location at XXXX XXXX  in XXXX NY. Fee charged was {$14.00}. This is a ripoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my credit report from Equifax and noticed that there were a few inquiries that I did n't recognize or authorize. Listed below are the inquiries that are unauthorized and unrecognizable. 

XXXX XXXX XXXX XXXX/XXXX/XXXX *XXXX XXXX/XXXX/XXXX *XXXX XXXX XXXX/XXXX/XXXX I called and spoke to a representative and she stated that there was nothing that she could do to help me. I put an fraud alert on my credit report for XXXX, XXXX, and XXXX for reasons like this. I would like to have these inquiries removed immediately.
Product: Mortgage

I started making extra principle payments to my mortgage company ( Coldwell Banker Mortgage ). I noticed they were not being applied to the principle and instead were being held and applied to the next regular mortgage payment. For example : I paid my XX/XX/XXXX payment, I then two weeks later sent another payment this payment was held and applied to my XX/XX/XXXX payment, then when I paid my XX/XX/XXXX payment they held it and applied it to XX/XX/XXXX. Upon noticing this I contacted my lender to get the principle payments corrected. My lender said they would fix the issue. I had 4 payments that were incorrectly applied ( for a total of {$19000.00} ). I contacted the company on XX/XX/XXXX. They said everything would be fixed within 7-10 business days. I checked on XX/XX/XXXX and only two had been corrected. I contacted the company again ( on XX/XX/XXXX ) as it had been past the 10 days to find out what happened. I was again promised that everything would be fixed but that it would take 7-10 business days. I informed them that this was not acceptable since I had already call on this and they had not fixed it. I was promised by the lender that they would get it fixed and that they were putting in a " ticket to get it fixed quicker ''. I again checked on XX/XX/XXXX and still it is not fixed. I again called the company who told me " it takes time to process, but it has been submitted ''. I checked again today XX/XX/XXXX and it still is not fixed. Right now the company is holding {$4800.00} that should be applied to principle during XX/XX/XXXX and XX/XX/XXXX, and instead telling me I do n't own my mortgage until XX/XX/XXXX which is not what I want. What makes this extra frustrating is that I am currently XXXX, so I have to call in the middle of the night to be able to reach the company during their " normal business '' hours.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX BALANCED {$11000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$4800.00} XXXX XXXX XXXX  XXXX BALANCED {$11000.00} XXXX XXXX  XXXX BALANCED {$7700.00}
Product: Money transfer, virtual currency, or money service

I went to purchase a vehicle from XXXXXXXX XXXX XXXX XXXXXXXX. 
my first initial contract with them. I was finance through a company. And I left a deposit of XXXX that I took from my account. At Wells Fargo. 
Upon discussing this issue with a sales rep, he advised me that I could go and get a loan from my bank. I did inturn contact a bank. Which is XXXX XXXX. 
They gave me an auto loan for the total amounthe vehicle. 
So in turn I request for my original down payment of {$1500.00} be returned to me now that I had a check for the total amount for the vehicle this was at XXXXXXXX XXXX XXXX  XXXX. 
So since I could not get my {$1500.00} back I had notified my bank which was Wells Fargo to stop payment and let them know that I was having a discrepancy and explain to them the situation and turned they had informed me that they was going to stop it and look into the matter so in turn Wells Fargo ask me to send all related documents which was a copy of the check which was a copy of the sale which is a copy of the receipt of the amount {$1500.00} was taken from the account to give to the dealership as a down payment and also {$67.00} now my account is overdrawn by {$700.00} and some change and that is due to Wells Fargo taking the {$1500.00} back out of the account I feel Well Fargo has not done their job and rectifying the situation this was not alone from Wells Fargo this is was my personal funds that was in this account I feel Wells Fargo is being negligence I feel discriminatory against me rather I feel that Wells Fargo did and turn help me just to in turn to say that they was not originally going to allow me to keep my money which is wrong I am requesting that Wells Fargo do another investigation I feel I would like Wells Fargo to return the {$1500.00} I did in turn went and faxed all the paperwork that they had asked me for I did in turn have to go back into the bank and have the bank to fax the paperwork off just to get a denial result out of this situation if you need more information please contact me
Product: Debt collection

My son is XXXX XXXX XXXX, has his own medical insurance and is currently in a billing dispute in the amount of {$400.00} with XXXX  XXXX XXXX regarding some tests his XXXX ordered. I am not a guarantor of his payment obligations to XXXX. XXXX. He is, of course, of majority age and notified them that I wasn't a guarantor. Nonetheless, I received a demand in XXXX from XXXX. XXXX for the {$400.00}. Additionally, in their demand I am concerned XXXX. XXXX violated my son HIPPA rights as they disclosed to me his medical records. 

I tried calling XXXX. XXXX, left a message and got no response. This occurred while my son was making a good faith effort to resolve the matter! Rather than responding to me, I just received a demand from a debt collector for the full amount. And again, my Son is actively engaged in discussions to settle the matter, yet XXXX. XXXX went ahead and either sold the claim or hired a debt collector to attempt to collect from me! This is an illegal demand and I am deeply concerned XXXX. XXXX is engaged in this practice with other patients. 

I have corresponded with the debt collector and XXXX. XXXX asking that they notify me in writing informing me I have no responsibility in this matter.