23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I believe that per the terms of my real estate contract purchasing the property where I reside that I will be eligible to cancel my mortgage insurance in XX/XX/XXXX. I have contacted my current loan servicer - PennyMac - on two separate occasions, asking them to provide me with the information that I need to cancel PMI, but to date, no information has been provided. PennyMac has simply chosen to disregard their obligation to tell me exactly under what circumstances my mortgage insurance will be cancelled, and instead has repeatedly told me that I just do n't qualify at this time. The first letter I sent was in XX/XX/XXXX. PennyMac responded in XX/XX/XXXX with a letter that stated that I did n't qualify. I responded to their letter with a letter dated XX/XX/XXXX demanding that they provide me with complete information regarding how and when my mortgage insurance could be deleted, which was ignored. I wrote again in XX/XX/XXXX in anticipation of the approaching date when I could cancel my mortgage insurance. Once, again, in a letter dated XX/XX/XXXX, PennyMac did not provide me with any information regarding when and how my mortgage insurance could actually be cancelled, they basically just told me that I do n't qualify now, and that 's it.
I personally believe that this is an attempt on the part of PennyMac to deter me from not only cancelling my mortgage insurance now, but also to discourage me from inquiring about it in the future. It seems to me that they may just believe that if they simply continue to deny me, without providing detailed information regarding exactly how and when I can cancel my mortgage insurance, that I will eventually give up, and just continue to pay the premiums, maybe for many years to come.
Product: Debt collection

I was served papers that I was being sued by XXXX XXXX XXXX XXXX on XX/XX/XXXX. The only papers that I received was that I was being sued. I had no idea who the original creditor was. On XX/XX/XXXX I went to court in XXXX, PA at the Magisterial level. I was confused and not sure of why I was being sued. After XXXX XXXX XXXX XXXX attorney showed up ( a woman, I am unsure of her name because it was supposed to be XXXX XXXX, or XXXX XXXX that was representing XXXX XXXX XXXX XXXX, through Patenaude and Felix ), she showed me that the debt was through XXXX XXXXXXXX XXXX. I stated that I was positive that the debt was paid and was not sure the reason why I was being sued for the debt. The debt that the attorney showed me, {$2800.00}, was different than the highest amount of debt ever on my credit report for XXXX {$2700.00}, I was not able to prove that the debt was paid off already because I did not know what I was being sued for, before going into the courtroom. The XXXX found me guilty because I could not prove my case. I then went home and looked at and printed out my credit report. My credit report shows that my XXXX XXXX was reported stolen in XXXX, that the card was closed, and that there is no missed payments on that card. I filed an appeal as soon as I got all of that information together. I have been trying to contact someone in either XXXX XXXX XXXX XXXX or Patenaude and Felix to take the false information off of my PA docket information, willing to show proof of the card being paid and closed on my credit report, but they will not give me any information or papers to prove that the account was bought fraudulently on their end and that my account has been satisfied since XXXX. I am trying to buy a house and they are holding the entire process up, and there is a huge possibility I could lose the house because of these false records. Everything that they have about the account is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a few 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 to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
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 name : XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX Name : XXXX Account # XXXX, XXXX Name : XXXX XXXX XXXX Account # XXXX, XXXX Name : XXXX  Account number # XXXX, XXXX XXXX  XXXX 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 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

Accounts that should have been removed due to age. Accounts have been allowed to stay even though they are old. Company refuses to investigate this issue. They no longer seem to address the age of the account, but the last reporting date instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account now reporting with XXXX XXXX for a XXXX account showing that it opened in XX/XX/2018 and this is an aged account. There has been no service with XXXX in over 7 years. For whatever reason it keeps getting passed around and then reports new but the initial collections occurred over 7 years ago. This should not be listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX   XXXX {$14000.00} COLLECTION XXXX {$45.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Payday loan, title loan, or personal loan

I got a loan with this atlas credit in XXXX XXXX Texas I was paying on time all the time I was helping my parents out and have been having a hard time since I tried talking with the company the manager starts going off on me and talking down to me and so hung up called the DM even she was apologizing and told me pay what I could so I did but the harassment has been none stop my references have asked for them to stop calling them and they tell them they have the right to call as much as they want when they want too. My husband has asked them to stop coming to our house the woman said they can whenever they want and they call my work my boss has asked them to stop they will not stop at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXX XXXX XXXX XXXX FRCA Violation real estate loan late payment XXXX CARES ACT Violation personal loan late payments XXXX FRCA Violation other loans MOBILOANS LLC FRCA Violation hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX  inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. 
The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX I want the inquires removed
Product: Checking or savings account

I filed a claim in the amount of XXXX on XX/XX/2023 from a hotel double charge and they provided the credit. Fast forward to towards end of XXXX they randomly reversed the credit with no call, email, or nothing as to why they did. Wells Fargo also Reversed a credit of XXXX from a claim I filed due to my phone being stolen and transactions occurring on my account through XXXX XXXX. I called to understand why after all this time and after they stated theyd credit the amount and the claim would be closed cause it was in my favor. I ended up calling XXXX support as well because I wanted to know what evidence was sent to have them reverse the credit and they couldnt even give me any evidence or solid reason as to why. They told me the passcode is required to have access to send money or Face ID, which I didnt have Face ID on the XXXX and people are capable of hacking and scamming peoples information. Its becoming easier for people who commit fraud to access your information these days. If a customer goes through a situation where information has been stolen from them along with items and they depend on their bank to help them with money thats gone missing from their account and to make right cause they promised to help, then turned around to leave you in a predicament to have your account negative its dishonest. I chose to give banking with Wells cargo another chance thinking that circumstances changed but its still the same as it was before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to delete these unauthorized inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted/ mailed and a letter to these companies letting them know they were reporting inaccuracies/inaccurate information concerning late payments, I also requested validation of the late payments, and how they verified these late payments, over the past the past year I have made subsequent attempts to have these late payments reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

There are over 54 dark web scans on Experian and XXXX, also in 2022 they stated that I opened and account with XXXX XXXX and are constantly selling my information from collections to collections. They lied and stated they send letters and emails and never did, this needs to stop and I can't understand how a country in debt gets to tell citizens how they need to be more responsible, My personal information is used in more ways than one and I'm tired, these corporations are getting away with this XXXX time after time after time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX
Product: Debt collection

I keep receiving calls from Wells Fargo Home Finance indicating that someone named XXXX at my number needs to speak with them. There is no XXXX at my number and I 've had this number for 5 years. I 've received 17 calls in 7 days including weekends and I 've told them numerous times to stop calling me as I am not the person they are trying to reach.. This is ridiculous and they wo n't stop despite telling me they will stop stating " It takes time to remove me from their call list ''. XXXX it does n't. They pull up the record to my number and told me how many times they called me as soon as I tell them to stop calling me. This is carelss harassment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again 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
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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

I Applied for a Credit Card with XXXX XXXX XXXX. I was approved for XXXX. I Called up and asked them why my credit line was so low. The rep told me that she would see if I was eligible for a higher limit. she told me I was not. I then declined the credit card. On my credit report, it says that i Opened and closed an account. I disputed with XXXX and Equifax as well as XXXX XXXX and was told that I closed the account. 

At no time did the XXXX XXXX rep inform me of my rights or tell me that asking for higher credit line would Trigger me opening the account as well as pulling my credit again. XXXX sent me a letter telling me that they could not delete the account which I believe is false. I never received a card and never made a single charge. I have also filed a complaint with the NYS Attorney General. My credit has gone down over 50 points because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, TRANSUNION has violated my rights multiple times. 

15 U.S. Code 1681 section 602A. States I have the right to privacy 15 U.S. Code 1681 section 602A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

1 ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

2 ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

-They have proof of the actual order from original creditor XXXX XXXX XXXX being cancelled and refuse to remove it. Initially XXXX XXXX XXXX couldn't find the package that was returned, once I gave them the tracking number they found it they sent the corresponding order to XXXX to remove the collection, but XXXX refuses to. In previous correspondence letter sent to TRANSUNION they could not VALIDATE the account, therefore it should be deleted XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I may be involved in the Equifax security breach on XXXX XXXX. I will set up a fraud alert to be placed on my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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 instruction
Product: Mortgage

I am writing this letter because I am fighting to save my home .Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. The state court has ignored my pleas in Illinois circuit court case XXXX XXXX. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller and receiving a modification according to value of the property.
Product: Debt collection

Online women 's clothing company - MONROE AND MAIN - illegally opened an unauthorized account with a credit line of {$750.00} in my name. On XX/XX/2017 I received what I thought was " junk mail '' to find a bill for a past due amount of {$39.00} notifying me that it the account has been sent to collections!! I immediately called to dispute the claim, charges, etc. Following up on XX/XX/2017 I was told they 've closed account with XXXX amount due and are recalling the notice to collections. Please direct me regarding steps to ensure this is rectified and that it will not effect my credit. Sincerely.