23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB customer service representative, I am writing to your office in regards to a 30 year FHA mortgage loan that I have been paying for the last XXXX years. My principal Complaint/Concern is that this loans MIP/PMI is still being charged even though the FHA loan criteria terms have been all met since XX/XX/XXXX. 
I need confirmation from the pertinent agency/department in regards to my LOAN # XXXX, which is an FHA loan, originated by XXXX XXXX in XX/XX/XXXX, then Sold to Nationstar, and now being serviced by Mr. Cooper. I have been paying PMI/MIP. for the last 5 years and 11 months. My understanding was that XX/XX/XXXX was the 5 year maturity date of the FHA pmi. And so, I am hereby requesting a formal review and ensuing confirmation that this PMI/MIP will no longer have to be paidAGAIN!. Previously when I called, I was told by NATIONSTAR ( My loan servicer at the time ) that the PMI/MIP will automatically be stopped at the 5 year anniversary. However, it hasnt been stopped as of yet. I want and need confirmation IN WRITING of such transaction so as to have the pertinent documentation on file for future reference. I am considering court action due to the corrupt bait and switch tactics employed by FHA in connection with the mortgage companyillegal and designed to saddle the homeowner with a PMI/MIP for much longer than necessary/stated. Point of fact, I met all of the criteria stated by the FHA regulation. However, I was not cleared of the PMI because of a catch 20/20. Meaning that the total amount due in 5 years will NEVER equal the 78 % LTV ratio. And, it is oddly designed to do that-on purpose. The 78 % LTV Ratio can NOT be achieved under the current terms due to the fact that the current value of the house is NOT taken into account, therefore the equity available does not count. That in turn means that NOBODY who borrowed under those terms will have enough equity to be free of the PMI. Therefore, we are stuck with the PMI for much longer than the XXXX years stated on the FHA criteriathat is unless I pay down an extra {$20.00} thousand-plus-dollars, which I can not afford to do. That is why the FHA rules are a well-designed scheme to saddle homeowners like myself with a PMI for longer than stated on the contract. What a horrible thing to do to consumers! I wonder if senators XXXX XXXX, XXXX XXXX and XXXX XXXX who are consumer advocates approve of this? My goal is to get consumer advocates involved as well as the CFPB officers to look at this scheme under scrutiny and hopefully abolish such predatory practices on hard-working, tax paying, American consumers. 
I have further documents/proof from XXXX XXXX, Nationstar and Mr. Cooper available upon request. 
I thank you all in advance for your help and support in this most important matter. 

In perpetuity, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked the bureaus more than once to investigate because I know per FCRA 15 U.S.C. Sec. 1681i ( a ) if the bureaus don't provide proof or investigate properly items must be deleted. They claimed to have verified XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) however its still on the report inaccurately even if oneday they decide to show proof of the debt they assume is mine. XXXX didn't even let me know they were even indeed investigating. It is against the law to report as they have for this account. It should be deleted immediately. 

The other acct is with transunion. They never once investigated " US BANKRUPTCY COURT ' I've requested twice. This need to be removed as soon as possible due to it causing issues with my approval rates for new credit. Per the Fair Credit Reporting Act, Section 616 ( a ), if you willfully fail to comply with the requirement to investigate my accounts, they are liable for damages of {$100.00} - {$1000.00} and reasonable attorney fees as determined by a court of law. I would appreciate it if they delete these account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. 
This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party. 

This is also a Notice exercising my rights to prevent the processing of my personal data by XXXX XXXX. Please be advised XXXX XXXX is in violation of The Fair Credit Reporting Act 15 Use 1681a ( e ) and! 5 USC 1681b ( c ) ( 1 ) ( a ). XXXX XXXX is also in violation of the Gramm Leach Bailey Act 15 USC 6802 ( b ) ( 1 ) ( a ) - ( c ) I the consumer was never given an explanation of how I can exercise that nondisclosure option. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS THE FDCPA AND FCRA.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX, XXXX XX/XX/XXXX, last 4 of SS XXXX, XXXX XXXX XXXX XXXX GA XXXX I have unauthorized credit inquiries on my credit report that are listed below. 

Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, and I have asked for investigation and evidence that I requested said inquiries with no response because there is no proof that these were authorized. 

I disputed these through this bureau and was told inquiries are a statement of record and not disputable.In fact with no proof of authorization then they are to be removed. I have also notified each company. Under the FCRA I am requesting these inquiries be removed. 

XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX  Inquiry from XX/XX/XXXX - XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX  Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX   Inquiry from XX/XX/XXXX
Product: Mortgage

I requested a bi weekly mortgage payment with quicken loans which began XXXX XXXX 2016 when I went on line to check to see that the payment was applied I noticed that as of XXXX/XXXX/2016 they had put the payment into suspense. When I inquired about it they told me that the payment would be applied on XXXX XXXX, 2016. I believe this is against the law as the payment should be applied effective to the date received. My call was forwarded to a XXXX XXXX at the executive office who initially informed me that this was disclosed to me, I said it was not, she subsequently rescinded that statement. I ask that the CFPB begin a regulatory inquiry into this matter, if people are paying on a bi weekly basis there payments should be applied that way.
Product: Credit reporting or other personal consumer reports

Experian is not following the law i explain to them that i have the right to opt out of having my information reported, i made them aware of the fair credit reporting act code 15 usc 1681a 2 specifically under the exclusions that a consumer transactions are not reported in the consumer report, i can opt out of having this account reported and i want to exercise my rights, i want the account to either be removed or change to on time, paid/paying as agreed the account im referring to is a XXXX XXXX XXXX account, from XXXX with several late payments, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, all in XXXX, Ive sent 2 complaints and spoke with 2 representatives and they keep updating the account inaccurately changing them to other dates and not removing them first complaint and letter was sent XX/XX/XXXX, this was after writing a complain online through there portal, after this I got a nother complaint no. On XX/XX/XXXX, then today XX/XX/XXXX I got an update with no change and an escalation no. And this is all
Product: Debt collection

City bank stated that I had a credit card with them I never had a credit account with this bank. When I received my home loan the mortgage banker even furnished documents to this bank that proved that this was not my account. Citi Bank has refused removal of this from my cedit reports creating a hardship on a XXXX.
Product: Student loan

During my time at XXXX, I took out federal loans for my education. Some of that time I was on academic probation due to my goal and was told to appeal for my loans. The full loans were taken out but I was only given a portion of the loans to cover school which is why I had to look in to private funding. Now it is reporting on my credit that I 've maxed out my federal aid and have to repay it. As of right now all my loans are serviced through Navient. I am paying for XXXX school out of pocket and will be liable for this debt after I graduate.
Product: Debt collection

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 COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Money transfer, virtual currency, or money service

I was contacted by a person that supposedly was helping me to set up an account with Coinbase and XXXX XXXX both real apps used to trade XXXX currencies and everything was fine as i was able to transfer funds to these applications directly from my bank, I initially transferred XXXX USD and started trading but this person keep asking to increase funds to have the chance to get better profits within every transaction then i have added another XXXX USD and they I did a wire for XXXX Usd on XX/XX/XXXX, to increase the funds, by doing this I was able to gain profits of XXXX USD, when i have reach this amount i have decided to withdrawal but after my submission de XXXX wallet team have asked to prepay taxes then I have processed another wire for XXXX usd on XX/XX/XXXX, to be able to prepay taxes as I was convinced that this was the only options to withdraw my funds bit once they have received the taxes payment now they are requesting another deposit for XXXX usd in order to get my funds withdrawal of course i am not able to do that and it seems that if i not deposit that money they will freeze my money for ever
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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

Please update my current address to : XXXX XXXX XXXX XXXX, NY XXXX Remove all previous addresses from my credit report.
Product: Debt collection

My identity was stolen and fraudently used to open this account please take is off of my credit according to the Identity Theft and Assumption Deterrence Act.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Before moving to XXXX XXXX in XXXX of 2012, I opened an checking account with Citibank in XXXX XXXX XXXX near my home. I opened this account because they convinced me that I would be able to use my XXXX account at ATMs in XXXX and elsewhere in XXXX. I deposited {$1000.00}. I moved soon after so never received a statement but I did receive an ATM card which I still have. I also have had a Citibank XXXX which I still use. 

I was not able to use the ATM card as they promised, in XXXX nor in XXXX where I now live. But when I attempted to link my Citibank XXXX to my checking account ATM, my phone conversation with a Citibank representative informed me that they had no record of my account ever existing. All I had was my ATM card number but I was never given a statement so I had no account number. They had no record of my account number even though they had issued the ATM card attached to the account. 

I traveled to the XXXX last XXXX and went to the same XXXX XXXX branch. The customer service manager named " XXXX '' first check the XXXX Found Money database to see if my money had been returned to the state, but it had not. She saw my ATM card number and said that they had paper records in the back room that they could go through, and would give me a call. I never received a call before I had to return to XXXX. I have tried calling the branch on numerous occasions but calls there are always forwarded to Citibank corporate, and they have no way yo connect me back to the customer service manager I met at the branch. So my money is gone and they have given me no recourse.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the inaccurate information from my credit report, despite multiple disputes and supporting evidence. This ongoing failure has negatively impacted my creditworthiness, causing financial harm and undue stress. I am seeking resolution to ensure compliance with the FCRA and to have my credit report accurately reflect my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, RE : REMOVE INACCURATE CREDIT INFORMATION Third Request I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 


XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account is closed and they are still sending emails and reporting negatively on my credit report without my consent
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a money transfer to a friend using the app Venmo, a PayPal entity. My Venmo account is linked to my checking account at XXXX XXXX. XXXX XXXX had, unbeknownst to me, placed a hold on my account to investigate a potential fraudulent transaction. Due to that account hold, my Venmo transfer failed, and as a result, Venmo froze my account. I was unable to move any of my funds in Venmo out. After speaking with customer service, I was told that if a friend sends me money using Venmo, it would unfreeze my account. I tried this and it worked. However, when I tried to transfer money to friends that I owed, the Venmo app denied my transfer and gave me an error that I was no longer allowed to use my XXXX XXXX account because of the previously failed transaction. I contacted customer service again, and they are requesting a copy of my bank statement so that they can review the statement in order to allow transfers to and from that account. This seems highly inappropriate and intrusive - that a digital wallet company should want to see my private bank statement without logical justification. Even brick and mortar banks would not ask for this due to a failed bank transfer- they would simply wait. a few days and try a third or fourth time. Venmo. has told me. I can redact any information I want except for my legal name, the bank account number, and one successful transaction after XX/XX/XXXX. First, I do not have the ability to redact that information. Second, even if I did, who is to say a curious member of their review team could not unmask that information. It's not right for them to ask me for my bank statement for an issue that wasn't my fault. Even if I was at fault, it's not an appropriate solution. Venmo should allow me to make a third attempted transaction using my XXXX XXXX account.
Product: Debt collection

I was contacted by a Debt collector ( XXXX XXXX XXXX ) on XX/XX/2018 for a debt owed ( XXXX ) to XXXX XXXX Payments. Basically there was a fraudulent purchase made by an individual using a XXXX XXXX account, in my name. I do not shop at XXXX and I have never opened this checking account through XXXX XXXX, so this must have been due to my identity being stolen last year, which is why I have a security freeze on my credit. I am working with XXXX currently in a dispute over the debt ; however they keep asking for more information than is required ( current bank information etc. ) and other sensitive information that makes them seem illegitimate. I have contacted XXXX many times, only to be given information that the case is being worked on, and there has been no status. The last time I contacted XXXX, they needed to open a " new '' case as they seemed to have lost my information. At this point, I am confident that this issue wont be resolved unless, they perform a charge off, and I take them to court as they are NOT able to validate this debt with my information, and in violation of Federal law. I will open a police report as well, as this organization and this debt are both fraudulent. 
XXXX XXXX XXXX Reference # XXXX Case : ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX TransUnion XXXX. Box XXXX XXXX, PA XXXX XXXX XXXX To Whom It May Concern, This is my second request first request report XXXX to have this information removed from my report. I got a response that I did not send the previous request along with some bogus excuse why this was not properly handled. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX, XXXX ) 2. ( XXXX XXXX XXXX XX/XX/XXXX ) 3. ( XXXX CA XXXX XX/XX/XXXX ) 4. ( XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Credit Inquiries by fraud through the following Companies on Equifax Credit Report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts with US bank. One of those accounts is a premier account. I use auto draft on all of my accounts. In XXXX when I set up the auto payment option on this account, for some reason it did not draft my account. I did not realize this until I received a letter from the bank. I have never been late on a bill ; my records with the bank and credit union will verify this. I immediately contacted the bank, brought my account current, and explained what had happened. After investigating my account, the bank manager saw where I had signed up for auto draft, and reversed my {$22.00} late fee. The manager also informed me to contact their consumer credit department via letter to explain what happened so that I could have the late removed from my credit report. I contacted them as instructed, but they chose not to remove the late. As a result, they sent me a letter indicating that my credit card limit would be reduced, and my interest rate increased. Also, my credit report dropped 45 points. Again, I have never been late with any kind of payment before, and this late was due to an auto draft error on their part.