23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were told by our loan officer, and by PMI disclosures we signed when we refinanced our mortgage with BSI financial, that we could remove the PMI when then loan to value ratio was 20 percent or higher. 

Since then, values in our neighborhood have risen rapidly, exceeding the 20 % loan-to value rate. On a number of occasions we have contacted BSI, trying to ascertain whether they would consider in their PMI calculation a new appraisal that indicated the currect home value. They said that if we paid for our own appraisal, mailed it in with a handwritten letter requesting that PMI be removed, it was very likely that the PMI would be removed. 

We did so, paying XXXX dollars to have our home appraised. The appraisal came in at XXXX, while our original loan was for XXXX. 

Today, I called again and asked to speak to speak to the person who made the decision to deny our request to remove the PMI. I was transferred to a XXXX XXXX, in the Loss and Mitigation department, who told me that my PMI could not be removed until two years had passed, and that, at that point, the loan-to-value ratio must be at 75 %. 

I told her in our loan disclosures ( PMI disclosure ) there was nothing about 75 %, and that I had been told from the beginning, and by customer service agents at BSI, that the ratio was 80 % .I even have a letter on their letterhead spelling this out numerically. 

I asked her if she could locate any of the initial disclosures I signed that specified two years or 75 %, and she asked to put me on hold and hung up on me ( perhaps unintentionally? ). This is the second time I have been placed on hold by BSI and hung up on this week! 

The bottom line is that I want this bank to be clear and consistent in its PMI policies, and I want them to be transparent from the start regarding the formula they use and how they determine the loan-to-value ratio. In addition, I want consumers to know which appraisal is used by BSI in making their decisions, and whether they are following the law and not simply arbitrarily making decisions.
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 15 USC XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( 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: Payday loan, title loan, or personal loan

I got an email from navy federal credit union advertising that they are willing to help there customers in this time of need with the coronavirus epidemic and navy federal credit union says there here to help with a loan for its customers but its false advertising to customers who believe that they would help, its the same qualifications as a regular loan not to try to help or say they want to help thats giving false hope, I called and spoke with a loan rep he even made me aware of the same thing I dont understand even myself Mr.XXXX, even my girlfriend which Im the one that brought her to navy federal says the same thing, why give false information if your going to help out help out not, say your going to do something but truly lie to a customer I dont need to have anyone explain it, I like navy federal but thats going to far, were here to help our customers through this coronavirus epidemic and wanted to help our customers with a loan to help, I want what the website says not be lie to and denied a loan when it actually is false advertising to all customers all my friends in the military say the same thing it doesnt make since, I want this resolved but dont want someone to think Im stupid, no bank of any financial institution needs to take advantage of any customer in a time of need and hope and help thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, a consumer is a victim of identity theft, the credit reporting agencies, Transunion, XXXX, and XXXX has utilized and furnished my consumer report without my knowledge and authorization, consent, and written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear and conspicuous that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion, and XXXX has violated my federally protected right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with the respect to the confidentiality of my personal information. The Fair Credit Reporting Act ( FCRA ) was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and respect to the CONSUMERS RIGHT TO PRIVACY! Transunion, XXXX, and XXXX is in direct violation of the FCRA and the Gramm-Leach Bliley Act of 1999.
Product: Debt collection

Capital One Auto Finance is trying to collect a debt from me as a co-signer of my son XXXX XXXX, ( I use initials as identity protection ) auto loan. My son had insurance, and made a supplemental payment to Capital One. 
They have never provided me any documentation as to The Amount of the Loan and XXXX ) What/How Much the Insurance company Paid to the balance owed. 
XXXX ) What/How Much my son made in supplemental payments XXXX ) The remaining Balance due to them. 
I'm not paying a penny until they can document their billing to me. 
It seems that they can attach a claim to anyone who's name is on a contract regardless if they're entitled to it or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is XXXX. Fast forward to XX/XX/2022 XXXX closed the account and it has a {$0.00} balance on my Transunion credit report. So I assumed the company responded or didnt respond to XXXX. I called the company XXXX regarding an item on my credit report. The rep I spoke with read the script to me saying this is a recorded line, etc. She then stated that XXXX didn't have any accounts with my name on it that they could file on my credit report. I then stopped her and said that the company was indeed reporting on my credit report. She mentioned that it was odd because the account I was speaking about was paid in full and shouldn't be on my credit report. She transferred me to have it removed but nothing happen. I spoke with them in XX/XX/2022. 

I then filed a dispute with Transunion to investigate to get this item removed but nothing happened.
Product: Mortgage

XXXX XXXX XXXX XXXX. 
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Assistance in Validating Debt Collection Rights by Specialized Loan Servicing LLC Dear Consumer Financial Protection Bureau, I am writing to seek your assistance with a matter that deeply concerns my financial well-being and peace of mind. Specialized Loan Servicing LLC ( SLS ) has been attempting to collect a mortgage debt from me, claiming they have purchased this debt from XXXX XXXX. Given the lack of transparency and the refusal to accept payments, combined with SLS 's past litigation history for similar issues, I have significant doubts regarding their legal standing and compliance with necessary regulatory requirements to enforce this debt collection.

In light of these concerns, I respectfully request the CFPB 's help in requiring SLS to provide the following critical information and documentation to verify their legal right to collect this debt : 1. ) The Original Credit Agreement between myself and XXXX XXXX, as per TILA ( 15 U.S.C. 1641 ( g ) ).

2. ) Complete Assignment and Chain of Title Documentation, showing the legal sale and transfer of my mortgage debt to SLS, in compliance with the UCC.

3. ) Detailed Account Statements as mandated by RESPA ( 12 U.S.C. 2605 ), outlining the calculation of the current amount due. 

4. ) Evidence of SLS 's Compliance with state licensing requirements for debt collection.

5. ) Verification of the Debt as outlined in the FDCPA ( 15 U.S.C. 1692g ), including a detailed validation of the amount claimed.

6. ) Documentation of FDCPA Compliance ( 15 U.S.C. 1692 et seq. ), ensuring that SLS 's collection practices adhere to federal standards protecting consumers from abuse.

My request stems from a need to ensure that all collection efforts against me are grounded in legality and fairness. The distrust that has emerged from SLS 's actions including their refusal to communicate effectively and provide necessary documentation underscores the importance of this request.

I believe that the CFPB 's intervention in this matter is crucial to not only validate the claims made by SLS but also to uphold the principles of consumer protection enshrined in our laws.

Thank you for your attention to this matter and for your ongoing commitment to safeguarding consumers ' rights. 

Sincerely, XXXX XXXX XXXX XXXX. 
P.S.
Product: Debt collection

I received a letter from Transworld Systems IncXXXX For a creditor by the name of XXXX XXXX student loan.TRUST XXXX. Creditors account number : XXXX. With a principal balance of XXXX with an interest balance of XXXX XXXX with a balance due of XXXX. This debt does not belong to me. I'm unaware as to whether or not my deceased ex-husband, XXXX XXXX XXXX, signed my name on any forms requesting this loan. However, in the event this loan were to be his or was to have been signed by him that should have been before our bankruptcy was filed in XXXX. In the event that this debt is owed by XXXX XXXX XXXX it should have been resolved with the bankruptcy. There were many loans XXXX XXXX XXXX took out in my name without my knowledge, which he was required to pay in the divorce settlement in XXXX. I have never received funds for this loan nor did I request this loan nor do I have knowledge of this loan.
Product: Credit card or prepaid card

The Discover Credit Card company has been double charging me interest/fees for over a year. The company made it a routine to itemize the interest fee and then add a slightly larger amount to the overall balance. This has been occuring for a very long time and needs to be addressed.
Product: Consumer Loan

I have been working with XXXX for over 3 years. My auto loan is at a rateof 24 percent. The phone calls are relentless beginning at XXXX daily. I am trying my best withthese people but nnothing is good enough. I am exhausted due to their overwhelming phone calls.
Product: Credit card or prepaid card

I was in  XXXX   XXXX ,  XXXX  from   XX/XX/XXXX     ;  XXXX ,  XXXX  from     XX/XX/XXXX  ;  and again in  XXXX   XXXX  from     XX/XX/XXXX     before returning to the  USA   (   XXXX ,   XXXX  are a ). I also had a connecting flight in  XXXX ,  XXXX . On   XX/XX/XXXX  I G ot back to the USA at  XXXX  and called my credit card company shortly after, because I got a text message saying that there was suspicious activity on my card. It was with my  XXXX   XXXX   XXXX   XXXX   XXXX   MasterCard, which is powered by barclaycard. The agent from my credit  card company that I spoke to went over the charges that looked suspicious and I knew they were n't mine, and they were marked fraudulent. There were  XXXX  fraudulent charges of {$340.00} made on my account on   XX/XX/XXXX   or   XX/XX/XXXX   and  XXXX  charges of {$180.00} made on   XX/XX/XXXX  . Not only were these  XXXX  fraudulent charges cash advances, but  I  'never ' use or used my credit card to make cash advances. I was scammed by crooks. I could be wrong, but now I am thinking that this may be how these crooks were able to scam me ... On   XX/XX/XXXX   I went to the  XXXX   XXXX   XXXX   XXXX  and I made a purchase at the   XXXX   XXXX   with my credit card and when I inserted my card into the chip terminal, it rejected my payment at first, so a person behind the counter said that I need to type in my pin, so I typed it on the key pad. Then I think they used a different machine the  2nd  time and it accepted my payment. I believe that  [  maybe ] my pin could have been stolen that way. Otherwise, in  XXXX , I only used my card to get train tickets a couple times ; at the  XXXX   XXXX  ; at the  XXXX   XXXX   XXXX  ; and a couple times at gift shops in  XXXX   XXXX   XXXX . I never use my credit card to make cash advances, I only do " swipe '' transactions, and I would not have spent {$340.00} or {$180.00} in a single transaction, or multiple transactions in this case. I 'm a victim of credit card fraud and I should not have to pay an " extra '' {$1300.00} on my bill that I 'm not responsible for. So today on Thursda y,   XX/XX/XXXX    I got a letter from the fraud investigation department saying that their research has indicated that the transactions are valid. So as of now I 'm responsible for " fraudulent '' charges that were made on my card by someone else. I was then told to call the    XXXX   XXXX    in  XXXX   XXXX  and they could n't help me ; I was told to call the  XXXX   XXXX  police and I was hung up on ; and I was also told to backtrack the merchants on my account where the fraudulent transactions were made, and the names are n't even showing, because they 're probably various ATMs. I also suffer from  XXXX   XXXX  and I do n't make such a large income, so to pay a large amount " extra '' on my credit card is in no way fair. Thank you.
Product: Money transfer, virtual currency, or money service

Won't let me verify phone number to create a venmo acct
Product: Student loan

I went to XXXX XXXX in XXXX, NY. I have XXXX and had to have XXXX XXXX so now I am on XXXX. They have been taking money out of my XXXX payments as well as taking my tax returns to pay for my student loans. When I look on the website that lists how much is still owed though it says that my federal loans have been paid in full for a few years and I have not made any payment on the private loans since 2007. I have letters from the Department Of The Treasury that shows how much they have been sending to pay for the loans each month. These payments have been being sent for over XXXX years now but XXXX XXXX has not been recording any of them. I read that you were in the middle of a lawsuit with XXXX XXXX and was wondering if you would be able to help me with the problems I am having with them as well. I had contacted the Attorney General about this in the past and a letter was send saying that I owed a total of {$3900.00}. Though on the website that list the current loans there is XXXX that says is owe over {$15000.00}. Since the Attorney General was involved XXXX XXXX has taken more then that amount out of my XXXX or reporting that any of my loans are fully paid for.
Product: Debt collection

I mailed LVNV FUNDING a debt verification letter on XX/XX/2020 asking the collection agency to verify the debt. LVNV funding responded with a letter just stating I owed {$960.00} dollars for a credit card debt with XX/XX/XXXX I then sent a letter certified return receipt on XX/XX/2020 ( delivered XX/XX/2020 ) stating their response was insufficient, and requested the contract I signed that gives them legal standing to collect said debt. Their attorney XXXX XXXX XXXX sent a letter stating LVNV funding would obtain a debt verification or a judgment against me for said debt. LVNV funding refused to validate the debt and ignored my request for the contracts it assumed I signed giving legal grounds to collect debt. I disputed the account from my credit report XX/XX/2020 with XX/XX/XXXX for failure of debt validation by LVNV Funding. I also disputed with XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXXin terms of LVNV funding violating my rights under the FCRA in allowing LVNV to inaccurately report this collection account on my credit. LVNV has reported this account as a factoring account with a one month term limit with a balance of {$960.00} ; while also negligently reporting 20 months late payments on a collections account of debt LVNV claims to have purchased. The credit bureaus investigated my disputes and stated LVNV meets the requirements of the fair credit reporting act. I stated in my disputes I did not sign any contract with LVNV debt collection agency and it was a violation of my rights to allow them to inaccurately report on my credit and requested LVNV funding be deleted from my credit report. LVNV Funding refused to validate the debt, provide the contract or bill of sale from the original creditors, and violated my rights under the FCRA by reporting monthly late payments, and all 3 bureaus has allowed these violations to happen, and further damage my credit, illegally. Now XXXX, the LVNV attorney who refused my requests for documentation for debt validation, has filed a lawsuit against me in my county, court case ( XXXX ). XXXX XXXX stated in last letter to me ( forward to my new address by USPS, XXXX XXXX refused to send letters to return address on the letter I sent LVNV ) he would either validate the debt or receive judgment on the debt. XXXX XXXX has never validated the debt, instead he has followed through with his threats of legal action. LVNV funding has violated my rights numerous times with the complicity of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to dispute with experian about the XXXX XXXX account. This account has been sold to XXXX XXXX collection agency and has written their tax off. XXXX XXXX already has collected the debt and is satisfy. Therefore I have no contract with them. This item need to be deleted. 
Thank you
Product: Student loan

Navient has forwarded my account to collections and legal action because I have not paid. I have been trying to pay but due to being out of work ( even though I was trying my hardest to find work ), I could not afford any payments. I explained my situation and they would ask for my income vs expenses and agreed that I had no extra income in which to pay, yet when a manager was contacted I was told I had to pay if I did n't want further action to be taken. I felt bullied into trying to find money that I did n't have because I would receive at least 6 calls a day everyday from their different locations saying that I had to pay or I would be taken to court. I was never offered a reasonable repayment plan. I would explain to them my situation and offer an amount I could definitely pay but was continuously told that was n't enough. They kept suggesting using a credit card - which I do n't have - or ask people I know for the money. I do n't know anyone who I could ask for that money. I feel that they should have been willing to take any amount I could pay a month instead of rejecting everything I suggested. My interest has added {$1000.00} 's of dollars to my loan and this has affected my credit. Navient is now telling me that they will take me to court due to non-payment. I just got a minimum wage job and am willing to pay but that is no longer an option.
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. 
XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX acount # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A states that I have a right to privacy. 

XXXX XXXX XXXX section XXXX XXXX : it also states a consumer reporting agency can not fernish a account without my written letter of instructions. 

XXXX XXXX XXXX. ( A ) ( XXXX ) Section states : No consumer 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 antendates the report by more than XXXX years. 

XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not fernish any information relating to a consumer to any credit reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I checked my credit on XXXX XXXX and found an opened line of credit that was not one that I applied for or received monies from the LOC. The report showed that Citizens Pay Line of credit opened a line of credit on XX/XX/year> for {$4300.00} ( highest balance ). Two payments were made for {$72.00} each in XXXX and XXXX. The account was closed on XX/XX/year>. I filed a dispute with the XXXX credit agency and they responded that the information was deemed correct. I know it is not correct because I never opened that line of credit nor did I receive any monies from this transaction. I am now concerned that my house may be in jeopardy. 
I have also had recent issues with one of my XXXX XXXX accounts where charges were found that I did not make. XXXX XXXX closed the card and reissued me another card. I also found issues today with my XXXX XXXX account where charges were made that I did not make. I am starting to have real concerns about identity theft.
Product: Student loan

Signed up for an income driven repayment plan but was not told that I had to pay my late fees first before I could start the plan. I asked numerous times if my payment would be the agreed upon amount and was assured everytime it would be. When the bill came due, it was {$80.00} higher because of the fees.
Product: Debt collection

Multiple letters have been sent out to Transunion Credit Bureau. And they have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the Transunion bureau 's attention : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I have a letter from XXXX XXXX XXXX that account was paid and settled with a XXXX balance. Stating account was satisfied with no further obligation on this XXXX account
Product: Debt collection

I paid {$180.00} on XXXX XXXX, 2019 to Credit Collection Services. Original debt that was listed on my credit report was {$120.00}. They said they would mark the account " Paid, or Settled in full '' on my credit reports. The credit bureaus updated on XXXX XXXX, 2019. The account still had an " open '' status. I called them and they wanted another payment of {$88.00} which I paid online. They told me the collection would be removed from my credit reports, but it still shows an {$88.00} balance as of today ( XXXX ). I have called and complained to them several times but nothing has been done. They will not remove the collection from my report and it's delaying a mortgage loan.