23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am contacting you to report a mortgage company, Zenith Financial of taking advantage of my XXXX-year-old mother XXXX XXXX and myself. They broke multiple federal laws including the XXXX XXXX XXXX.
Product: Mortgage

Every year my servicer, Select Portfolio Servicing ( SPS ) sends me a letter about my PMI. The letter clearly states that under the Homeowners Protection Act that I can request for my PMI to automatically terminate at 78 % of the original value. Since I have hit that mark, I have attempted twice for them to drop it. Each time I'm told that I need to pay for an appraisal of the property, which is against that their letter states. An appraisal costs ~ {$600.00} and I pay $ XXXX/mo in PMI, so the break even point is not enough to pay for an appraisal. 

I've attached both the Annual letter they send regarding the PMI, and the denial letter telling me they never received funds to pay for the valuation. 

Should the PMI drop off at 78 %, or do they have the right to require that I pay for an appraisal?
Product: Money transfer, virtual currency, or money service

I am filing this 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 their platform, leaving my account vulnerable and unprotected. Further more, 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have tried multiple times on various days to get my credit report from Experian and each time I get an error message saying : " We are unable to process your request. We've been notified and will actively work on fixing the issue '' ( see attached screenshot ). 

I have also tried to contact Experian through their customer service number XXXX and followed all the voice prompts to get my credit report by mail, yet again the process stops short and doesn't allow me access to my report.

I am therefore unable to get my free credit report from Experian as they do not have a working process that allows me access to it. I have not had this issue with XXXX XXXX or XXXX, its just an ongoing issue with Experian and I would appreciate any assistance to get it resolved. 

Thank you
Product: Debt collection

I looked over my credit file and account need to be removed Navy FCU
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Bank account or service

I have spoken to 3 employees of Associated Bank on XXXX, XXXX. The bank has offered to share the attorney fees but refuses to do anything to repair the late payments they have placed on my credit rating. Until this issue, I have NEVER had a late payment listed on my credit. 

RE : Equity Loan Plan Account Agreement and Mortgage Note Loan No. XXXX Yesterday, I learned for the first time that my home equity account was past due because Associated Bank cancelled my scheduled automated payments that amounted to 2.5 times the minimum payment amount in XXXX XXXX. Associated Bank has retained a collection agency ( XXXX XXXX XXXX, XXXX XXXX, WI ) to foreclose on my home without contacting me concerning the stoppage of payment which Associated Bank admits they are responsible for. These payments have been in effect for over 3+ years without issue. 
Due to Associated Bank stopping the payments, I am now being asked to pay considerable late fees, attorney 's fees, etc. in the amount of {$1000.00}. My credit rating has also suffered a XXXX point reduction due to this issue ( XXXX in XXXX XXXX, current XXXX ). 
It is my believe that Associated Bank had a responsibility to notify me in a prompt manner ( XXXX or XXXX XXXX ) in order for me to resolve this issue without fees. Associated Bank failed to do so which has led to the current issues. Once notified ( XXXX XXXX, XXXX ) I immediately contacted XXXX XXXX ( XXXX ext XXXX ) to resolve this issue. Associated Bank wishes to hold my home as ransom to force me to pay all fees. I have offered to pay all back payments and late charges ( {$600.00} ) and even attempted to online pay the amount of {$600.00}. In order to resolve this matter I am willing to split the attorney fees of {$890.00} with Associated Bank if they agree to restore my credit to its level of XXXX XXXX. Associated Bank via email yesterday has given me until XXXX XXXX, XXXX to pay ALL fees or they will continue foreclosure. I have also been informed that a supervisor ( XXXX ) would contact me. This has not happened 24 hours later. 
If Associated Bank does not contact me to accept my offer I will pay the amount of {$1600.00} as required by XXXX XXXX, XXXX. I will then begin legal action against Associated Bank to have returned all fees and for {$3000.00} for the damage done to my credit due to Associated Banks actions. I have tried to be fair with this issue and have not even been given a chance to be heard.
Product: Vehicle loan or lease

Yes on XX/XX/2021 I traded in my XXXX XXXX on a XXXX XXXX XXXX and they decided to not move forward with the sale and told me 5 months later they will be trading me my car back in exchange for that XXXX back I agreed they came took the XXXX months ago and left me rideless because they sold my XXXX instead of not giving it back so they done won more then they bargain for I'm not paying for something I don't have I'd rather have of had my car back as well but no
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have notified all three bureaus that I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  gave me a credit card if I bought a new XXXX XXXX phone which I did not want. Now they are dunning me for payment. I put the purchase in dispute and answered their questions but XXXX refused to take back the phone claiming it was too late to be returned but it was not suitable for me to have it. Now, I reported this to Transunion and they never put it on my report that this charge is in dispute and are dunning me for payments for XXXX XXXX. So the two of them are doing this telling me how my score is lowered but if you return a thing to XXXX, I should not be charged for the purchase. I returned my XXXX XXXX  to you to return to them. 
I did not want the phone but XXXX insisted I buy it to please XXXX. 
It did not work right in the beginning and overheated. i just wanted XXXX to take it back. XXXX refused to take it back but i did not have it that long. The Transition  still refuses to put this on my report that this charge is in dispute and keeps asking me to pay XXXX when it is in dispute. 
The Transunion is supposed to put that on my credit card that this charge is in dispute but refuses to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT. I CANT BELIEVE WHAT I SAW. I HAVE STUDENT LOANS AND IVE NVER ATTENDED COLLEGE. THIS IS HURTING MY PRFILE TREMENDOUSLY. THIS IS A VIOLATION OF MY RIGHTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS. I ALSO HAVE A MEDICAL BILL FOR MEDICAL SERVICES I NEVER RECIEVED. PLEASE HELP ME FIND A SOLUTION TO REMVE THESE ACCOUNTS FRM MY PRFILE. 
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Product: Credit reporting

I have lived in the same place for over 12 years every year i ask EQUIFAX XXXXXXXXEquifax Information Services LLCXXXX XXXX, Georgia XXXXi never had a problem with the other XXXX credit reporting companys just equifax for 12 years at the same address refuses to give me a copy of my report
Product: Student loan

I spoke with someone who said they we an ombudsman and they refused to give me the information on how to submit an official request, they refused to consider my verbal request, they refused to give me information on an appeal process and only wanted to explain what I already knew, that this is federal a loan with simple interest. 
I don't care what type of loan it is. I only care that my request for how to get information on getting interest reversed or appeal some decision I never received notice of could be filed!! How can a decision be made and final without a notice? How can someone say they are an ombudsman be so rude and not help the student loan recipient? 
I applied for the SAVE program before my son who is with a different loan servicer and they reversed his interest without being asked, AND sent him a notice that they were doing that! I XXXX XXXX XXXX  to hundreds of people a month, why can't someone be kind to me for a moment? I'm a XXXX XXXX XXXX  giving back, why aren't the Billionaires paying their fair share? A few XXXX dollars for me is food on the table, for them it's parking the 3rd jet. At their 4th mansion.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

To whom it may concern ; I write to you to explain a situation that I find myself in. 
Back in XX/XX/XXXX I was about to refinance my home loan. I bought my in XX/XX/XXXX, and not knowing what was going on they gave me a 1st, and 2nd mortgage, I payed my bills on time as I am supposed to, but since XX/XX/XXXX my second mortgage has been resold 3 times. Back In XX/XX/XXXX as I was getting ready to refinance my I was diagnosed with XXXX. And was out of work from XX/XX/XXXX to XX/XX/XXXX. I used up all of my savings to keep paying my bills, but I got behind from XX/XX/XXXX till XX/XX/XXXX as of now. I talked Ocwen about a refiner but they only offered me a modification loan. now I have payed my loan down to only XXXX and Ocwen sent me a modification statement where I was going to have to repay XXXX and have a ballon payment at the end of the loan of XXXX I told them that was insane I would basically be starting over on a loan that I have been paying on for 11 years. They told me I had to pay {$630.00} dollars by XX/XX/XXXX so I did that and I never heard back from them till I called them in XXXX XXXX, they agreed that no one had gotten back with to find out where I was with my loan. 
Then at XX/XX/XXXX I get a letter from XXXX that they have sold my 2nd mortgage to another company, that loan was down to XXXX dollars, now this new company is telling me that I have to pay XXXX dollars now for this new loan. It 's like every time I pay the finance charges on this 2nd mortgage it gets sold and I have to start over again with a new company. At this rate I would never pay this loan off, it just seems so unfair and no one else will refinance because I 'm behind, and Ocwen is telling me that they will not except any monthly payments until I pay the full XXXX to get the loan caught up. I do n't know what to do????? Where to turn, I feel like I 'm trapped in these loans with no hope of ever paying them off. Is there any help for me other than just walking away from these loans. I want to keep my house I have put a new roof on the house and in the process of replacing the old windows with new vinyl windows. And a lot of work on the out side that was covered up with putty and thick paint to hide all of the trouble spots when I bought this house and 11 years later they showing up big time. Any advice? What is my next move. My address is XXXX XXXX XXXX in XXXX , South Carolina . XXXX, my phone # is XXXX, and my email is XXXXXXXXXXXX please give some advice. Also I have been back to work since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry from Equifax on my credit report. I did not make this request and want it removed immediately. I received this from XXXX XXXX XXXX, XXXX. Thank you for your interest in a XXXX XXXX XXXX. At this time, we're unable to approve your application. 
We're unable to approve your application for the following reason ( XXXX ) : Unable to confirm your application request per your credit report victim alert Important information about your credit report Please note, our decision was based in whole or in part on information in a report from the following consumer reporting agency ( or agencies ) : Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX equifax.com So my question is why did it go through if I have the victim alert on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute in with Equifax. Confirmation XXXX. It was submitted in XX/XX/XXXX 2017. It is still in " Pending '' status. When I try to contact Equifax over this, they continually state my credit report does n't match my file and I need to contact them over the phone. I can not contact them. The call remains unanswered, or when transferred, remains unanswered. I just want the Confirmation XXXX resolved. Thanks.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have sent 2 letters challenging the accuracy of this account one on XX/XX/XXXX and the other on XX/XX/XXXX, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. This account has 3 different dates last payment XXXX  has XX/XX/XXXX, XXXX  reports XX/XX/XXXX and XXXX  XX/XX/XXXX. How can the creditor have verified the different sets of information? 

You have violated my rights under FCRA with a failure to place this items in dispute and to conduct a proper investigation. This information is both incomplete and inaccurate with three entirely different pieces of payment history reporting. I demand it be deleted immediately.
Product: Credit card or prepaid card

In month of XX/XX/2018 i have asked for a credit line increase for CITI Double case credit card. and i got a line of increase upto {$5000.00}. i am making my payments regularly never missed a payment for my any card and today i was checking my credit report i can see 35 points down in my credit report, upon checking found that i was having 2 CARD from Citibank 1 ) is CITI XXXX card ( usage % 107 ) and 2 ) Double case card ( usage % 59 ), i made Full payment for my XXXX card and next day i see my credit line reduced for double case card from XXXX to XXXX. 
CITIBANK reduced the credit line from XXXX to XXXX Limit. Which changed the credit line usage % on my score and it decreased my points by 35 points.upon checking with Bank specialist they are mentioning we see you have revolving credit on your account and we reduced the limit on your card and we have sent notification via mail today. When bank decide to reduce some one line of credit did you discuss with customer? Did you check if the revolving credit i have as if i am not making any payments? did i came in any ones defaulter list? without checking any factor how bank can reduce some one line of credit. 

Please guide me how to convey my message to bank that this type of situation can affect someone credit score and it take ages to build score and maintain for a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING AGENCIES ARE REPORTING ME LATE PAYMENTS IN AN ACCOUNT I HAVE OPEN WITH XXXX  Loan # XXXX when all my payments have been punctual to date, Due to that information that is in my credit reports, my creditors have lowered the credit limit on my cards, which is directly affecting my credit history. I contacted XXXX  and they state that the information that has been reported to the agencies credit has been positive and they have never reported a late payment since all payments have been made on time XX/XX/XXXX {$410.00} {$220.00} {$190.00} XXXX XXXX  XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$230.00} {$180.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$210.00} {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX.. XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$410.00} {$170.00} {$240.00} XXXX XXXX XXXX XXXX... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, Hope  all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Product: Mortgage

The XX/XX/XXXX statement showed that I paid cost and fees of {$2300.00}. My fear is this cost and fees appear from the unknown. I don't know what and why Im paying those fees and cost. I've been making payments monthly and don't owe back mortgage payments. I've consistently added extra to my monthly mortgage amount but Carrington Mortgage Services have not been applying the extra amount on my principal as requested. According to my statements Carrington Mortgage Services have funneled my extra payments to a Default Cost category and fees totaling {$2300.00}. I had a mortgage modification on XXXX of XXXX. I have a FHA loan and the rate is fixed. There should not be any hidden fees. The company representative of Carrington Mortgage states the cost and fees stems from the modification. I really am confused. All the fees from the modification was resolved or absorbed into the load. That explanation is bogus to me.
Product: Mortgage

On XX/XX/XXXX I spoke with my Wells Fargo mortgage specialist, I told them that I was running out savings and would struggling to pay my XX/XX/XXXX mortgage payment. I indicated I was interviewing for a new job and I expected to be caught up in XX/XX/XXXX and asked if that was ok. They said that would not be problem. I asked if my credit report would be negatively impacted and they said no it would not. 

My interview for a new job went well, I received an offer on XX/XX/XXXX and start my first day XX/XX/XXXX. I will be able to pay all my debts in three weeks. 

However, on XX/XX/XXXX, I received email notification from XXXX  of a negative credit report filling by Wells Fargo, I have paid my mortgage for 15 years. I called Wells Fargo back and they said they did no agree with my XX/XX/XXXX call. They also filed a XX/XX/XXXX negative credit report.
Product: Mortgage

we started the process XX/XX/2019 and it is now XX/XX/2019 they continued to ask for thing needed every couple of weeks and did a bad job of communication with me though the whole process i have put XXXX dollars into it plus tried to pay my bills on time. i have been passed from person to person with no end in sight and now i have fallen behind on my mortgage payment because of this and they are telling me that there is nothing they can do even though i have done every thing they have asked. i am willing to provide all communication i have had with them if need but something should be done before it happens to anyone else.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking theses transactions was not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

i dont and never had a XXXX XXXX XXXX. it is now showing in collections on my credit report