23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Approximately XX/XX/XXXXXXXX  I requested to have my PMI removed. I received a response on XX/XX/XXXX, and requested a BPO. The XXXX XXXX contacted me came to my home and stated, " I shouldn't have any problem '' with the removal of my PMI as the value of my home has increased significantly and my significant upgrades. I received the XXXX report which I felt was discriminatory and lowballed the value of my property at {$670000.00} with {$20000.00} upgrades and the XXXX report had significant errors related to the description of my property. Fifth Third Bank stated that I needed to be at 80 % loan-to-value ( LTV ) ratio. My property was valued at a 78 % LTV ratio with the XXXX report but I was denied PMI removal because I needed to be 75.0 % instead of the " if the origination date of your mortgage loan is between 2 and 5 years from the date of your request, the current LTV ratio must be 75 % or less. Note : If you have made substantial improvements to your property, the current LTV ratio can be 80 % or less. '' No home in the last year that is equivalent to my home has sold for less than {$720000.00} in my neighborhood. I provided evidence of this significant lowball of my home value and that I am below the 80 % LTV ratio and my PMI should be removed. My initial appeal was ignored. I certified the request for a new XXXX based on discriminatory behavior and errors in the XXXX report. I contacted Fifth Thrid again and then received a case number from the president 's office who stated they received my complaint and were escalating my complaint to the proper department. I received a letter in XX/XX/XXXX stating that I have to send information I have sent Fifth Third twice already again because XXXX XXXX " must have the following information '' I already disputed due to the dispute in value which I already sent to Fifth Thirds XXXX. They are drawing this out for no reason. Fifth Third is declining to remove the PMI for no reason. They already said I am below the 80 % LTV ratio. They are just giving me the run around now to avoid removing my PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corporation is known for predatory lending. It has been 7 years since I've had an account with them ( XX/XX/XXXX ), the account is required by law to be removed. Credit Acceptance Corporation is still marking the " Closed '' auto loan as delinquent and has marked up the interest on the account +63 % of what the auto loan was originally for to this date ( XX/XX/XXXX ). I have been removed from any liability with this auto loan by a Arizona Superior Court Judge and will never make a payment on it. Last I checked, it is illegal to keep an item on a credit report forever. As of today it will be going on 7 years with each month a derogatory mark on my credit report. I am ready to go to court and settle this once and for all. 

I have disputed with Credit Acceptance, and all 3 credit bureaus with a response of " Account marked as accurate. '' With whom did they verify with? The creditor who has lost several lawsuits in the XXXX of millions for their credit reporting and predatory lending? That's invalid and doesn't hold water. After this complaint, I suggest that this be reported to the Arizona Attorney General 's Office to hold Credit Acceptance Corporation criminally liable for " Contempt of Court '', which is failing to adhere to the ruling of a sitting Judge.
Product: Payday loan

applied for loan with P N C financial, they required I pay for loan insurance after the loan was approved and prior to funds being deposited in my bank, after they recived my money they informed me I would need to make another payment to have my approved loan clear the bank, I said no, requested a refund of my so called insurance payment and was informed to make another payment to them and then they could get me a refund of my initial payment plus a payment to refund that payment, so they have XXXX XXXX dollars and tell me I need to pay more to get the refund of my money
Product: Mortgage

Hello, I am sorry to write again about Wells Fargo. 
I was in mediation with Wells Fargo mediator XXXX XXXX and an independent mediator that Wells Fargo paid for. 

XXXX XXXX information me that I applied for home equity over the phone and he has records of this. 
I was not happy with XXXX XXXX and I asked him for the person to speak with about his findings. He gave me XXXX XXXX name and I called her about this. 
XXXX XXXX wrote back to me that XXXX XXXX findings are correct and we did apply on the phone. 
XXXX XXXX from the same department as XXXX XXXX said that we applied online internet application. 
I want to do mediation again as XXXX XXXX was not been honest in his findings. 
There is a federal law against banks lying to customers. 

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

I have disputed this problem more than once with the credit bureaus and gave statements and presented documents and still no progress I have been paying this company for my car after it got XXXX they are reporting false information and they are not showing anything I've paid since the before the XXXX they are also reporting I have XXXX missed payment and that's not true if that was so they would have XXXX the car again the way the payment arrangements were set up by weekly and by weekly my dates went along with my pay dates I asked to split my payments in half and the amount we agreed on I paid for awhile and I called them and set up a different amount they agreed but they are still showing I'm not paying so I have negative marks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on XXXX XXXX XXXX status. I have rights under 15 U.S.C 1681. XXXX is govern by 15 U.S.C 1681. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : Attach is FTC # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus ( TRANSUNION, XXXX, XXXX ) have deemed a company as verified by the name of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my consumers report. I asked them to solidify their reasoning, which leads them to believe that a debt is owed by me to these companies or company. The credit Bureaus have lead me to believe that they conducted a improper and incomplete investigation into this. There are three different company names on each of the Credit Bureaus sites. Due to this incorrect information, it leads me to believe that they did a improper and incomplete investigation, without providing the original documentation requested.
Product: Student loan

XXXX XXXX increased my $ XXXX  monthly payment to {$150.00} with no notice, and will not allow me to lower the rate back down. I don't make enough money to pay that, and only want monthly payments of {$100.00} at a time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is fraudulent remove it immediately. Victim of identity Theft, see credit report statement. As of XX/XX/XXXX have not received any information about this collection reporting for XXXX on all 3 Credit bureau reports. 
This is a medical collections, this is being reported fraudulently. This is a HIPPA violation. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified? 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties.

I have never done business With Professional Finance Company Nor gave this third party debt collector access to my medical records. This is violation of federal law. 
Demand documentation on how this fraudulent Debt is being validated.

Validation of Debt and HIPPA Release Authorization. 
Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to Professional Finance Company.

Professional Finance Company collection has failed to provide any of above documentation had over 60 days to respond. Demand Credit bureau Remove this fraudulent collection before legal action is taken and HIPPA violation is filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter of Complaint : Refuse to Validate Debt Beginning in XX/XX/2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Equifax does not respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with Equifax claim  to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ XXXX XXXX XXXX ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law.

The unauthorized inquiry occurred as follows : .Inquiry by : [ XXXX XXXX XXXX XXXX .Date of Inquiry : [ XXXX XXXX, 2023 ] XXXXredit Reporting Agency : [ XXXX ] Under 15 U.S.C . 1681n, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : XXXX. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears. 
XXXX. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report. 
XXXX. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action.

I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages. 

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company. 

I look forward to your prompt response. 

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

I have tried contacting EQUIFAX several times. In addition sending professional letters to them with the things they have asked for. I.E ACCT NUMBERS AND NATURE OF DISPUTES. Every time they have made excuses saying I have not sent the information. When I have ALSO ATTACHED THE ACTUAL LETTERS SENT DETAILING THE NATURE OF DISPUTES AND ACCT NUMBERS AND NAMES!!!!!!!!!!!!!!!! Beyond this it has been PAST 45 days time for them to look into these matters and they have not.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I tried to link my XXXX XXXX  account to the Earnin app and it would not allow me to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am writing because my credit report is showing my credit history to be four months old. It does not show any past mortgage payments or home equity loan payments or accounts. Both are close now, but should be represented on my account for ten years. I have called repeatedly, only to be transferred from one associate to another, none of whom have spoken to each other, causing me to restart the process each time I have asked for a supervisor, with seemingly no greater knowledge or access to the information or remedy than the associate. This has caused me to be denied by creditors, despite them acknowledging my credit worthiness. Additional documents, and email correspondences to be forwarded at the convenience of the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX  XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX, XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a forbearance due to COVID-19. CrossCountry Mortgage reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster. 
Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved. 

Please help!
Product: Money transfer, virtual currency, or money service

I am using a PayPal account as a mode of payment for doing a buy and sell of XXXX XXXX. I did my first transaction and was waiting to receive the payment amounting to {$58.00} on XX/XX/2021, but my account was put on hold because they noticed that I'm a new PayPal seller. They had to review my account first and asked information about the transaction which I've provided them the details needed. On XX/XX/2021 my account has been restored. However on XX/XX/XXXX, after adding a debit card I immediately received an email saying that I can no longer do business with PayPal and my account was permanently banned.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a bank that is reporting on my consumer report with derogatory marks. I am a natural person. I am a consumer. I have proof that I sent XXXX XXXX a request for debt validation pursuant to 15 USC 1692g. I sent this out on XX/XX/XXXX. It has been over XXXX XXXX XXXX never responded or validated the debt. This means this debt is not valid. 

EQUIFAX is reporting this derogatory invalidated account on my consumer report. Pursuant to 15 USC 1681 Credit Bureaus must report with accuracy and fairness. Reporting a debt that was not validated is a violation of my consumer rights. They are reporting inaccurate information. This is also a violation of my privacy pursuant to 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

Hello, I received a call yesterday from " GP Services '', saying they were retained by XXXX XXXX XXXX XXXX XXXX to collect {$1200.00} on a loan that was not paid. They would reduce the total amount owed to {$380.00} if I agreed to pay otherwise, they would close this out and turn it back over to XXXX XXXX and they would begin legal proceedings and at that point, it would be too late to take advantage of the reduced amount and I would not only be responsible for the full {$1200.00} but my XXXX XXXX would take a big hit. 

I explained that I've never done business with XXXX XXXX and this was not my loan. She said that the loan is attached to my Social Security number therefore that makes me responsible. I asked for proof of me taking out the loan and she avoided providing the proof. I asked for her to verify my address, which she had correct and she had the last XXXX digits of my Social Security number correct. 

I called the number back to see if a real person would answer and the same person who called me did. The number she called me from was XXXX. She provided more details regarding the " loan ''. She said the original loan was for {$500.00} from XXXX. She did not get more specific than this. 

I told her I would not pay and that XXXX XXXX would need to take me to court and try and prove the loan was mine. 

I only received a call and nothing in writing from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking 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. Kindly update or remove the following items that are harming my credit : 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

purchased XXXX XXXX XXXX financed thru XXXX XXXX XXXX that was paid off in XX/XX/XXXX and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full. this is the 2nd dispute for this same issue with cfpd prior file should have all paperwork. will send again if need be.

Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

NAVY FCU has not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed inquiries in my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Consumer agency is violating my consumer right by using false misleading, misrepresentation and deceptive means.

This Consumer Agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting or other personal consumer reports

During a review of my credit report, I spotted some billing mistakes. The listed late payments are inconsistent with my normal payment habits. Please rectify these issues and update my account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a debt that was added to my credit report under a different name. It was under XXXX XXXX the first time, not its under XXXX XXXX. They did not send me a right to dispute letter, nor sent me validation of the debt. XXXX XXXX could not provide that information years ago. This was years ago that this was removed from my account. This is the second time Transunion and XXXX  has let invalid debt be put on my account. This is not a vaild debt. I asked for verification of this years ago. I had to file a complaint here to get them to take care of it the last time.
Product: Credit card or prepaid card

XXXX shows that my last payment was made on XXXX of XXXX. 
XXXX reports that last payment was made on XX/XX/XXXX of XXXX. 
XXXX claims that last payment was made on a different date, XX/XX/XXXX of XXXX. 
The XXXX credit beauros responded that they have verified and that the information is accurate but failed to send me copies of the documents used to verify this account
Product: Credit reporting or other personal consumer reports

This is my another 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are two different names reflecting on my credit report that arent mine or aliases of mine.
Product: Consumer Loan

They stated when i picked up the phone they were going to have picked up with a court order and they said if right now at this moment i do n't give the account number and set up arraignements they would take me to court.