23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am having two issues with this company. One is that I  accidentally paid my property taxes when they are supposed to so the city has advised they will issue a refund to the mortgage company. I asked my mortgage company for a refund. No response. 

My second issue is that I have requested, in writing, for them to remove my pmi charges from my mortgage. I got an email that theyll address within 5 business days. No response since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

we contacted the XXXX XXXX  company in regards to the balance we paid off last year and they still haven't reported the paid off on the account.
Product: Mortgage

When I purchased my home in 2021, I was advised by you that I would be required to pay PMI until I had 22 % equity in my home. After the purchase I made improvements to my home the had an appraisal that confirmed I had increased the home value and had more 22 % home equity. 

However, when I called to request that my PMI be removed, I was told that I would have to pay PMI for the life of my loan. This is not what I was told when I purchased my home, and it is causing significant financial hardship to my family. We are struggling to pay our mortgage, and the PMI payment is making it even harder.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 or other personal consumer reports

My information was exposed in a data breach. Under 15 USC 1681 I need all inquiries and other items removed form my credit report.
Product: Credit reporting or other personal consumer reports

Recently checked my credit report and discovered hard inquiry that I did not authorize ( XX/XX/XXXX and XXXX XXXX  are the inquiry dates )
Product: Student loan

Navient finances  my Signature Loan which h as interest rates at 10 % ; the interest rates are variable and the rate is set by the lender. I spoke with a Navient representative some time ago to see how I could get an interest rate reduction, and I was told to enroll in the automatic payment program for a slight reduction in the interest rates. I 've always monitored my interest rates and while they are variable, they have always been constant at 10 %. I enrolled in the automatic payment program for the reduction after enrolling in the program for the first time over the life of this loan, the interest rose just enough to put my rates back at 10 %. I calle d Navient to req uest its interests rates for this term and the last term and I have not received that yet. I 'm concerned that my interest rates increased to keep my rate at 10 % and Navient therefore lied to me about the incentives of its program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and i haven't received any investigations results.
Product: Debt collection

STELLAR RECOVERY INC is trying to recollect a debt that has already been paid. STELLAR RECOVERY INC has been notified the debt has been paid in full but continues to try to collect and report it on my credit report. The debt was paid to XXXX and removed from my credit report XXXX XXXX 2015.
Product: Credit reporting or other personal consumer reports

**To : ** National Credit Adjusters ( NCA ) **Via CFPB Portal** **Re : ** Response to CFPB Case XXXX XXXX  Dear NCA Representative, Your response to my complaint is wholly inadequate and fails to address the critical issues of your unlawful and deceptive practices. Let me be clear : I will not tolerate violations of my rights under the **Fair Debt Collection Practices Act ( FDCPA ) ** and the **Fair Credit Reporting Act ( FCRA ) **. 
1. **Unlawful Reinsertion of Debt Without Notice** You acknowledge in your response that my account was placed into a **cease and desist status** and designated as **Call Attorney Only**. Despite this, you re-reported the debt on my credit report without providing the legally required notice under the FCRA. This is a direct violation of federal law and has caused unnecessary harm to my credit profile and reputation. 
If the account was in " cease and desist '' status, how is it lawful or ethical to re-report the debt without my knowledge? Your failure to notify me of this reinsertion violates my consumer rights and demonstrates either gross negligence or willful misconduct. 
2. **Failure to Provide Adequate Validation** The documents you provided do not constitute proper validation of the debt under the FDCPA. You are required to prove the following : That the debt is valid and accurately calculated. 
That you have the legal right to collect on this debt. 
That the chain of title for this account is clear, including documentation of the transfer from XXXX XXXX. 
Your request for **proof of payment** is inappropriate and an attempt to shift the burden of proof onto me. The obligation to validate the debt rests entirely with you, the debt collectornot the consumer. 
3. **Misleading Attempt to Conclude the Case** Your statement that " this information should bring this matter to a conclusion with our office '' is both premature and false. This matter is far from resolved. You have yet to : Remove the improperly reported account from my credit report. 
Provide full documentation proving your legal right to collect this debt. 
- Acknowledge and remedy your violations of federal law. 
DEMAND FOR IMMEDIATE RESOLUTION To resolve this matter, I demand the following : 1. **Immediate and permanent removal of this debt** from all credit reports with all credit bureaus.

2. Written confirmation that this account will not be re-reported in the future.

3. Compliance with FDCPA and FCRA requirements, including providing complete and accurate documentation proving the debt 's validity. 
If these demands are not met within XXXX*30 days**, I will escalate this matter. This includes filing additional complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my state Attorney Generals office. I am also prepared to pursue legal action for damages caused by your unlawful reporting and collection practices. 
I expect an immediate and satisfactory resolution to this matter. If you fail to comply, you will leave me no choice but to take further action. 
Sincerely, XXXX XXXX social Security XXXX
Product: Payday loan, title loan, or personal loan

I have tried my best to make payments as promised. I have asked this finance company to please not contact me at my place of employment and they continue to call and harass my co workers. I'm very tired of the harassment
Product: Debt collection

This company has attempted to collect a debt that is not valid. I changed cell services from XXXX to XXXX. The final bill and Early Termination Fees were to be paid by XXXX but this never happened.
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 : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Product: Debt collection

On XX/XX/2017 I checked my XXXX Credit report and this company out of nowhere appeared on my credit report from Conserve. Who ever this company is they did not send me any letter of this debt, which they violated my rights to dispute any debt that is in my name. I have never seen nor heard of this company until I got an alert of an collections on my credit report. This company violated my rights.
Product: Checking or savings account

On XX/XX/XXXX I went to my local Bank of America branch to deposit a {$48000.00} US government check. I have been a BofA client for over XXXX years and have several accounts. The teller told me funds would be available the next day. Later I received an email from BofA saying funds would be held till XX/XX/XXXX! I called their company twice to tell them this length of hold on a USG check is unacceptable. They suggested I go back into branch. I went back in on Friday, XX/XX/XXXX and manager chatted online with BofA clearance office who said check was being held for confidential reasons (? ). Manager said she would elevate and call me back Friday afternoon. She never called. Them holding my check is costing me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

over 3-4 months ago. I submitted identity thieft documents over to all the credit buerueas, XXXX, equifax, and XXXX. XXXX  and XXXX did the proper steos and blocks the items due to fraud. XXXX  and XXXX sent the same information overt, saying that the information was fraud and they block the accounts and inquiries from my credit report.Equifa is the only credit beureaus that has XXXX   from XXXX that has very poorly english and they wont do nothing about it. equifax ignors the documents that has beem sent which is my Ftc report, fcra block letter, Equifax block letter and a extra affidavit notrorixed by a notary which makes it legal by court and law. Under the fair credit reporting act section 605b I can request that these accounts and information be block due to fraud. they tottally crazy the amount of time they takes, the foreigners they use that cant speak english and all of the legal information that I sent to them and they have done nothing towards my credit report but send me copies of new credit reports without the information that i requested to block. I also submittet a affidavit notorized saying that 1. I hadnt recieve any goods.2 I didnt make any mistakes,3 I am not making a false report.4. this is a legalized document that can prosercute me under the laws of the united states of american if I'm lying.  Lastlying the FTC reports allows me to request that these items be block if i beem a victim of fraud and the items im requesting to block is a victim of fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
XXXX XXXX for {$2500.00} I have reached out to cashapp several times as well as filed a complaint with the BBB.
Product: Debt collection

CBCS IS TRYING TO COLLECT FROM ME A DEBT I DO NOT OWE AND I HAVE NO CONTRACT WITH CBCS FOR A DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed my Complaints # XXXX, XXXX, XXXX but when I checked it, I discovered that you have closed my complaints. Again, this is my 5th attempt that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. I sent letters to Bureaus on XX/XX/XXXX to remove these items but no response until this day. Please block the reporting of fraudulent items in my credit file that resulted from the alleged identity theft Per FCRA 605B ( 15 U.S.C. 1681c-2 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent investigation requests to Equifax and XXXX XXXX, asking them to investigate errors on my credit report. They are supposed to conduct investigations and respond back to me within 30 days. Today is XX/XX/XXXX, and neither have responded. Obviously, both agencies have taken too long.
Product: Credit reporting or other personal consumer reports

I recently discovered that an account was added to my credit report without my authorization. Under 15 U.S.C. 1681b ( FCRA Section 604 ), consumer reporting agencies may only furnish credit information for specific permissible purposes. 

I did not authorize the following account, nor do I find any legally valid permissible purpose that justifies its presence on my credit report : Account Name : XXXXXXXX XXXX Account Number : XXXX I disputed this with [ credit bureau name ], requesting verification of the permissible purpose under the Fair Credit Reporting Act ( FCRA ). However, I have not received proper validation, and the account remains on my report. 

This unauthorized reporting violates 15 U.S.C. 1681b, which restricts credit reporting to specific legal circumstances. If no valid permissible purpose exists, the account must be immediately removed to comply with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a verification request to Equifax and received no correspondence back. On XX/XX/XXXX I sent a second verification request to Equifax and received no correspondence back. On XX/XX/XXXX I sent a third verification request Equifax and mentioned how I have not heard back since XXXX and XX/XX/XXXX and have received no correspondence back. On XX/XX/XXXX I sent a third request to dispute my bankruptcy and mentioned the dates I sent letters and advised they have 30 days to respond and asked that they delete the information. I filed a CFPB report on XX/XX/XXXX and it was closed out on XX/XX/XXXX stating how the credit bureau will mail me their response. I received the credit bureau response stating how the public record information was received from XXXX and that they have verified the public record item is reporting correctly and for me to reach out to the bankruptcy court. Well I have reached out to the bankruptcy court and the bankruptcy court stated " the bankruptcy court does NOT perform any activities with the credit bureaus and how I would need to contact the individual credit bureaus for their procedure for removing the bankruptcy filing from their credit report ''. 

Equifax is well over the 30 days from my initial letters asking can they verify who they verified the bankruptcy through. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as mentioned below ) or can not be verified. If we look at the date of my letters and the date of Equifax response, Equifax is well over the 30 days they had allotted to respond. 

Federal law requires you to respond within 30 days, yet you have failed to respond within 30 days. I sent letters in XXXX and XXXX and I am just now receiving a response in XXXX. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. 

Please review the supporting documents I submitted reflecting the multiple times I reached out and received no response from you all. 

An actual letter I finally received from Equifax finally advising how they verified the Bankruptcy Please review the letter from XXXX  XXXX  that reflect they have deleted the bankruptcy from my account Please review the page that reflect XXXX  XXXX has removed the Bankruptcy from their file Please review the Bankruptcy court response. I have provided supporting documentation that further conclude that your investigation was done poorly. Please review each document very closely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield inc -tried to dispute inaccurate item XXXX XXXX XXXXXXXX -tried to dispute XXXX XXXX -tried to dispute XXXX XXXX-tried to dispute XXXX XXXX XXXX-tried to dispute
Product: Credit reporting or other personal consumer reports

After reviewing my report i noticed several accounts that i did not authorize and do not belong to me.
Product: Checking or savings account

On XX/XX/XXXX {$300.00} was withdrawn from American Express savings account for a secured credit card with XXXX XXXX. On that same day I withdrew my application for that product and intended to receive my funds back. 2-3 weeks later I spoke with both XXXX XXXX  and American Express and was told a letter of indemnity was to be sent to Amex and on or around XX/XX/XXXX. I was told multiple times after being shuffled around to different departments that the letter of indemnity was received and I would receive my funds back within 3-5 business days. I have now spoken with Amex four separate times and no one can seem to be available in the correct department to resolve this issue.
Product: Credit reporting or other personal consumer reports

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I applied the AMEX XXXX  XXXX  in XX/XX/2022 with XXXX welcome bonus points. After I met the spending requirement, the company only put XXXX bonus points in my account. I called on XX/XX/2022 and created a case and submitted proper evidence. No one followed up with me and I called back on XX/XX/2022 and speak with agent XXXX ( XXXX ) at XXXX XXXX XXXX. She told me the case was closed on XX/XX/2022. She says there is nothing she can do. This is misleading advertisement. I applied the credit card because they have the highest bonus points but American Express did not fulfilled the bonus.