23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I paid my mortgage through the online services of my mortgage company, 5 days before it was due. 11 days later, the mortgage company sent me an email notice ( after I had received a payment confirmation ) saying I had not paid my bill. And adding a XXXX  dollar late bill. 

I called them, and they said my bank had rejected my payment for lack of funds. My account did have adequate funds, and the bank ( XXXX XXXX ) stated they had NOT rejected any payments on my account. 

I called the lender back, and asked them what account they had tried to charge the payment to, and they couldn't, or wouldn't tell me, so there is no way for me to know what account they attempted to charge the payment to. I asked what I should do, and they recommended I make a payment over the phone, either by automated phone call, or through one of their phone agents. Then I found out they make extra charges, to pay the bill, by phone! XXXX dollars, and XXXX dollars respectively! 

The company, is " Mr. Cooper ''. We also had problems with my first payment, sent by check. They didn't credit my payment for several weeks! 

These practices are not acceptable, and have become very stressful to me. Thank you.
Product: Debt or credit management

I signed up two years ago with XXXX XXXX XXXX XXXX that was suppose to help pay off my debit of XXXX in credit cards. I was appointed a lawyer that I was to communicate with concern my progress. this lawyer was just as lost about the progress as I was. I paid them {$410.00} per month. There was supposed been XXXX fees and other fees attached the the fees. It took over 1 years before I started to see any money going to my account to pay off my credit cards. I called the Lawyer to follow up in why nothing was happen and she informed me that the company was under litigation with the court and I should call XXXX XXXX XXXX XXXX and stop all payment. I paid them lot of money and nothing of my credit card was paid off. I need to Know what happen now that I have put all this money in this company hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15

USC 1681. The letters are stated with items and issues. 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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : Response to CFPB Case XXXX Request for Debt Forgiveness Dear XXXX, Thank you for your prompt response to my concerns and for providing the requested information regarding my PayPal Credit account XXXX in XXXX. I appreciate the transparency and the documents youve shared, and I understand the position Synchrony Bank is taking in this matter. 

While I acknowledge the account was opened and that I hold responsibility for the transactions reflected, I want to reiterate my request for debt forgiveness due to my ongoing financial hardship, which was significantly worsened by the COVID-19 pandemic. Since the start of the pandemic, I have faced severe financial challenges, including a prolonged period of unemployment, which has left me unable to meet my financial obligations. As a result, even basic living expenses have been difficult to manage, let alone my outstanding debt. 

I fully understand that Synchrony Bank has charged off my account ; however, I am asking you to reconsider my situation and explore any possibility for partial or full forgiveness of the remaining balance. Forgiveness of this debt would provide crucial relief and help me work toward regaining financial stability. 

If full forgiveness is not possible, I would be open to discussing alternative payment options that are more feasible given my current financial situation, such as a reduced lump-sum payment or a more flexible payment plan. 

I truly appreciate your attention to my request and your continued willingness to assist me during this challenging time. I look forward to hearing from you soon regarding potential options. You can reach me at [ your phone number ] or [ your email address ]. 

Thank you once again for your understanding and consideration. 

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

I reported identity theft the FTC on XX/XX/19 due to the Equifax breach and my FTC report number is XXXX. Both XXXX and XXXX updated their files to remove the fraudulent information but Equifax refuses to do so. I called them no less than 5 times during business hours to get an update on my dispute since I have been having difficulties accessing this information online. I was asked to read my ENTIRE credit report to them and still was not verified because I answered the information incorrectly. How is it possible to not get any answer correct and I read everything off of my credit report? I literally jumped through hoops and still did not get a status. The fraudulent information still remains on the credit report even though it has been removed from XXXX  and XXXX XXXX records. The ironic part is the identity theft is a result of Equifax 's data breach!!!! I have read so many negative reviews regarding this company. Their customer service is outsoucred to a country with a clear language barrier.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ITEMS IN MY CREDIT REPORT FILE ARE UNAUTHORIZED ALL IS BEING INVESTIGATED BY THE FTC. THE FOLLOWING INQUIRIES ARE ALSO UNAUTHORIZED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. 
My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I C System, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 it was taken out of my bank account from cash app that was not approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX Wells Fargo received a hand written Billing error notice letter from me and blatantly ignored the letter and proceeded to report the the amount in dispute to XXXX, XXXX and XXXX which adversely effected my credit score. Wells Fargo failed to comply with XXXX CFR XXXX ( c ) ( XXXX ). 

Wells Fargo provided me with an address over the phone specifically for overnight mailing so that I could send me remittance payment. ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ). My payment in the amount of {$6700.00} was received on XX/XX/XXXX at XXXX and was signed for by a Wells Fargo representative by the name of XXXX XXXX XXXX Till this day, Wells Fargo has not credited my account. I've spent months calling and sending disputes and Wells Fargo continues to lie stating they never received the payment despite the fact I have proof/tracking information that shows my payment was in fact received. my credit score went from XXXX to XXXX because of Wells Fargo 's unfair business practices. The executive office assigns people to my disputes that continue to reverify false information. my family and I have been suffering since XXXX of XXXX. My credit card is maxed out because Wells Fargo is receiving my payments by mail and refusing to credit my account. The erroneous balances that they are reporting to consumer reporting agencies has ruined all my chances to take take out any loans. To add insult to injury, Wells Fargo has just reported a late payment on my consumer report AFTER I notified them again in writing of a billing error. Ive had a enough of their discrimination and unfair business practices! 

Wells Fargo is violating 15 usc 1666b which clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Wells Fargo is not in compliance with 12 CFR 1026.13 ( d ) ( 2 ) as they continue to purposely report adverse information on my consumer report.

on several occasions, I requested a refund in accordance 15 usc 1666d ( b ) and Wells Fargo has willfully non complied by refusing to refund me. Wells Fargo has refused to comply with both 15 usc 1666d ( a ) and 15 usc 1666d ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX XXXX XXXX XXXX  The Provisions of 15 USC 6801 ( a ) state, 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. 
Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed inaccurate accounts on my report that could be fraud.
Product: Mortgage

We refinanced our Mortgage with Bank of America, using the HARP program, from a 30 year fixed to a 15 year fixed in XXXX of XXXX. The age of our loan is now 4 years and 10 months ( XXXX XX/XX/XXXX). Our original loan amount on the 15 year fixed mortgage was {$290000.00}. Our current principal loan amount is {$210000.00}. We have PMI on our loan and would like to get the PMI removed. On XX/XX/XXXX, I called Bank of America 's PMI Deletion department to get details on how to formally begin the process of removing PMI. I was told a phone call was sufficient - no written letter required to get the process moving. We received a letter on XXXX XXXX from Bank of America stating that a new appraisal had to be ordered so they could determine if we met the " 75 % LTV '' rule. We can only use their XXXX XXXX XXXX appraisal service - writing a {$480.00} check to Bank of America. The Homeowners Protection Act of XXXX states that, depending on the loan, a homeowner must meet the " 80 % LTV '' rule or the " 78 % LTV '' rule to get the PMI removed from their mortgage. There is no mention of having to meet a " 75 % LTV '' rule. Bank of America states " the loan to value ratio of your loan, which is based on the original sales price or appraisal value of your property ( whichever is less ), has n't met the established LTV requirement to submit a request to cancel PMI. Based on this, as well as the type and age of your loan, the requirements to cancel PMI on your loan are : 1. No 30-day delinquencies over the past 12 months and no 60-day delinquencies over the past 24 months AND 2. current property value has n't decreased from original sales price or appraisal value ( whichever is less ) and the loan to value ratio based on your current property value is less than or equal to 75 % OR 3. current property value has decreased from the original sales price or appraisal value ( whichever is less ) and the loan to value ratio based on your current property value is less than or equal to 75 %. '' Then they want a new appraisal for {$480.00} to determine if our loan meets the 75 % LTV rules. I want to know where Bank of America is using 75 % LTV when the Homeowners Protection Act of XXXX says either 78 % or 80 %. How is that legal? I want to know how they are using an appraisal from the refinance of the mortgage 4 years and 10 months ago - since this is a HARP loan and did n't require an appraisal. We never received any notice of this appraisal. I want to know exactly when we can expect to have the PMI removed. What are the exact steps to get the PMI removed? When is the loan at 80 % and when is the loan at 78 %? When will be PMI automatically be removed ( if we did nothing )?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 

Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 


Re : Case # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX. 
XXXX Account # : XXXX XXXX : XXXX XXXX XXXX : {$590.00} XXXX federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. 
I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To all Credit Bureaus : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX RE : Remove Unauthorized inquiries Dear XXXX, Experian and XXXX XXXX XXXX XXXX After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately.
Product: Credit reporting or other personal consumer reports

I got a new XXXX through XXXX XXXX XXXX  on XX/XX/2023. On XX/XX/XXXX I made my first payment through my personal account in XXXX XXXXnline banking since I am able to see all my personal accounts including my XXXX XXXX XXXXn account through Online banking. 
After that, I create the payments through XXXX XXXX in my Business account ( XXXX XXXX XXXX XXXX XXXX ) I always pay my cars through my business account not personal account. Since my previous XXXX car was through XXXX XXXX, this payment was already created. I modified that automatic payment and added the XXXX XXXX XXXX  account number but inadvertently did not make the change from XXXX to XXXX, therefore even though the payments were created and sent with the correct XXXX XXXX they were sent as a check to XXXX instead of XXXX XXXX a completely mess ). On XX/XX/XXXX and received an email that my car account was past due ( I did not receive an email prior to this or by mail ). I contacted XXXX right away and they said that my account was paperless and that they do not understand why I did not receive an email or phone call prior to that. I explained the entire situation to them but of course they said they understand it was a mistake and that they already reported me to Transunion and I need to fight this with them. They say they will add the notes of what happened on my profile that way when Transunion contacted them, they were able to explain but they can not call Transunion on my behalf. I have been fighting with XXXX since that trying to figure out where the payments are and to obtain the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern : The items below were previously deleted from my credit file, yet they have been reinserted without proper notification as required by 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). I did not receive any notification of these reinsertions. 

Please delete these items immediately or I will be forced to take legal action. The items in question are : XXXX XXXX Account Number : XXXX Date of Deletion : XX/XX/XXXX CFPB Complaint Number : XXXX XXXX XXXX XXXX Account Number : XXXX Dates of Deletion and CFPB Complaint Numbers : XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Numbers XXXX and XXXX XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Number XXXX These CFPB complaint numbers correspond to XXXX XXXX responses confirming the deletion of these items from my credit file. 

Please send your written response to my address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Sincerely, XXXX XXXX