23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have submitted requests on my online mortgage dashboard XXXX times this year ( see uploaded document " Screenshot of Document Center '', requesting that the PMI be removed. Each time I have received a denial letter. Please see most recent denial letter attached " PMI removal denial letter XXXX '' I do not understand why I am being denied as I meet XXXX 's criteria for removal ( having at least 20 % equity based on the original home value ). I also have an excellent repayment record as the monthly mortgage payment is automatically deducted from my bank account each month. 
I also qualify based on the information showing on my " dashboard '' when I login to their website, please see " Screenshot of mortgage dashboard '' although they have incorrectly listed the original home value as {$120000.00} it still shows that I have 20.6 % equity. Please also see " FINAL - Closing Disclosure XXXXXXXX XXXX XXXXXXXX '' where you can see that the original sale price was actually {$120000.00} ( not {$120000.00} ). Even so, I qualify based on either value : {$120000.00} less loan balance {$100000.00} = $ XXXX = 21.86 % {$120000.00} less loan balance {$100000.00} = $ XXXX = 20.62 % I have carefully read the denial letter and I qualify under the first stated criteria, but I feel that they are trying to force me into the more costly approach of getting the PMI removed based on the current market value which requires an appraisal. 

I have tried calling the customer service department but they tell me the PMI department does not accept incoming calls and I must wait 24 to 48 hours for a telephone call from a random number ( which they can not tell me ). Needless to say, I have not received a telephone call, even though I answered every random call received during the specified time period. I asked for confirmation numbers on both occasions that I called the customer service line and was given a combination of the customer service representative 's initials and the date I called : " XXXX '' and " XXXX ''. I am so frustrated. Please help!
Product: Debt collection

They contacted my personal unpublished cell phone about a debt from my brother who I have no financial interaction with. They claimed to be holding a court order for case # XXXX. Once my brother contacted them they pressured him to settle with them immediately for 4x the original debt or he woudl recieve a subpeona.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I challenged a XXXX Strong account with XXXX, XXXX, TransUnion, and with XXXX XXXX directly. This account is really old and should not be there anymore. It is months later now and I have not received any correspondence. So I decided to check my monitoring sites and the account doesn't even show that it's disputed. These companies have fully ignored my request to have this old account removed and it is simply unacceptable.
Product: Checking or savings account

XXXX / XXXX /  XXXX   LEGAL ORDER FEE DEBIT CASE #  XXXX  {$120.00} from  Wells Fargo.  Apparently, no funds were remitted to garnishee because there were no funds available after {$120.00} was deducted from my account. In fact, my account was overdrafted {$71.00}.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX 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
Product: Credit card

I loss my son back in XX/XX/XXXX. I have tried working with Kohls and they just closed my account on me even after I spoke with someone on the phone and let them know what was going on. So I mailed a letter on XXXX/XXXX/2015 asking that the phone calls stop and I get up to XXXX calls a day that I can prove if needed I will get a copy of my phone bill. The number call from ( XXXX ) XXXX ( XXXX ) XXXX I know for a fact once a company has received notice not tocontact by law they can not call you by phone anymore. I 'm getting these calls everyday. I want it to stop. I know they received my letter because on XX/XX/XXXX telling me to call the XXXX number to set some type of payment plan. I feel that they have violated my rights and thinking about looking into what my rights with the federal trade commission.
Product: Credit card

I consulted XXXX to consider taking my legal case. I was told that I needed to pay a retainer so the law firm would be able to take my case because they where pro bono to the max. After making payment, I suspected that the firm turned my retainer into an opinion letter with no real consideration on representing my case and notified the law firm that I already paid for an opinion letter and I was only interested in having my case represented. The law firm use bait and switch tactics presenting me an opinion letter with various errors and conspired to make me talk to their XXXX and used that as the sole reason to deny representation after the fact. I was told that I may have to pay fees to the doctor but I was never informed that I would have to talk to a doctor and the single reason my case would be denied representation could be based on just that fact. Additionally, the law firm invoiced me and went back and added more charges after the fact. The service that I was led to believe I was paying for was substantially misrepresented and converted into a fancy email with many material factual errors and when those errors where mitigated the law firm decided to fall back to the 30 minutes XXXX as the sole reason to shirk their duty. I was substantially led to believe my case needed to be evaluated so that I could be represented by XXXX when in fact XXXX only planned to rush an error prone glorified email report with no real intentions of representing my case using any means to reduce the merits of my case even though I corrected the majority of the discrepancies only to be denied from their internal XXXX report even though a retainer had been solicited. Retainers are generally used for the duration of legal representation in my opinion and this bait and switch tactics is not acceptable.
Product: Mortgage

My loan has been transferred now, but for two years Bank of America tossed me around with making home affordable pulling me in and out of trial plans adding all sorts of foreclosure fees. It wasnt until I began filing complaints and a HUD rep got involved and found many misconducts that it was fixed. Unknowingly I paid my mortgage every month, only they were n't applying it to my loan putting it in a separate account. After all was said and done they were supposed to correct the 20 month negative crediting reporting, that was in XXXX last year still has n't been fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING INQUIRIES ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been plenty of guidance from the president and the cares act and any covid guidance on collectors attempting to collect debt especially state guidance considering the furloughs and the lockdowns and the attempt to stop the spread of covid, and yet still this company put a negative remark on my collection report called the collection company is listed on my XXXX credit report, XXXX or some type of XXXX XXXX, ( because the one from the test said so ). i have so many records of experian and XXXX  and XXXX removing my negative or collection account just to see it be placed again under a different company name this madness has got to stop
Product: Credit reporting or other personal consumer reports

Experian has responded to previous complaint without including new information or providing proof of signed contract with XXXX XXXX XXXX XXXX as requested. There is no original debt listed on my credit report with XXXX XXXX XXXX XXXX nor original amount owed with XXXX XXXX XXXX XXXX listed on my credit report. I have disputed having any relationship or credit with XXXXXXXX XXXX XXXX XXXXXXXX multiple times as I have not recieved any correspondence with this company before. I dispute ownership of dept entirely. I require Experian to provide proof of original signed contract in order to prove ownership and they have failed to do so on multiple occasions. I requeste Experian remove this dept from my credit report as ownership has not been proven nor original contract with XXXX XXXX XXXX XXXX been provided to me.
Product: Credit card

On XX/XX/XXXX I checked my credit card transactions and noticed a charge of {$26.00} by XXXX XXXX XXXX XXXX that occured on XX/XX/XXXX. I reported the charge immediately with Chase and they quickly locked my account and mailed me a new card while they investigate. 

I heard back from Chase on XX/XX/XXXX that Chase has completed their review and decided that I am responsible for this {$26.00} charge because I " recieved benefit from this transaction '' and that they have closed the investigation. 

I have never been to XXXX XXXX XXXX  XXXX or used any of its services. I have no clue why or how this charge occured on my account.
Product: Student loan

I originally submitted all necessary PLSF documents to my previous loan servicer, which were confirmed and then transferred to MOHELA. Prior to the XX/XX/XXXX deadline. After the deadline had passed, MOHELA notified me that they did not have any documentation and I must resubmit all application information. This was completed on or around XX/XX/XXXX, with confirmation of fax receipt received. However, MOHELA then rejected and canceled these documents, noting them as duplicate, despite informing me that the documents were never received. I did not receive this information until I personally checked in XX/XX/XXXX. I called to resolve this issue and MOHELA insisted I use the online portal to resubmit all documents for the third time. This was done. However, on XX/XX/XXXX, my application was again canceled and determined to be a duplicate. I called to have this issue resolved and was informed that my account was actually being worked on, but MOHELA was unable to provide any evidence of this. MOHELA then stated that my application was being worked on since XX/XX/XXXX, but then were unable to explain why I was told that all of my documents were missing. When I requested escalation, I was placed on hold, then the call was abruptly ended.
Product: Checking or savings account

I am writing to formally address a matter of great concern regarding my Truist account, which was opened in XX/XX/year>. On the same day I opened my account, I made a cash deposit of {$9900.00} and activated my mobile banking. Shortly thereafter, while I was out of the country due to an emergency, my sister-in-law, also a Truist customer, transferred {$1400.00} into my account, which was processed without any issues. Additionally, a XXXX transfer of {$3500.00} from a friends XXXX XXXX  XXXX account was also successfully processed into my Truist account. 

However, despite these transactions going through without any dispute, I encountered issues when attempting to reset my password. I was locked out of my mobile app, and upon contacting Truist, I was instructed to come in person for verification in order to regain access to my account. Upon visiting the branch, I was shocked to find out that my account had been closed, and the funds were not being released to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY REVIEW MY CREDIT REPORT AND NOTICE A UNAUTHORIZED CREDIT INQUIRY IN MY EQUIFAX CREDIT REPORT ON XX/XX/2022 MADE BY XXXX  PLEASE REMOVE THIS IMMEDIATLY
Product: Prepaid card

Purchased Google XXXX gift card for {$10.00} from retailer XXXX on XX/XX/2023. Attempted to apply the card to my first Google account, it was denied because my Google account in question for some reason has payment function suspended. As an alternative, I tried it on my secondary Google account, this time it was denied because they required more information to allow redemption of the gift card. I filled out the form found at : XXXX XXXX XXXX Company then sent an automatically generated e-mail saying that due to inconsistencies, the redemption can not be fulfilled. I reached out to the customer service chat, and they likewise said that the decision is final and the card can not be used. There is no refund mechanism, no way to redeem the value of the cards, this is plain theft. Internet search will show numerous results of people having this exact same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

Old debt that was due to identity theft still showing monthly Charge Offs even after account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only applied for 1 credit card from XXXX XXXX XXXX on XX/XX/XXXX, and there should be only one hard inquiry but I find two. Please remove one of them.
Product: Mortgage

Selene Finance is the mortgage company that I have a loan with. 
I have been trying to get a loan modification with them. All documents were sent several months ago.They have used stalling tactics to keep our loan from reaching the underwriter. We have have documented date times and duration of every call and it is pure waste of time. 

It is as if these folks are not trying to help customer in need of mortgage assistance on purpose. All required documents have been sent. Yet they continue to string us along to this day as we approach the deadline for the file to be reviewer. 

When we ask for managers or escalations, we are dumped right back into the queue for calls to start over. We have been put on hold for infinite amounts of time. 

One of the supervisors name XXXX XXXX informed me that I would get a call back from the escalation team and no one returned the call. 
She claimed that she would write a letter of complaint of my behalf to the ombudsman and I explained that his would be a conflict of interest if such a department existed. 

Their business practices are very shady and how they handle customers is terrible. I feel bad for anyone who has to put up with the treatment they get. 

The level of customer service is terrible but the stalling tactics are in violation of many laws and this is why I decided to file a complaint here. I hope CFPB Can address these issues as I have documentation to support my claims. 

If you are dealing with Selene Finance, please logged date and times of all calls, names of people you speak to and their supervisors. There seems to only be one that keeps taking our calls.
Product: Debt collection

Harrassing calls and messages have been left at my job. I don't owe this debt. XX/XX/year> I requested validation of the debt from XXXX, the person I spoke with on the phone. On XX/XX/year> I received notification from experian that my credit score had been updated. My score dropped XXXX points because of this false debt that is not mine and has not been validated. I want it removed from my credit report. I have not had a sprint account in more than 7 years that account was paid in full, when I switched services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been reading up on 15 USC chapter 41 as it relates to credit. I understand that any transaction that arose from the use of a credit card must be excluded from my consumer reports. I also understand that a credit card is defined as any card or device use for the purpose of obtaining money, property, labor or services. I disputed these items OVER 30 days ago and my dispute was ignored which is a violation of the FCRA. 

The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit. 

Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. 

The following accounts need to be removed immediately : 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

XXXX XXXX XXXX CCOUNT DETAILS Account Name - Account # XXXX Original Creditor - Company Sold - Account Type COLLECTION Date Opened XX/XX/2020 Account Status! - Payment Status Unpaid Status Updated XX/XX/2020 Balance {$1900.00} Balance Updated - Original Balance {$1900.00} Monthly Payment Equifax and XXXX  put this on my report 3 times now just changed the name. 
law does not permit this without notifying me first within 5 business btw FTC violations sent the police report and ftc
Product: Checking or savings account

I am JP Morgan Chase customer for over 15 years and has banked at the same bank for XXXX years ( it was WAMU before Chase ). 

I deposited {$54000.00} check in person on XX/XX/XXXX at local Chase branch. 

The receipt provided had a statement that stated that according to their information the other account did nor have sufficient funds. That was a blatant lie. Chase put 7 business day hold on the deposit. 

I thought this is standard process and check will be released as soon as funds clear from my other ban account. BOTH BANKS ARE IN SAME TOWN WHERE I LIVE AND ARE LOCATED WITHING XXXX MILES. 

Hold was not lifted NOR my check was presented for payment to my bank. ACH should not take any time. 

I called chase bank and Chase rep. in my presence verified that check has cleared, however hold was NOT removed.
Product: Credit reporting or other personal consumer reports

This is a violation of 15 usc 1681a Transaction history is not part of a consumer report.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Product: Credit card

This complaint is directly related to the previous complaint under # XXXX. The latest statement from Synchrony Bank shows a credit of {$140.00}. Since I will not use or activate a new credit card and will never shop at Sam 's Club I requested in writing a credit to be issued to me but did not get any response. I want that particular credit to be returned ( credited ) to my XXXX XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and was riddled with anxiety  seeing a few inquiries that I did not authorize. I am working to get some credit and will be denied due to these errors being wrongly verified by the bureaus without my authorization.
Product: Credit reporting or other personal consumer reports

I distributed all outstanding medical bills on my credit profile with all three credit bureaus in which XXXX XXXX deleted all accounts but the same accounts Experian didnt. I also adressed the fact that my data been breached by Experian via customer service last year in months of XXXX XXXX XXXX XXXX to no avail!
Product: Credit card

I was divorced in XXXX. My ex husband had opened a citibank credit card in my name while we were married. He continued to verbally be responsible for the credit card and listed the credit card in the Marital settlement agreement. He changed the credit card number several times, but put an autopay on the checking account while we were married. After the divorce, Citibank turned me over to a collections agency. After submitting the info, I was directed to another collections agency in XXXX. My bank caught the rolling amounts being deducted and sent to a XXXX XXXX XXXX XXXX. My checking account was frozen and it wreaked havoc on my rent/utilities and other bills in autopay. 
I would like to be free of this debt, as I paid over 4 times the amount to Citibank.
Product: Credit card

I have been a loyal deposit and XXXX credit card customer at Navy Federal Credit Union since XX/XX/XXXX. During this time, I have spent over XXXX XXXXXXXX on my XXXX and consistently pay off most, if not all, of my balance by the due date. NFCU has increased my credit limit twice, and I maintain a strong credit score of XXXX. Yet, despite this positive relationship, NFCU continues to impose a five-day hold on electronic payments to my XXXX card from my non-NFCU checking accounts, citing the Federal Reserve as the reasonwhile they profit from the interest on my withheld funds. 

On XX/XX/XXXX, NFCU withdrew $ XXXX from my non-NFCU checking account electronically, and I was informed by XXXX, a supervisor at NFCU, that these funds will not be credited to my account until XX/XX/XXXX. Once again, the Federal Reserve is being blamed for this delay. Furthermore, they refuse to reimburse me for the interest lost during this hold period. This practice seems unjust, and I believe it should be addressed as a matter of legality and fairness.