23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

RoundPoint Mortgage ( RPM ) : Loan nr. XXXX - PMI removal Dear Sir : I got That mortgage about 3 years ago, the purchase price of my house at : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX was back then {$450000.00} Since the market lows back then, Florida Real Estate market has been on fire, adding average of 5 % annually in property values. 
Due to that my intention was to contact you and request the removal of PMI since my LTV went down to 78 % : Balance {$350000.00} : purchase price {$450000.00} & gt ; 78 % I was advised that RoundPoint Mortgage was not able to use a purchase price and new appraisal was needed. Cost {$400.00}. 
Since the cost of that would be recouped in only 2 months of PMI payment, I decided to go forward. 
I was sure my house would appraise easily at $ XXXX or more since listings for identical homes on my street show {$590000.00} range. 
You can imagine my disbelieve when I received from RPM an attached letter stating that my request to remove PMI was denied. 
Reason : LTV shows 86.56 % WHAT?! 
It did not make any sense. I called and after long hold I was advised that appraisal came in with the value of {$410000.00} ... .which Is $ XXXX less comparing to what I paid for this house 3 years ago ... Insane. Market was going thru the roof over the last 3 years! 
I looked up this particular Appraiser XXXX on the internet, and all the reviews where so negative, I have no idea how RPM can use such incompetent company. Example : " Avoid this appraisal company, if possible. I read a bad review about them before they did my appraisal. I gave them the benefit of the doubt, but they did the same thing to me. {$30000.00} below the actual value of my home. Immediately request another appraisal company before it 's too late. '' I had a funny feeling when the gentleman showed up in the car displaying " BUYING HOMES FOR CASH '' So this was his main business, he runs appraisals to show low prices and then buy homes for cash ... nice. 
They apparently combine for averages foreclosed homes values, use old data to come up with the lowest possible price totally disconnected from reality. Their business is to buy homes for CASH! Here are few insane points of that appraisal : House that sold for $ XXXX had a pool, still smaller by XXXX sq. feet than our house, pool is worth maybe $ XXXX. $ XXXX higher than mine? 

This is just to show you their incompetence. I have no intention to pay {$400.00} for such bunch of baloney. 
I decided to give RPM the chance to correct that problem and remove my PMI and/or arrange another appraiser that is competent and fair. I called and emailed them, nobody every cared to call me back. Instead, I got today another letter showing they decided to transfer my mortgage to another servicer ( to put an and to my PMI removal affair I am sure ) I hope we can come to some resolution as I know for sure my LTV warrants removal of PMI at this point. 

Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX XXXX
Product: Money transfer, virtual currency, or money service

Banks Involved - XXXX XXXX XXXX : XXXX XXXX, - XXXX : XXXX  bank that works with XXXX XXXX XXXX to wire funds - Apple Savings : Goldman Sachs bank that works with XXXX I sold my companys stock through XXXX XXXX XXXX and started a wire transfer to my savings account ( Apple Savings, through Goldman Sachs ) Date of stock exercise : XX/XX/2023 Date of sent funds : XX/XX/2023 Amount : {$10000.00} I didnt realize that Apple Savings account didnt accept wire transfers, so I called Goldman Sachs XXXX XXXX them know that this was a mistake and to please reject the funds so it can go back to XXXX XXXX XXXX XXXX 

I was notified by XXXX, multiples times, that their system automatically rejects any incoming wire transfers and that the funds shouldve been returned. They provided an IMAD number and that the funds went back to XXXX. 

I called XXXX XXXX notify them about this auto rejection, and they started a recall funds process. 

XXXX XXXX XXXX through XXXX has not been able to contact anyone at Goldman Sachs to prove that they have returned my funds. I call Goldman Sachs to investigate how I can prove that the funds have been returned and they say that they dont have a way or a team that XXXX XXXX XXXX can reach out and talk to directly. 

The funds have no been returned and Goldman Sachs is refusing to help find the funds further because according to their XXXX theyve already done the investigation and theres nothing else they can do. 

XXXX XXXX XXXX has provided me with a XXXX codes to prove that they sent out the money, but XXXX is refusing to help further investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report, as well as a FTC Identity Theft report, however I am still having issues getting the validity proven of the account. I did not authorize nor sign for this vehicle. I have attempted to deal with the creditor, who is requesting information that they should have if I indeed opened the account. The information on one credit report shows incorrect DOB and last 4 or SSN. The other two has incorrect name spelling and addresses. This account is not mine and I never get any information back on the proof, just responses asking for my information that could be used against me. This company should have my license and SSN on file if I purchased there. This account is only listed on one credit report. The others have already been proven unauthorized and fraudulent. Please take a look and assist in getting this incorrect and inaccurate information from my report.
Product: Vehicle loan or lease

I sent certified correspondence to Credit Acceptance Corp. which they acknowledged receipt of which indicated their violations of the FCRA, specifically 15USC1681 ( a ) ( 2 ) ( B ) " The reporting of this account is a violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' and the Gramm-Leach-Bliley Act " I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( XXXX ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Credit Acceptance Corp dismissed my request indicating in their response that based on their investigation, the information they provided to the credit reporting agencies was complete and accurate and did not require modification, deletion or correction.

My correspondence did not request correction of information they furnished but demonstrated they were not authorized to disclose ANY of my private, non=public information. Further, it requested production of the clear and conspicuous disclosures they were required to provide prior to the furnishing of said information along with explanations of how to opt out. 
They produced no evidence of the investigation they claimed to have done which I never requested in the first place.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered I was a victim of identity theft I found an account on my credit report that I did not open.This has been a problem for me as I am in the process of shopping for a home for my family. Please remove these fraudulent accounts reporting on my credit report as soon as possible.
Product: Credit card or prepaid card

Charged a late fee of {$29.00} for a shortage of {$3.00}. Shortage was paid same day.
Product: Debt collection

I had auto insurance with XXXX and moved to another state so had to change companies I called XXXX and cancelled all the policies I had ( 3 ) at one time and they didnt close one of them. They held it open and now claim I owe money I shouldnt owe I have tried to resolve this but XXXX is the only credit bureau that checked into it and removed the collection from my record the other two refuse to do anything about it. I attached a copy of my new policy showing the policy date in top left corner XXXX wont even tell me the date they stopped the policy
Product: Credit reporting or other personal consumer reports

I disputed a account WITH EQUIFAX XX/XX/XXXX to be investigated that was settled for {$620.00} XX/XX/XXXX with company XXXX XXXX and they told me once I dispute this account with the credit bureau they verify any information so this account will be deleted.Once I disputed the account with Equifax they responds came back verified as if they did a thorough investigation which was not the case because XXXX mentioned to me that it will be POINTLESS to verify the account since it settled.i feel as if I was scammed because I have summited the settled document proving it was paid and Equifax is not deleting the account or doing proper investigation
Product: Money transfer, virtual currency, or money service

I have been selling items on ebay, with PayPal as the money transfer service, for 10 years. I sold a pair of shoes on XXXX for {$150.00} and another pair of shoes XXXX for {$61.00}. The buyers paid for the items and I can see the money in my PayPal account, however PayPal is holding the funds. I mailed the items to the buyers on XXXX and provided tracking information. The notation beside each transaction in my PayPal account indicates that PayPal plans to hold the funds for 21 days. On XXXX, I called PayPal to find out why the funds are being held for so long. The PayPal representative explained their policy, stating that I had not sold anything recently. I explained that I have been selling and handling payment transactions through PayPal for 10 years with an excellent track record of customer satisfaction! The Paypal representative said I would receive the funds 3 days after the buyer receives the merchandise and he was not able to make an exception. So the buyer will receive the funds but I will not receive payment. This is not fair to the seller. I have shipped the merchandise and have nothing to show for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 Hard Inquiries on my TransUnion credit report file that I did not authorize. I got notification that my personal information was used on the black market and when I obtained a report of my credit file I seen these hard inquiries. 

1. ) XXXX XXXX ( Finance ) ( XXXX XXXX ) 2. ) XXXX XXXX ( Finance ) ( XXXX XXXX ) 3. ) XXXX XXXX ( Bank ) ( XXXX XXXX ) 4. ) XXXX ( Finance ) ( XXXX XXXX ) 5. ) Trans Union ( Misc. ) ( XX/XX/2017 )
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX Acount name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I filed a complaint regard XXXX XXXX and my credit score went from the mid 700 's to the lower 600 's my credit report dropped XXXX points for two or three credit inquiries instead XXXX points each.
Product: Checking or savings account

I was a Union Bank customer until US Bank acquired some of the assets of Union Bank in California. In early XX/XX/year>, I stopped at my local branch of US Bank in XXXX, CA to inquire about the process of closing my safe deposit box before the auto-debit scheduled for the end of the month. I informed XXXX, an employee at the branch, that I would like to close the safe deposit, but she was unable to assist with my request because the safe deposit agreement that I originally signed with Union Bank was not transferred to US Bank. I also informed XXXX that I was not able to visit in person due to an emergency that required me to leave the state to care for my critically ill son. I confirmed that the box was empty and requested special consideration to mail the keys and complete any necessary forms remotely when the safe deposit agreement is finally transferred from Union Bank to US Bank. Despite my efforts, the matter remained unresolved. 

When the situation escalated, supervisors XXXX XXXX XXXX and XXXX XXXX XXXX worked with the back office to find a resolution. However, before it could be addressed, the checking account XXXX was charged off. On XX/XX/year>, the bank debited {$230.00} from my checking account XXXX for the safe deposit box fee. On XX/XX/year>, the checking account XXXX was charged off with an additional {$35.00}. 

On XX/XX/year>, XXXX XXXX and XXXX XXXX received approval from the back office to reverse the {$260.00} charge, acknowledging it as a bank error. I was informed that the reversal would take two business days to process. They also instructed me to contact the US Bank Consumer Bureau Management Department to request the removal of the XXXX report filed on XX/XX/year>. 

On XX/XX/year>, I wrote to the US Bank Consumer Bureau Management Department explaining the situation, asked to reverse the charges in the amount of {$260.00}, and also remove the record from my XXXX report, but havent received a response. 

XXXX XXXX and XXXX XXXX advised me to contact the US Bank Consumer Bureau Management Department by phone at XXXX, but the customer service representatives I spoke with refused to connect me with anyone from the Consumer Bureau Management Department.
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examination of my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I have received no reply, nor has adequate validation been provided. I request your assistance in addressing and resolving this matter swiftly and effectively.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. This is my official statement about the crime. The following accounts are a result of the identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Including inquires, XXXX XX/XX/year>, XXXX XX/XX/year>. I do not know anything about the person who stole and is using my identity. I am seeking remedy for the fraudulent accounts to be blocked and deleted from my credit report and file immediately.
Product: Checking or savings account

I have had multiple accounts with CIT Bank for several years. I have not had any issues. All of a sudden, without warning, my account was closed. A check was sent to me for my balance. Upon inquiry, CIT Bank said they closed my account on accident and that it was a " Banking error. '' When they went to reopen the account, I was told I couldn't have an account if I wasn't able to show proof of a lease or a mortgage. I informed CIT Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which allows a customer 's business street address to be used in place of a residential address. 

CIT Bank refused to open my account due to the discriminatory practices of only allowing people who have proof of a residential address to obtain accounts. There are a lot of people in XXXX XXXX who do not live in a residence or have the ability to show proof of a lease or mortgage. XXXX XXXX XXXX XXXX XXXX clearly provides multiple ways to open a bank account without a residence. 

I request assistance from CFPB for not only myself, but for a community of people who should be able to live where they want to live and bank legally with the bank they want to bank with, without discrimination. Thank you.
Product: Mortgage

I have a mortgage with Bank of America that was started XXXX of 2012. Please keep in mind this was the end of the real estate bubble bursting. 

My mortgage amount was for {$76000.00}. 

The type of loan is CONVENTIONAL RES WITHOUT PMI / 30yrs / FIXED. 

I want to close my escrow account. The bank is telling I can not do this until my princepal amount is 80 % of the appraised amount at the time of the mortgage. They have stated to me on the phone that this is due to state regulations. I contacted the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and they told me there is no such regulation. 

Here comes the next very confusing detail. The appraisal on the house is for {$33000.00}. What bank does a mortgage at over 200 % LTV and without PMI. The current value of the house is Approximately {$130000.00} to {$140000.00} and I owe {$58000.00}. 

All I want is to do is close the escrow account and I feel like I am being giving bad info so I have to keep the escrow account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

1. Received a letter from Snow & Sauerteig LLP stating that I owe {$330.00} to XXXX XXXX XXXX dated XX/XX/XXXX 2. I issued a letter dated XX/XX/XXXX contesting the validity of the debt 3. Snow and Sauerteig LLP received letter on XX/XX/XXXX 4. Tried to contact them on XX/XX/XXXX seeing if the have gotten said letter. Got answering machine I issued a letter contesting the validity of the
Product: Bank account or service

Navy Federal Credit Union Denied my access to my bill pay because it was link to Fraud Account that was close and they issue me new account Number and they did not link my new account with bill pay so they denied me access to account because of lack of them doing there job. Why would they hold the customer responsible for them not linking the account with right one. Continue Lack of unprofessional when hand product and services. Please investigate the Product and Services Navy Federal Credit Union offer to the members and ensure they are processing and according to United States Federal Regulation. Your service account has been suspended because we were unable to withdraw funds from your payment account. You will receive an email or letter in the U.S. mail about the returned payments. For info on reactivating your account, call XXXX. 
Because your account is suspended, you are currently unable to use all of Navy Federal 's Bill Pay Service 's features. To cancel a pending payment or to print a list of your e-bills and payments, go to Bill History.
Product: Credit reporting or other personal consumer reports

It has been several months since my initial contact via mail and my complaints via CFPB, and regrettably, I have not received the anticipated resolution from your department regarding the misleading and inaccurate entries on my credit report. 

I am writing to bring your attention to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All three bankruptcies were unlawfully handled and reported to my consumer credit report by the XXXX credit agencies without my consent or knowledge or me being notified XXXX  days prior identity theft and violation XXXX5 usc 1681as well as XXXX  and XXXX
Product: Debt collection

Phone number XXXX Frontline asset strategies called my XXXX year old mother telling her that she had a XXXX card with {$20000.00} from 2016 she needed to pay immediately. We checked and my mother her never had one. I called that number that has a New Hampshire area code and they would not tell me what type of business they were, I asked for their mailing address and he put me on hold, he was hesitant, he found XXXX gave me a address, XXXX XXXX XXXX, XXXX XXXX, XXXX Minnesota. If you use XXXX XXXX that address is a parking garage.