23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB : I 'm a resident in XXXX, Washington and a mortgage holder/home owner who has questioned the need for continued PMI insurance with US Bank, my mortgage holder, for the past two+ years when I learned the government is changing the rules regarding PMI. I fully accept the rationale for the insurance when my deceased husband and I refinanced our home in XXXX XXXX. At the time our loan to value ratio did not meet the requirement. We were satisfied with the 3.75 % interest rate and considering my husband was XXXX we were seeking a way to lower the monthly payment to prepare for me being solely responsible for debt should he die since his life insurance would not pay off the mortgage upon his passing. We did get an FHA loan. My specific complaint has arisen because I get constant solicitations in the mail and over the phone to refinance my home which continues to increase in value including solicitations from my mortgage holder US Bank. I owe {$410000.00} on my loan. My monthly payment consists of {$810.00} principal, {$1300.00} interest, {$450.00} tax, {$160.00} insurance and {$380.00} mortgage insurance. The county assessor has recently increased my home 's value from {$560000.00} to {$690000.00}. Obviously, I 'm pleased to see the value of my home increase. With this new information from the county assessor and looking at homes in my neighborhood selling for more than {$700000.00} I 've again asked US Bank for relief of the PMI. Again I was told no. But, I could refinance and move into a conventional loan which would mean more fees paid to US Bank and a likely loss of the 3.75 % interest rate due to my annual income being less than it was. I 'm topld because my loan is an FHA loan and not a conventional loan I can not simply drop the PMI. I 'm also told should I continue to pay on time until XXXX XXXX, which I have never been late with a payment in history of me holding the loan, will the PMI be dropped. My house hold income is less than 50 % of what it was when my husband was living. I 'm seeking relief of the PMI and would be thrilled if there was a way to get a refund on what I 've paid into US Bank since the government changed the rules on PMI. Its difficult for me to understand the rationale of a relief on a conventional loan, but not an FHA loan. That makes no sense if the government is trying to help mortgage holders like me. Can you please help me understand why?
Product: Debt collection

The company repeatlly call even after I ask them not to, I have explained that this is not my debt but they wont listen. during one phone conversation the gentleman said that I could borrow from the equity from my home to pay, I am XXXX years old on a small fixed income. 
On XX/XX/2020 I received a letter requesting my checking account number so they could take the money from my account.
Product: Credit reporting or other personal consumer reports

I am urgently requesting the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit and I expect immediate corrective action.
Product: Student loan

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Nelnet is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Nelnet the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX Nelnet, whether it be verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Nelnet has never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states, '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Equifax for over a year now trying to remove unverified items from my credit report. In disputing with the credit bureaus the burden of proof is on them. I gave them a hand and did my due diligence for them, which I sent them some proof on these two accounts that remain to dispute on. XXXX XXXX just appeared on my credit out of nowhere around XXXX of last year. I sent XXXX XXXX a verification letter to send me proof that this account is mine, they sent me NOTHING! I sent a copy of this same letter to Equifax stating that they sent me nothing so how are you able to verify this information? Equifax still refuse to remove it. I mail out a dispute letter on XX/XX/2020 they never responded. I mail a non-response letter after the 30 days on XX/XX/XXXX which they received on XX/XX/XXXX which I did received a response back dated XX/XX/XXXX. It took Equifax over 64 days before I got a response and they still didn't delete the account or correct the late payment even when I sent them proof. The other account that I sent them proof on was XXXX XXXX XXXX for a late payment, and it's still showing up late on my report. 

They have violated my rights in more than one way according to the Fair Credit Reporting Act. If the bureaus don't respond back in 30 days it is to be deleted from my credit file. I am filling this complaint because I have had enough of my rights being violated. Hope you can help out! 

Thanks, XXXX XXXX
Product: Student loan

XX/XX/XXXX, XXXX completed all required documentation for Public Service Loan Forgiveness and uploaded information with both Mohela ( loan servicer ) and Federal Student Loans ( Department of Education ). 
XX/XX/XXXX : called and messaged Mohela for more information. Mohela representative explained that my application was under review and it could take 30-90 days. 
XX/XX/XXXX : Mohela sent a message regarding XX/XX/XXXX message stating that the XXXX message was being reviewed. 
XX/XX/XXXX : I messaged Mohela to inquire about the status of my loan forgiveness. They reported that no additional information was needed and that my refund would be reviewed in another 60-90 days. 
XX/XX/XXXX : Mohela responded again that I met the qualifications for forgiveness. 
XX/XX/XXXX : I contacted Federal Student Loans and was told they could see no application for forgiveness.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There have been several request made for information to be researched and validated with Experian. The problem is the companies that I am listing would not respond directly to my request for validation or any type of information so how is Experian able to validate or verify anything? The below accounts need to be removed ASAP. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bank XXXX
Product: Credit reporting

In XXXX, XXXX XXXX XXXX, XXXX, and XXXX issued a XXXX ( Cancellation of Debt ) for the credit card accounts I had with the banks. Therefore, per Debt Buyers ' XXXX v. XXXX ( XXXX XXXX ), the banks are prohibited from " pursuing debt collection and enforcement activities after such forms are issued ''. The issuance of the XXXX creates a XXXX balance with the banks for me. And, I had to pay taxes on those funds. But, the banks keep reporting to Equifax, XXXX, and XXXX ( credit agencies ) that they are actively pursuing payment for the accounts. Their reporting makes it look like I have open accounts with monthly payments due and account balances. And, I do n't. 

I filed complaints with Equifax, XXXX, and XXXX in XXXX of XXXX but the credit agencies sent back very vague replies that I did not understand ( and I am a college graduate with extensive work experience ). And, the inaccurate information is still on my credit reports. 

If the banks discharged the debt, then the accounts should not appear as " open '' on the credit reports and they should not indicate that I have monthly payments due, and account balances ( meaning, the banks are expecting to have the balances paid down ). 

Everyone knows that posting debt information on a credit report is an act of pursing debt. Since the banks are prohibited from pursuing the debt ( because of the XXXX and statute of limitations ), then they should not be reporting that they are doing so. 
Dispute Report Numbers : XXXX : XXXXXXXX : XXXXXXXXEquifax : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical bills are being reported incorrectly on my credit reports. The two accounts are not mine and must be removed.
Product: Credit card or prepaid card

I had a service provided by XXXX XXXX XXXX XXXX XXXX for {$400.00}, in which I originally paid by check ( XX/XX/XXXX ). Unfortunately, I forgot to move the money over prior to and after reaching the merchant, paid the fee on my credit card ( XX/XX/XXXX ). The merchant turned around and cashed the check ( XX/XX/XXXX ). The merchant say that they would reverse the credit card charge ( XXXX ), but didn't. I contacted Barclay online and filed a dispute ( XXXX? ). Their online dispute didn't accept the format ( pdf ) that the supporting documents were in, so by the time I was able to get them converted, the online dispute was closed. It also would not let me add the file online. After calling Barclay, the only option was to mail it ( XX/XX/XXXX? ). I mailed the supporting documents to them. I contacted them ( XX/XX/XXXX ) after receiving a letter ( XX/XX/XXXX ) saying they denied the dispute because they didn't have supporting documentation. They said that they just received the documentation and would investigate my dispute. A couple of weeks later, no record of the adjustment had been made. My documents showed the money coming out of my checking account after I had paid the merchant by credit card. It also showed the attempt by the merchant to cash it prior to the credit card payment.
Product: Debt collection

Had case # XXXX vs XXXX Bank XXXX XXXX. I settled and paid through XXXX XXXX XXXX XXXX ( XXXX ). I paid an initial payment 0f {$1100.00} and then paid the rest os scheduled monthly payments through XXXX pay using my bank. Last payments finished on 2020. 
I have been receiving harassing paperwork from XXXX XXXX attorney at Law ( XXXX ) XXXX, duplicating case # XXXX and asking for {$4500.00}. which was already collected by XXXX XXXX XXXX XXXX. 
I went through my bank statements to ensure the payments were there. 
This is appalling and sad that we are letting these firms STEAL from every day people trying to make a living. I went through a hard time but did pay XXXX all that I owed. Why is XXXX XXXX trying to steal from my family. I fought for my country and would do it again in a heartbeat. 
Please help and correct/punish these individuals trying to take advantage of our systems.
Product: Money transfer, virtual currency, or money service

My PayPal account became limited on XX/XX/2019. They said in the email that day that they would contact me after 180 days on how I can get my balance. It has been 1,388 days and I have not received any messages from PayPal. They are holding {$340.00}. I deserve interest earned compensation for this failure! I called two weeks ago and talked to customer service and they have still not contacted me.
Product: Mortgage

Our home loan was transferred at the beginning of XXXX from XXXX XXXX to Roundpoint Mortgage. The initial payment to Roundpoint Mortgage went through successfully, and payment confirmation was received without any issues. Our second payment to Roundpoint Mortgage was made on XXXX. The second payment shows on their portal as " Pending '' but no payment confirmation number was received, and there is no way to edit this current payment in their portal. The only option that the portal allows is for an additional payment after the pending payment. A confirmation number should have been generated for the payment that was made on today 's date, and that pending payment and confirmation number should be displayed somewhere in Roundpoint 's portal, not just an option for an additional payment which is confusing, and would probably result in the average consumer making an additional payment for the same payment month since their portal does not indicate the payment, only a reference to a future payment several days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion I have worked with Transunion AND the credit union ( see below ) and they do nothing to get an account cleared up ( off my report ) due to multiple inaccuracies with dates, last payment amount ( {$3.00} ), balances changing for no reason and date closed. Attached are just a couple of sample letters Ive sent WITH all my ID info ( including drivers license, social security card, XXXX XXXX letter from Social Security, and a cell phone bill ). They always reply that they couldnt read my issue or I didnt send enough ID info!! OMG I just give up. The company, XXXX XXXX XXXX XXXX still reports incorrect information and Trans Union just keeps letting them. Im XXXX and XXXX XXXX XXXX XXXX, as I cant get the Federal Housing Authority to approve my application for a housing grant. I get help, like today, from a mens shelter with great volunteers helping XXXX people like myself. This credit reporting agency and this credit union are purposely doing this as, 1 ) no one wants to fix this, and 2 ) they both make money by keeping negative information on consumers ' reports. This is deplorable reporting and Im requesting that this account be removed from all three agencies. Thank You!
Product: Credit card or prepaid card

In XXXX XXXX I opened a XXXX XXXX XXXX card which advertised an annual {$300.00} travel credit benefit. On XXXX XXXX, XXXX I used the card for a travel purchase and received a {$300.00} credit from Chase on the same day. Given it happened within XXXX I believed the credit should be counted towards XXXX and I would be eligible for the credit again for XXXX. However, after I used the card multiple times for travel purposes in XXXX I did n't receive any credit. On XXXX XXXX, XXXX, I contacted Chase about the issue. The customer representative explained the XXXX XXXX, XXXX travel purchase and the corresponding {$300.00} credit in fact counted towards XXXX because even though they happened within XXXX they appeared in XXXX XXXX statement. 
At the time of opening the account, I did not receive any explanation that a difference between the date of a transaction and the date such transaction appears on the statement would have a critical impact on how the travel credit would be applied. Such subtle difference, even disclosed clearly, would be extremely confusing for a consumer to understand and manage. Such misleading advertisement directly led to my financial loss.
Product: Student loan

I co-signed XXXX loans through XXXX XXXX ( now Navient ) for my son, who is still in college. All XXXX loans are in deferral I was told I needed to pay interest on XXXX loan, which I have done. Two weeks ago, after numerous calls from Navient, I was told I was four months behind in payments and that I was responsible for paying on XXXX of the loans. I have made arrangements to take care of this. When I asked about credit reporting I was told if it is a problem, to write a letter and explain that I had been told to pay on XXXX loan and they would see what they could do. I have found Navient to be an entity that gives a different answer in each conversation, not correct what they say they will the first time and harass with incessant phone calls during work hour until XXXX XXXX everyday, including Sundays.Now I am concerned about my credit score because of their inefficiency. They have also harassed my son in the same way. Please help.
Product: Money transfer, virtual currency, or money service

I have a closed XXXX cash card account that has XXXX on it and I can't get the account to reopen or transfer to my new XXXX account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at approximately XXXX EST, my Coinbase account was drained of funds. This was an unauthorized transaction. Coinbase support responded to my inquiry stating that it was my responsibility to protect the integrity of the security relating to my account. Further stating they were unable to help in any way. The amount of the unauthorized transfer is for : XXXX XX/XX/XXXX XXXX {$4200.00} XXXX XXXX Supporting documents are attached.
Product: Debt collection

To Whom it may concern, I am member of retro fitness and for almost a year i didnt use their service while they were taking from account on a monthly basis of {$22.00}. I reached out to the GYM to cancel my service they say i cant i have to reach out to ABC Financial. I reached to ABC financial to cancel my service since I am not using a service which i am paying for for more than a year. they told I cant cancel my service like I have to mail in a letter of cancellation to them and it would take up to 3 months for my service to cancel and I find that not just because you are still incurring a monthly cost while you are trying to cancel my membership. 
In addition this was not stated upfront when you join the GYM as a known fact to all members Thanks XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX- Account Number : XXXXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX
Product: Checking or savings account

As of XX/XX/18. My Wells Fargo accounts have charged me {$3300.00} in fees over the past 90 days. I have personal and business accounts with Wells Fargo. The fees appear systematic and predatory to benefit the bank itself as opposed to the companys disclosures to offer a platform for small businesses to grow.
Product: Debt collection

Re : Account XXXX closed without any answer? Except the same copy and pasted response to 1000s of other people with a different date! Have you researched this company? There is actually an attorney that specializes in this company an sues them for deceptive practices. They did not ever verify this debt in any way the first time! Thats why it was deleted. They even said in their response that the original creditor wanted to try and collect again after almost 6 years? The statute of limitations in Arkansas is 2 years for medical debt anyway. Plus if I had any medical bills in 2014, which I didnt, it should have been paid by my medical insurance. Im NOT contacting you or this so called original creditor for anything! However I will be consulting with an attorney. If this isnt resolved immediately. Im tired being harassed about this medical bill and/or the OTHER medical bills you threatened me with in the last complaint response and being a victim of unverified debt and credit damage!
Product: Mortgage

1. This loan ( from Prosper Company ) was not strictly a mortgage. It was a debt consolidation loan for {$15000.00} and the rate promised me was 15.41 %. They took out 5 % of the loan as some sort of fee which made the loan amount {$14000.00}. At a three year rate of paying {$520.00}. a month I will be paying a total of {$18000.00} which is an interest rate of 24.6 %, ( based on the total loan amount of {$14000.00}. ) not 15.41 % as promised. At that rate I never would have taken the loan. It is the same exorbitant rate the credit card companies were charging. 
2. I would like the {$750.00}. ( origination fee? ) returned to me. And I would like them punished for dishonest business practices.
Product: Credit card or prepaid card

Card was sent to an old address by Best Buy. Have informed both the creditor and the debt collection agency that the debt was not mine. Sent reports to each informing them of identity theft and asked for the ORIGINAL PAPER APPLICATION. All they keep sending me are copies of the bills. I have shown proof that I was in another state and they still insist that the debt is mine without any proof. I have been denying this account for several years and they refuse to produce/show me the ORIGINAL PAPER APPLICATION. And according to Illinois law they have to validate the debt with an ACTUAL PAPER APPLICATION. This account is now charged off and is in a negative standing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive went over my credit report as i am trying to purchase a house and i have sent multiple disputes to this credit reporting agency, with whom are violating many consumer laws 15 U.S. Code 1681g - Disclosures to consumers, being XXXX & also 15 usc 1681 ( a ) ( 4 )