23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am trying to get PMI taken off of my house. I sent the print off that Caliber sent me on XXXX XXXX/I overnighted it. I included a check for an appraisal and all of the improvements I have made on my home. Keep in mind, the paper I mailed back to them is the one they sent me when I inquired about PMI removal. After hearing nothing back, I opened a case with XXXX Caliber mailed me a blank paper just like the one I filled out. I filled this one out and sent it in again. I didn't hear from them for a week or 2 and then I received a check from them for the same amount as the one they cashed of mine originally. I kept receiving random letters from them, then I got one saying under Federal Rules, my improvements didn't apply. I did my research and this was incorrect, additionally, they never even sent anyone out so they wouldn't know. Days after this, I receive another letter asking me to send a check for an appraisal but this letter has a higher price than the first XXXX. The first letter they sent me asked for {$150.00}, and now this one is asking for over {$400.00}. It seems like they are doing everything they can to make this difficult and not allow me to remove PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXFORTIVA is showing the following inaccuracies Account Status : Derogatory for all 3 bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. 
Last Reported dates are not consistent XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Comments needs to be removes on all credit reporting agency XXXX is reporting- this account was part of a XXXX  XXXX ; wage earner plan account - never been apart of any bankruptcy. 

XXXX is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. 
This debt was never included in any in or discharged through Bankruptcy XXXX XXXX. 

XXXX is reporting- Account never involved in XXXX XXXXXXXX debt adj. 
Account never was transferred or sold Never Included in XXXX  XXXX Dates with last activity is all different for all three credit bureaus. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX
Product: Student loan

Mohela addressed the inappropriate interest capitalization event in which they capitalized {$100000.00} during the switch from old Mohela to new Mohela. I received an apology letter thanks to CFPB. In that time frame, I also asked them to revert my payment back to the XXXX value prior to the inappropriate request for income recertification. In XX/XX/XXXX they asked me for an income recertification ( the first request since payment pause in XXXX ). I submitted mine in late XX/XX/XXXX. The federal government then extended the deadline to XX/XX/XXXX. They also said ( see below ) that anyone who was inappropriately asked to recertify their income could cancel that increase and go back to their old payment amount. Mohela did not return me to my prior payment amount. Since XX/XX/XXXX, my payments have been {$400.00} a month more than they should be. I requested on XX/XX/XXXX that they revert me to my old payment before the inappropriate income recertification. Their initial response was that I did not fit this criteria. I read the policy to them. They still said no. Then I asked them to find their policy on it and read it to me. They read the below policy from the XXXX XXXX XXXX website. I said the policy applied to me and they finally agreed. Then they said they would need XXXX weeks to change my payment amount back to the old amount. There has been no change to my payment amount and no communication back from them. I have sent messages and called to no avail. 
Appreciate your help. 

Fed student aid explanation here : XXXX XXXX XXXX
Product: Mortgage

I paid Mortage in full XX/XX/2021. I received notice from lender of auto debit on XX/XX/2021 for account paid in full. 

I reached out to the lender put my information in and the call goes silent. 
No one answered my calls I called XXXX XXXX department only to send me back to Carrington. 

XXXX XXXX  would not stop the auto draft payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do ask in light of the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. 

I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX  XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on FINANCIAL ASSISTANCE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Asses this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.
Product: Credit reporting or other personal consumer reports

Pro collect debt collector has improperly reported a debt to a credit reporting company without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ) never sent debt verification or validation letter back in 2021
Product: Credit card

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : In compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that TransUnion remove information from my credit report within four business days that has resulted from identity theft and fraud. The false information includes a personal credit card account opened at XXXXXXXX XXXX XXXX on XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX  on XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  XXXX XXXX, XXXX under the account number XXXX, and a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have led to several fraudulent hard inquiries and collections on my consumer FICO credit report. Enclosed are a list of these hard inquiries and a copy of my FICO credit report showing the fraudulent items. I do not recognize these accounts or inquiries. They are all the result of identity theft. For proof, I have attached a copy of the FTC Identity Theft Complaint # ( XXXX and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX BANK XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and notice that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information the best of their ability with Maximum accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citibank advertised a non-targeted promotion of opening an account package ( checking and saving ) with required activities ( see attached photo ) to obtain a {$400.00} cash bonus. On XX/XX/2018, I opened the account package in Citibank XXXX XXXX XXXX XXXX with a banker ( XXXX? not sure about his last name ). On XX/XX/XXXX, I completed all required activities ( make a deposit of {$15000.00} new money and maintain it for 60 days ). Citibank said the bonus will be paid in 90 days, which was expected on XX/XX/XXXX. However, it was not received. So I went to the same branch on XX/XX/XXXX and was told that XXXX has left the branch. Another banker XXXX XXXX filed a case and told me the bonus will be received in 14 days. Nonetheless, I still have not received the bonus so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD MORNING, EXPERIAN, XXXX, AND XXXX has not properly conducted an investigation regarding a negative account on my personal credit report. On XXXX XXXX i certified mailed off a letter ( Experian Certified # XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX ) requesting documentary proofs ( the hard copies ) and evidence of the alleged debt being claimed against me. 
The account is : XXXX XXXX XXXX XXXX .... 
I unfortunately still have not received any hard copy documentation proof that i originally requested. I stated if unable to provide proof, please delete the account completely and immediately. I appreciate your time in this matter and i'm able to provide any and all additonal information needed to resolve this issue correctly.
Product: Credit reporting or other personal consumer reports

My mother and I signed a lease for XXXX XXXX XXXX  on XX/XX/XXXX thru XXXX. I contacted the office via text message requesting to extend lease to month to month. Due to I XXXX XXXX XXXX on XX/XX/XXXX and was relocating to XXXX Texas in XXXX or XXXX for work. I was informed by a reply from office manager that would be ok to extend to XX/XX/XXXX. On XX/XX/XXXX we were completely moved out of unit emailed property management keys were dropped off at office. They replied thank you. I received a collection letter from Hunter Warfield demanding rent for XX/XX/XXXX. My mom disputed charges to Hunter Warfield and credit bureau. Charges were removed from her file but not mine. They are stating I owe {$1500.00} due to text message that manager agreed to. I never extended a lease with a signature.
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX 

Account Name : XX/XX/XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX WA # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

***Please see XXXX CFPB Complaint - XXXX XXXX ; as the formatting of the complaint is not retained in this 'box '. *** XX/XX/XXXX I am concerned that I am being treated unfairly, with regard to a personal matter on my Citizens checking account in XXXX, due to my affiliation with the financial industry. I currently have derogatory reporting on my credit report from a XXXXXXXX XXXX XXXX and I am convinced this is due to a bank error by Citizens. I have attempted to work with Citizens and XXXX since XX/XX/XXXX, to have this corrected. XXXX has agreed to correct the matter, but Citizens has been less than helpful with resolving this issue. 

I am attaching documents showing my interactions with Citizens and XXXX between XXXX and XX/XX/XXXX. The last interaction I had with Citizens was a phone conversation with assistant manager, XXXX, where I was informed that there would be no further review of my concerns ( since the previous colleague researched the matter ). She also advised that my request to have the {$20.00} return fee, that I was assessed from this issue, refunded was denied. 

1. Why am I being told that it is not possible for the employee who worked my case to have made a mistake, when their job is to help customers resolve complaints and potential errors? Also, I was provided with 3 different response letters and all of them contain inaccurate and incomplete information, as well as typos and grammatical errors. In my opinion, if a thorough review was completed, couldnt those type of mistakes be avoided? 

After I provided the letter dated, XX/XX/XXXX, to XXXX  they denied my request due to Citizens saying I reported the transaction as UNAUTHORIZED. This situation has been extremely frustrating and I would just like to get it resolved. I informed the Bank, multiple times that I AUTHORIZED XXXX  to debit money from my account, but they took out the wrong amount. 

2. Why does the definition of XXXX  XXXX, on the CFPB website, have the below definition of an unauthorized transfer, but Citizens has a different interpretation? 

The transactions appeared to be separate complaint types when I was entering this complaint on the CFPB website. 

Per XXXX  XXXX, on that is not the case. ( m ) Unauthorized electronic fund transfer means an electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 




***I am providing the link to the CFPB website, which contains the information about EFTs. https : XXXX Please note, the aforementioned link is for the version of XXXX XXXX, that was in effect from XX/XX/XXXX, to XX/XX/XXXX, which covers the period when this situation occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was 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 information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX  XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Chase offered XXXX bonus points on my Chase Sapphire card for opening a checking account with Chase and depositing {$75000.00}. 

I opened an checking account and deposited {$75000.00} there. 

In XX/XX/2019, I received an email from Chase stating that I will see the points on my next statement. 

I never got my points. 

I have called Chase probably 10 times, each time spending 20 minutes to 1 hour on the call. In addition to calling Chase, I have also called, and spoke with, the branch manager where I opened my checking account. The story they told me is as follows : ( 1 ) initially Chase mistakenly credited the points to a different credit card of mine -- a credit card that was not set up to get points. ( 2 ) then, they credited the points to an old account of the right credit card ( I had to get a new card because of fraud ). For some reason, the points were not transferred to the new card. 

Chase 's " research department '' started the " research inquiry '' process at least three times and each time erroneously closed it before talking to me and before resolving the issue. I have their phone number but they never pick up the phone and never call back.
Product: Credit reporting or other personal consumer reports

The Hard inquiries on my account were not authorized by me and i need these removed immediately. I have spoke to the credit bureau 's who refuse to investiagte and/or remove these inquiries. I am aware of the data breech and this has impacted me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

In a matter of days, I was the victim of fraud in the amount of {$6600.00}. I have no affiliation with the charges and or companies involved in any capacity. My history of 30 plus years as an established member of this bank should reflect this. I have spent countless hours on phone with bank and many visits to my branch. The only result is to call the same fraud number. I have been transferred and on hold for numerous hours to be sent back and forth. The bank would not reopen or file a new claim and sent a disapproval letter. 

This fraud occurred as payments to these said various companies, 29 transactions in 3 or 4 days. This was on my Bank of America Mastercard. I have filed a police report with bank transactions before, during, and after the fraud occurred from this account. I have filed an identity theft report, notarized. I have followed instructions per identity theft instructions by freezing my credit with XXXX, XXXX and XXXX. I have certified mailed the above documents including copy of driver 's license, proof with my name and address on utility bill to bank address per disapproval letter. 

I am not paying anything as I fear it would be an admission of false charges! These charges were made as large payments to these companies in large steady payments in DAYS. I am now receiving late fees and my credit score, and life and time are being very affected by this. 

I don't understand why my bank will not support me and dig deeper to correct this. I am at a complete loss as of what to do. I will have to make another report with attached documents as I am having trouble attaching them. I am not as experienced to do this until I get help.
Product: Debt collection

To whom it may concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. 
The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX. 
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am now instructing you to cease collection of the debt ; you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. You should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 

I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. 

THIS IS A THIRD PARTY COLLECTION COMPANY THAT HAS DELETED THIS ACCOUNT FROM MY HUSBANDS CREDIT AND NOW TRYING TO SCAM ME. I HAVE NEVER LIVED IN THE STATE OF WASHINGON. YOU DONT HAVE LISCENSE TO COLLECT IN WASHINGTON OR SOUTH CAROLINA . 

YOU ARE NOT PROPERLY REPORTING THIS ACCOUNT AND DAMAGING MY CREDIT. THE GA STATE ATTORNIES OFFICE HAS BEEN NOTIFIED, AL WELL AS THE CFPB AND FTC
Product: Debt collection

On XXXX XXXX, someone called from XXXX and said her name was XXXX and she was with Credit Management Company, which is a debt collector. We asked her to send verification of the debt and to stop all phone calls in the process. She was very rude and said " We 'll keep calling ''. They have never sent any verification and every time I refuse to give them sensitive personal information, they get extremely rude. I have recordings of calls asking them to stop calling and send verification. They just do n't. They have never sent a single piece of mail to us and wo n't provide an address.
Product: Vehicle loan or lease

In 2012 Hurricane Sandy had totaled my truck. I was told that my insurance at the time, XXXX, had paid out the value of the truck and the GAP insurance would cover the rest. In 2012 I also had a XXXX XXXX so I took the information as fact and never followed up to make absolutely sure the balance was gone completely. I just had my credit pulled and it is saying they had charged off a balance on the account. I just called them to try and tell them what the situation was but they just wanted the balance and wouldn't acknowledge the fact that I had GAP insurance at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the CRAs to take off old information, as XXXX now says that 3 year old information can be removed. I have been paying off my debts and cleaning my record. A woman at XXXX got mad at me and has since been destroying my credit information. She has been refusing to remove old information of delinquent payments, my loans that I just payed off have been completely removed from my history. Some paid items are still being reported as unpaid. XXXX is on my report with an old debt and the date is being shown as current and neither will remove the debt. Also every few days my score is dropped for no reason. It just shows XXXX points removed. Since my complaint, my score has dropped XXXX points and nothing has changed. They are systematically destroying my credit on purpose because I complained. They speak to me unprofessional, and are using their position to destroy my credit. Their behavior should be investigated federally.