23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have my mortgage with XXXX I have reached out to them many time in regards to taking away PMI- I was sent a package from them of the process, which included my getting a home appraisal- Which I did and I submitted to them for approval- Late last night I called 4X on hold over 1 hour finally speaking to someone who told me it was declined. because I have not paid 20 % of my mortgage to them? I explained to them that is not what it said on line or is this what the HOMEOWNER PROCTECTION ACTS STATES. AS long as I am at 80 % than PMI can be eliminated - XXXX XXXX even has the example on there site. 
I dont understand why I have to pay for something that is no longer needed and why I had to pay for an appraisal if now they can go ahead and change the law? 

Please I would like to know what my options are and the facts to PMI and is XXXX  able to do this?
Product: Checking or savings account

On i believe XX/XX/2021 I was at XXXX XXXX a car as my vehicle was stolen. After 2 hours in the rental agency I handed the customer service rep my chime debit card to reserve the vehicle. It was declined. How could that be as my check was direct deposited into my chime checking the night before. So, I called my son and he came to the agency to use his chime debit card only to find out it too was declined. No way we thought. Had to call my husband to my rescue to start the nearly 3 hour process all over again THE NEXT DAY. Phoned Chime, they have my number blocked stating my account was closed and they won't speak to me. Only communicate thru email!! I emailed many times wirh zero response. I have nearly {$1000.00} just deposited on this account! As well auto deducts for my rent, storage unit, car insurance, wifi and several other ACH bills. My son tried to login t on his account and was blocked by chime stating his account is suspended. 2.5 weeks later STILL no access to our accounts and every dollar we own. I am faced with eviction now. I'm being charged nearly {$1500.00} in latest fees from all creditors. My son sent chime all documents they requested to verify identity and STILL TODAY no access to his account or monies. CHIME gave us zero notice our accounts would be closed and frozen. I've called them 8 times only to be rudely put on hold for 1.5 hours at one point and hung up on by a customer rep!!! I am faced with eviction because of these crooks and late fees I can not afford. I can not even put gasoline in my car as chime holds all of my money. We need help and quickly please. Chime should be accountable for all of our late fees and then some. I want them held accountable! We want OUR MONEY.
Product: Debt collection

# # **Re : Dispute of Debt and Request for Validation and Information** Re : Dispute of debt and request for validation and info To : Consumer Financial Protection Bureau Dear CFPB, I am writing to formally dispute a debt of {$110.00} that is being collected by [ Credit Collection Service ] located at XXXX XXXX XXXX XXXX XXXX, MA. I am denying that I owe any debt to this company or the original creditor. 

Furthermore, I believe that [ Credit Collection Service ] has violated several consumer protection laws in their attempts to collect this alleged debt. These violations include : * **12 CFR 1006.34 ( b ) ( 5 ) : ** The debt collector failed to properly inform me of my right to dispute the debt and request validation within the required timeframe. 
* **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** The debt collector 's validation notice did not contain all of the information required by law, including the amount of the debt, the name of the original creditor, and the date of the default. 
* **12 CFR 1006.34 ( d ) : ** The debt collector has continued to contact me about the debt after I have disputed it in writing. 
* **15 USC 1681-S2 ( 7 ) ( A ) : ** The debt collector has contacted me through electronic communication methods ( email, text message ) despite my request to cease such communication. 

In addition to disputing the debt, I hereby request the following information from [ Credit Collection Service ] : * **Debt Validation : ** A detailed explanation of the debt, including the original creditor, the amount of the debt, and the date of default. 
* **Purchase Agreement : ** A copy of the agreement between [ Credit Collection Service XXXX and the original creditor that demonstrates their legal right to collect the debt. 
* **Licensing and Bonding Proof : ** Documentation proving that [ Credit Collection Service XXXX is licensed and bonded to collect debts in my state. 

I am revoking all rights of [ Debt Collector Name ] to communicate with me through email, text messages, or calls. All future communication must be done in writing through the United States Postal Service. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely,
Product: Credit reporting 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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 card

I've always made sure that payments on this account are timely, never allowing them to be overdue. However, I'm unsure about the reasons for reports of late payment remarks on my accounts. This should be corrected according to 15 USC 1666b - Billing Error.
Product: Student loan

I cosigned a student loan for my nephew. American Education Services has my current contact info as well as his. I receive statements monthly from them. Mail has never been returned. I received an email to update my contact info with the company. Upon calling the company I asked if the account was current to which I was told it is. I was not asked to update my information nor verify my contact info. Today I received a call from a distant relative that AES has contacted her multiple times for my contact information. I am upset and angry that this company contacted someone on my behalf about my private business when the account is current and through monthly contact they are aware that my contact information is up to sate.
Product: Debt collection

In XXXX XXXX XXXX I had paid {$400.00} of a {$500.00} payment that was due to my credit card company at the time, XXXX XXXX. I recently checked my credit report and saw that I had a charged off account from them to Midland Credit Management. I looked into the account on their website and found my payment history. In XXXXXXXX XXXX XXXX I verbally spoke with a representative and they told me how my credit account would not be reactivated after payment, and that I would have to reapply for another account for a new credit card. I did not go through with it. XXXX XXXX had still been charging fees up until XXXXXXXX XXXX XXXX although the account was closed. I requested Midland to send all information they had to prove how they got to the balance of {$410.00}, and when I looked at the payment history they have, it shows that I was still being charged for an account I no longer had. XXXX XXXX charged me {$39.00} plus interest from XXXX XXXX XXXX before charging the account off when the account was in fact closed and unable to use.
Product: Debt collection

A credit card was opened in my name that I wasnt aware of in XXXX for the amount of XXXX from capital one. Also miscellaneous credit applications was also applied for that put hard disputes on my credit report as well.
Product: Credit reporting

Account # XXXX for Department of XXXX was official discharged on XX/XX/XXXX and TransUnion continues to state that the creditor has reported to them that the account status as of XX/XX/XXXX is XXXX days past due. When I contacted XXXX they indicated that they have not reported on that account since XX/XX/XXXX, so they did not indicated that to any credit bureaus. I have disputed this inaccurate information about XXXX times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit. I have submitted supporting documents proving this account was discharged, so how can it be XXXX days past due as of XX/XX/XXXX if I no longer owe on that account?
Product: Payday loan, title loan, or personal loan

I am filling this complaint bring to your attention a critical issue that I am facing with regards to my loan repayment. As an earnest borrower, I am disappointed and frustrated with the current restrictive payment options that have, thus far, made it impossible for me to meet my repayment obligations. This unexpected obstacle is not only causing me undue stress, but it also threatens to unjustly impact my credit score.

When I procured the loan, I was not informed about the specific need for a major bank bank account debit card, XXXX, XXXX, or XXXX checking account to make payments. Attempting to utilize alternate payment methods like my XXXX XXXX debit card or XXXX XXXX card resulted in failure, as they were not accepted. Even my attempt to pay with credit cards, or ach withdrawal from my XXXX prepaid account was unsuccessful. 

Furthermore, I tried to resolve this issue by seeking your mailing address on XX/XX/XXXX to XX/XX/XXXX so that I could use a mail pay service, as I have successfully done with other bills for the past five years. However, I was informed that your company does not accommodate this traditional form of payment, a response that seemed unusual and inexplicable to me. As a last resort, upon advice from a manager in your company, I purchased two prepaid debit cards at an additional cost to me, only to learn that your company can not accept this form of payment either. 

It is highly concerning that a company targeting underserved individuals with banking products presents such challenging barriers to making payments, and imposes requirements that customers are unlikely to meet. This pattern of limited and specific payment options raises serious questions about the underlying intentions of your company. It appears as if the hurdles in the payment process could potentially lead customers to incur unnecessary late fees and penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX, XXXX and Equifax after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/. I believe they have failed to authenticate these accounts. I included this in my last request and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}
Product: Debt collection

( XX/XX/2019 ) Tried contacting firm to get information about a debt that was to their firm for collection, called several times with extremely long wait times left messages for call back then emailed when I missed their 2 calls and had to wait again ( about 30 mins each time ) never got a response as to if I was still supposed to make payments to them or if I needed to take other actions so I stopped making a payment when I wasnt receiving confirmation emails for payments XX/XX/2019 ( I had made 5 $ XXXX payments ). Then when I tried using my account to pay for something and it said I didnt have any money I checked the account to find funds pending for review {$470.00} was the amount ( my comed and car insurance payments couldnt go through because of this ) I called the bank who told me to call the law firm who ( law firm ) told me they sent a notice to review my account and was waiting for banks response and that it was my bank that put the freeze on the money because they had no payment ( this was XX/XX/2019 ) so today ( XX/XX/2019 ) I called the bank because the hold is still on there And I FINALLY ( after three phone calls and over an hour wait time ) was connected to a manager who told me they couldnt see if it was judge order or just law firm who put the hold on the money and they will contact me when their law department contacts him. I couldnt connect with law firm who holds the debt because they were closed. I received a letter XX/XX/2019 postage was XX/XX/2019 stating they were garnishing my account but no dollar amount other then the full debt amount of $ XXXX+ ( Said no payments were ever made towards debt ) The letter was dated back in XXXX and that I had til XX/XX/XXXX to make an appeal. I am a single parent of two small children ( the debt collector/law firm knew this ) and my bank couldnt tell me if my next paycheck that is to be deposited XX/XX/2019 would also have a hold on it- I have rent and diapers to buy I work full time And had to cash my pennies to pay for gas and dinner for my children, I honestly dont know what to do, Im filing for bankruptcy three days before my sons birthday XX/XX/XXXX but I dont think Ill have the bare minimum they are charging me for that ... help ... please
Product: Debt collection

Friday, XX/XX/2023 To : XXXX XXXX XXXX XXXX I received a form letter from your company today regarding a payment of {$12.00} ( Our Account # XXXX ) for a XXXX 's Magazine subscription that I never requested nor asked for. 

I tried calling your XXXX telephone number, but that effort was to no avail. 

Either way, I never subscribed for this magazine, so please delete my name from your delinquent files for this. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

PNC is not allowing me to link my account with a XXXX debit card for some reason. Apparently it's the only bank that does not allow the service
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried reaching out to XXXX XXXX XXXX Credit Card Services due to information not updated on my credit reports for TransUnion, XXXX, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not correct.
Product: Debt collection

I entered into a consumer transaction with Navy Federal. A Finance Charge was included in this transaction. According to the Truth in Lending Act the Finance Charge is the sum of all charges. Navy Federal violated Federal Law by coercing me to pay a monthly bill. Navy Federal did not disclose my right to rescind which is a violation of my consumer rights.
Product: Prepaid card

I received payments on the Way2Go card in XX/XX/year>. I made several attempts over XXXX weeks to transfer the funds to my account, and each time the funds reversed and went back to the Way2Go card. I contacted Way2Go phone number several times to speak to a representative and it failed, I contacted XXXX  XXXX XXXX who contacted multiple phone numbers and could not speak to a representative. 
I called XXXX ( parent company ) who gave me the specific way to bypass the automated system to speak to a representative. 
Up to this point I have received no communication from Way2Go about my card. 
The representative I spoke with at the end of XXXX, finally told me that my account was marked as Fraud and I needed to verify my identity. I sent a letter from my bank, my drivers license and a bank statement XXXX different times and I received no communication from Way2Go unless I called them because the bank transfer did not go through. Each time, the representative stated the fraud dispute was denied and then I was transferred to be on hold for over 1 hour and nobody answered. 
These people are keeping the child support money for my child and I have no way to get it, I have provided them the information multiple times that they requested and still are not giving me my funds.
Product: Credit reporting

This account should not be on my credit report. Medical charges has been processed by my Medical Insurance. I have no regulation of this account. No XXXX Services. As a result, I have been gravely affected and my credit score is suffering. as a result of this account. There was no warning ever given, which is a violation of consumers rights. I am requesting that the charge be removed. 
XXXX {$260.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, IL XXXX XXXX XXXX XX/XX/2024 Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX Subject : Demand for Immediate Removal of Debt from Records Dear Portfolio Recovery Associates , LLC, I am writing in response to your recent attempts to collect a debt that I dispute. Because I am disputing this debt, you should not report it to the credit reporting agencies. Since you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Demand for Verification : I request the signed contract of the assignment of debt. A copy of a bill and a letter stating when you acquired the debt is NOT proof of the Assignment of Debt Contract. It is against the law to sell you a debt that is not owed. The IRS defines a charge off as forgivable or canceled debt. If you can not provide this information within 30 days, you are required by law to cease all collection activities and remove this debt from my credit report. 
Failure to Comply : If you continue to pursue this matter without providing the requested documentation, I will not hesitate to escalate this by seeking legal counsel to protect my rights. 
Cease and Desist : Please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ) Legal Action : Be advised that I am prepared to take appropriate legal action against your agency should you fail to comply with these demands. The continued harassment regarding this disputed debt is unacceptable and will not be tolerated. 

Govern yourself accordingly. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX is calling from a spoof number acting like they are from my XXXX area code but they are in Georgia. They have been asked repeatedly not call me.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking I submitted documentation to have items removed and permanently blocked from credit items were removed but not blocked and have returned to my credit report when I tried to dispute and resubmit original documentation they didnt not remove or block the items and since more items have returned. This problem is on going about every 3- 6 months the same accounts they agreed to block continue returning and effecting my ability to move on and have a positive gainful and stable life. This is my second complaint, the 1st complaint was resolved however the problem persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I accept an offer before XX/XX/XXXX of using there 0 % interest free check until XX/XX/XXXX. On XX/XX/XXXX I notice a interest charge of {$120.00} from the promotional check. I called Us Bank on XX/XX/XXXX and spoke to 3 different people and all they can said to me the promotional didnt applied me to because I was late 2 times with payment. I said to them nowhere does it stated it on the promotional checks. They told me I have to look into my credit card agreement and that it was stated on there. I contacted them through email to request a copy of the credit card agreement and was sent one about a week later, I read it and now where does it say that. On XX/XX/XXXX I Paid my entire balance off including the interest charge from XX/XX/XXXX bill and called Us Bank to close my account. On XX/XX/XXXX my statement was email to me with another {$170.00} interest charge on it, for a {$10000.00} check that was suppose to interest free until XX/XX/XXXX has been charge {$300.00} and maybe more charges for XX/XX/XXXX bill.
Product: Debt collection

On XX/XX/2023 my daughter texted me that I had civil court and the case # was XXXX ; the number the call came from was XXXX and to call XXXX On XX/XX/2023 a voice mail was left on my phone from ( XXXX? ) from Location Services that clearly stated " you have several civil claims or formal complaints filed against you in XXXX XXXX ( mispronounced ) that they will be contacting my place of employment and that once discharged from their office all of my legal rights would be forfeited. 

On XX/XX/2023 I called because I knew I hadn't been served after calling XXXX ; it was then that I was transferred to a female who then was fishing for information, did not cite the mini Miranda, I had not been served, I had not been contacted, I was given one of three options, dispute, financial hardship or cease and desist. I said financial knowing that a lawsuit couldn't be filed ( i am on state XXXX low income ) I called because I hadn't been served but disclosing this information in a text to a third party caused XXXX and violated my rights ; I have the text message and the voice mail and XXXX  the company only to find all of the complaints against this company to the XXXX  began recently and all of the complaints share the same story ; Regardless of the debt itself ; this intimidation is a separate issue and the original creditor or the company that uses Location Services should be liable.