23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2024 I submitted for valuation for PMI removal for my loan with XXXX XXXX XXXX XXXX and paid the {$900.00} for the assessment. The appraisal was completed on XX/XX/XXXX. I never received any additional information from XXXXXXXX XXXX XXXX XXXX and was notified my loan was being transferred to RoundPoint Mortgage Servicing LLC. On XX/XX/XXXX my loan was transferred. I immediately called Roundpoint mortgaged and the voice recording assured consumers any PMI requests for removal would be transferred with the loan. I followed up with formal emails XXXX, XXXX, XXXX and XXXX. Each time I called I was assured Roundpoint was waiting for paperwork from prior servicing company and it takes time for the transition. Finally when I called in XXXX, I was informed XXXX XXXX XXXX XXXX  in XXXX PA appraised for XXXX and PMI would be removed and PMI payment made since appraisal date would be refunded. After not receiving refund or further communication In XXXX, I called Roundpoint today and it was communicated PMI removal was being denied due to appraisal expiration. Despite my best attempts to explain how this is unethical and fraudulent practice the only remedy offered was to file for removal again. I have to imagine this is common practice with PMI requests for this company and XXXX XXXX XXXX.
Product: Credit card or prepaid card

I applied for the AVANT XXXX through XXXX XXXX around XX/XX/XXXX and was approved. They sent me an email congratulating me, informing me of my credit limit and telling me my card would arrive by mail within XXXX days. I waited weeks, and never received my card. I called several times and was told to wait until XXXX to have a new card issued to me. A new card was issued on XX/XX/XXXX and I called and was told it was mailed on XX/XX/XXXX ( which is a Sunday ) so I assume it was actually mailed on Monday XX/XX/XXXX. It has been XXXX business days already and again, no card. I have informed delivery with USPS and I see my mail a few days before it actually arrives. Its not showing up. They charged me the {$59.00} annual fee before I even used the card. I was able to activate it through their app, with no physical card by using my social security number. I chose to do this because I thought they had a digital version of the card available on their app but they dont so I cant even use it. I noticed after I called them a few days ago they charged me the annual fee even though Ive never use the card because I dont have it. I asked if I could have the card sent to me priority mail or Xpress if I paid for it and they said that they dont do that. Ive read several complaints on here about people never receiving their cards for months and I dont want that to happen to me so thats why I am submitting this complaint in the hopes that I will be able to get through to them and have them send me the card. I want to make it known that I really do want this card, I do not want them to cancel it or close my account because I am submitting this complaint. I am merely doing this in order to bring it to their attention because calling Customer Service is not seem to get me anywhere. Can avant or XXXX please contact me about my card and help me actually receive it?
Product: Credit reporting or other personal consumer reports

great significance concerning the inaccurate information presented on my Consumer Credit Report. This incorrect data has resulted in significant hardships for my family, leading to the denial of credit and challenges in securing essential resources for our well-being. 
These inaccuracies have directly resulted in the denial of credit, which has had a domino effect on our ability to obtain vital resources, such as a car for employment and a stable residence. 
Never Received Witten Communication via CERTIFIED MAIL. Vehicle wrongly taken up for XXXX 2nd time i believe a XXXX XXXX XXXX  was made but due to Not having knowledge of the law I was made to pay extra and interested increased.Deferment payments never accepted.
Product: Credit reporting or other personal consumer reports

I have obtain a copy of my credit report and the information contain on the report have major inaccuracies. I am demanding that you correct them immediately on my credit file. The following accounts/ items has been reported as late payments and according to FEDERAL LAW 15 USC 1681 ( A ) ( 2 ) ( I ) ( I ) ( A ) ( I ) States that information regarding transaction is not to be included on such CONSUMER REPORT.. Therefore you are in VIOLATION OF THE FEDERAL REPORTING ACT by reporting such transactions.. 

Please update my file to current never late. Please update my file within 5 days of receipt of this Correspondence or I will be seeking monetary relief for actual damages for WILLFUL NONCOMPLIANCE Accordance to the 15 USC 1681 ( N ) OF THE FCRA I have not supplied proof under the doctrine of estoppel by silence. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt.nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries that I did not approve. I submitted a complaint and the inquiries are still in my 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 were Never authoritized .
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 ( {$47.00} ), XXXXXXXX XXXX XXXX XXXX # XXXX ( {$390.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( {$2700.00} ), XXXX XXXX XXXX XXXX ( {$910.00} ), XXXX XXXX XXXX  XXXX ( {$560.00} ), incorrect name variations like : XXXX XXXX ( this is incorrect ) XXXX different addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Also phone numbers that do not belong to me : ( XXXX ) XXXX. Also Email addresses that do not belong to me : XXXX. All these accounts and wrong personal information being reported on CHEXSYSTEMS have 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: Debt collection

A debt validation letter was sent to Midland credit management on XX/XX/XXXX of XXXX  after a police officer served me a garnishment at my job. The garnishment had my name on it but the wrong address it was an address I never lived at. I also hired credit XXXX XXXX  to help dispute the collection as well.On XX/XX/XXXX of XXXX  the garnishment was considered closed via XXXX XXXX XXXX. Im disputing this matter because not only is the debt not mine but Midland credit management also committed a data breach. Midland credit management found my employers website and got the open email from there and proceeded to email my personal information as well as information regarding the garnishment. All XXXX employees receive that same email because we all have access, in doing so I later lost my job
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX, natural person am submitting this complain on my behalf, no one is helping me, i am going about this on my own, i have attached a copy of my id, & my dispute letters in pdf form I would like to also remind you ; you are in violation of 15 u.s. code 1681N
Product: Consumer Loan

My Experian credit report shows a write off on my Wells Fargo Dealer Services account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX as well as XX/XX/XXXX XXXX and XXXX XXXX. I have made repeated attempts to clear this up. The account was paid in full in XXXX XXXX with no late payments or write offs. The account was opened in XX/XX/XXXX XXXX for a 48 month car loan. I received the tile release and a letter stating the account was paid in full in XX/XX/XXXX. 
Now they are claiming write off? I have called and written Wells Fargo and they tell me they do not know. There is no way after sending a paid letter and a lien release that they would write off something in XX/XX/XXXX and XX/XX/XXXX.What car loan company send a title release when the vehicle is not paid for?
Product: Credit card

There were transactions that showed on my Discover credit card ending XXXX statements starting from XXXX of XX/XX/year> from XXXX XXXX XXXX that I did not purchase and authorize. I am not sure who used my credit card for these transactions. 
During the time these transactions were happening, I was preoccupied with a XXXX XXXX XXXX XXXX XXXX which required my full attention at the XXXX  This unfortunate circumstance led me to overlook the recurring charges, which I had neither authorized nor initiated. 
But I figured out that some fraud was happening with my account by end of XXXX, and I blocked my Discover credit card immediately. The fraud team mentioned that they will inspect and will get back to me. Potentially I got a new account number and got a new card by end of XXXX. But as you can see there were transactions that occurred even after this process ( Note : XXXX XXXX and XXXX ). 
After inspection the Discover team mentioned that these were manual transactions and that they have been recurring transactions and they were authorized even after the blocking the card and that they can not help anything with this fraud claim. 
But when I contacted the company through email, they mentioned that they never had any kind of credit card stored nor they have any kind of recurring transactions.
Product: Student loan

My XXXX debt is {$170000.00} and I am making monthly payments of {$1500.00} a month. I can not afford to live on my own ( living with parents at the age of XXXX ), I do n't know that this will ever be possible. {$60000.00} of that money at a 12 % interest, making it almost impossible to try decrease the principal. I make $ XXXX /year. I graduated from Univ. XXXX XX/XX/XXXX. I have tried to refinance my loans at lower interest rates but I keep on being told that I have too much debt to refinance - I have made all of my payments on time - I did go into forbearance for 9 months XX/XX/XXXX. Any help on what steps I should take next would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two Accounts on my credit report that is Not mines. 

Account # XXXX Auto Loan is not my debt I called the Dealership informing them that I am not responsible for this debt. And to furnish me a letter bearing my signature that I open this account and XXXX could not verify. I had no job in XXXX when this account was open. No credit. No bank account. No co signer documented for this loan. So there is no way I received a car loan for XXXX XXXX 

Account # XXXX Debt Buyer is not my Debt Open in XX/XX/XXXX- I have proof that I was XXXX the entire year of XXXX. 

Requesting to get these false inaccurate information Removed from my credit report. & I would also like to Update my address and name. Because there are addresses on my credit report that I have not lived at.
Product: Debt collection

JEFFERSON CAPITAL LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : XXXX Dear Jefferson Capital LLC , I am writing to you regarding a debt you claim I owe, which is listed under the above-referenced account number. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), and in particular, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that you provide validation of the debt in question.

To validate this debt, I request the following information : 1. Proof of the Original Creditor Please provide documentation that shows the full name, address, and contact information of the original creditor, as well as the full accounting of the debt.

2. Assignment Contract Provide a copy of the assignment or transfer agreement that demonstrates your legal right to collect on this debt. I want to verify the chain of ownership to ensure that the debt was properly assigned to you for collection.

3. Account Balance and Breakdown Please provide a detailed breakdown of the current balance of this debt, including the amount of the original debt, interest, fees, and any other charges that have been added to the account.

4. Applicable Statutes and Verification Please confirm the legal basis under which this debt can be collected and provide references to the specific state or federal laws governing this collection, including the statute of limitations applicable to the debt.

5. Verification of Reporting to Credit Bureaus Confirm whether this debt has been reported to any credit reporting agencies. If so, provide the dates it was reported and to which agencies. Under the FCRA, 15 U.S.C. 1681, inaccurate or unverifiable information must be corrected or removed.

Until this debt is validated as per my rights under federal law, I request that you cease all collection activity, including reporting this debt to any credit reporting agencies.

Please note that I will only communicate further about this matter in writing. Additionally, if you can not provide the documentation requested, you are required to cease collection activities and remove any negative credit reporting associated with this debt.

Thank you for your prompt attention to this matter. I look forward to your response within 30 days of receipt of this letter, as required by law.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX, Account Number : XXXX. 

By definition, a Charge-Off is Gross or Ordinary Income. So if it's categorized as Income, Gross or Ordinary Income, how is that Income being reported on the Consumer Report when the IRS says it's Income and you're supposed to file it with your taxes, whether or not you got the 1099c. 

That changes the Status of the debt. It's not debt anymore. It's Income. You don't file taxes on debt, you file taxes on Income. Earned, Gross or Ordinary Income. 

This is Income. Why are you reporting an inaccurate account? It can't be income and debt at the same time. How is this corporation going to report this as debt and it's not. 

So, now, you are furnishing inaccurate information. So what Charge-Off are we talking about? 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Vehicle loan or lease

I financed a vehicle with Car finance which was taken over by XXXX XXXX which they repossessed in XX/XX/2017. When they repossessed the vehicle they didn't give me any notice immediately after the repossession or receive notice before the vehicle to be auction or provide me with a statement regarding the sale of the vehicle which I had the right to know. I contacted them several times on this matter an has never received notice on this matter. I see in my credit report where the vehicles is listed with Carfinance in collection for 60-90 days late with an balance of {$16000.00} an also listed in my credit report with XXXX XXXX XXXX  collection charge off with an balance of {$16000.00} I don't think this is fair how they are reporting one car with two different company with two different amount owed. They are using unfair credit reporting action to me. They didn't respect my rights in repossessing the vehicle by informing me of their intention of just selling the vehicle an not giving me the opportunity to get the vehicle back.
Product: Mortgage

New REZ lack the necessary legal documentation, specifically a deed, and have not properly filed a satisfaction of mortgage with the city after acquisition of the loan yet they are charging me a mortgage and file negatively on my credit report. Consequently, this has led to the erroneous inclusion of various liens on my credit report and several leans on the property making it impossible for me to ever sell the property because the last XXXX mortgage satisfactions were not turned in.
Product: Mortgage

US bank foreclosed on my property XXXX XXXX XXXX XXXX XXXX Pa XXXXWith Illegal documents. this documents. were filed in the XXXX distrct court. 
thess dicuments were filed by the same person for XXXX diffrent banks XXXX being bankwrup. 
Argent and its sister company XXXX. please find with this complaint dicumentation of this from the XXXX Th Didtrict court. also finf out fated notery stamp used to ffile these documents.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies across multiple accounts. For example, XXXX XXXX reported incorrect late payments and conflicting repossession remarks, XXXX XXXX listed a late payment for XX/XX/year>, and XXXX XXXX inaccurately recorded late payments for XXXX and XX/XX/year>. Additionally, XXXX XXXX reported a debt without proper validation. 

I am requesting that TransUnion investigate these issues under 15 USC 1681i ( a ) ( 1 ) ( A ). Please be advised that I am requesting a full investigation, not an automated one. I expect thorough documentation of the investigation steps, including the individuals contacted and the findings.

Failure to comply may result in action against TransUnion for willful and negligent noncompliance.
Product: Credit reporting

I have a a unverified account from XXXX # XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. Have no recieved a follow up from the company. The was discharged through my bankruptcy and the account is still reflecting as if I currently owe the debt
Product: Payday loan, title loan, or personal loan

Company refuses to follow/honor Louisiana XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been disputing these XXXX  accounts since XX/XX/XXXX. For my friend using my information to get XXXX  loans. Also each XXXX  account shows incomplete and inaccuracies on my credit report. Which is a violation of the FCRA and Ive attached the laws below. My credit report inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Experian have yet, to do their job the correct way without relying on the furnisher or E Oscar system. Please investigate these accounts accordingly and delete these accounts from my report to avoid future litigation. Where are my results????? Showing validation of each XXXX  account? I asked for it XX/XX/XXXX with a certified mail receipt and again XX/XX/XXXXXXXX  and again XX/XX/XXXX. Because it wasnt provided within 30 days these accounts should be removed immediately. This is the exact reason, for the cfpb lawsuit against experian. 


Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes. 

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCES NAVIENT This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and y are required to remove any information that is not true, accurate, and verifiable. 

Please remove this inaccurate accounts and late payments that are inaccurately being reported & information IMMEDIATELY from my credit report and send me the updated report showing your compliance with all FCRA laws and XXXX XXXX  Reporting Standard. well as this account removed. 

15 USC Section 602 States I have the right to privacy. 15 USC Section 604 A section 2 : it also states a consumer reporting agency can not furnish and account without my written permission. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.