23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi, I had taken a Home Loan from XXXX XXXX XXXX  back in XX/XX/XXXX and the service partner in XXXX were XXXX XXXX anXXXX XXXX XXXX is XXXX is Roundpoint Mortgage Servicing Corporation. 

I had purchased the house with 5 % down payment in XX/XX/XXXX and PMI was applied to my loan account, as the down payment was below 20 % There was a substantial increase in the market value of housing property in year XXXX and I contacted XXXX XXXX in XX/XX/XXXX, to remove the PMI as the Loan to Current Market Value is much above than the required percentage, however, they rejected my claim I contacted Roundpoint Mortgage Servicing again in XX/XX/XXXX and I was told that, my case is good for removal of PMI. On further inquiry with them, I was told that, an order to XXXX  was ordered and they will revert to me for appraisal of my property. I did not get any call from them for a week from then and I got back to roundpoint again, to check about it. 

They told me that, the order to the XXXX was issued by mistake and I am not eligible for removal of PMI unless the required ratio of XXXX was brought by pay back or substantial improvement. 

I am not sure, why these servicing companies have rejected my claim all the time. I don't remember any condition, restricting the removal, if the current market value is on or above the ratio of XXXX. I believe that, my current market value is much higher than required ratio and the PMI shall be removed. In fact, I shall be paid back the PMI paid for Year XXXX as then market value of property also were well above the required mark by these companies. 

I am contactable in XXXX XXXX XXXX, in case you need any further information. The contact number of roundpoint mortgage servicing is XXXX XXXX XXXX. The Mortgage / Loan Account number is XXXX. 

The application filed with the roundpoint corporation have been attached herewith as well as rejection letter sent by the XXXX XXXX in XXXX XXXX Please let me know, if I need to do anything further to take this matter ahead Best Regards XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I noticed my bank account was compromised for XXXX and change. I called the bank. I was transferred to XXXX XXXX department. I was told I was speaking to a person named XXXX XXXX who told me I was a thief ) Then he transferred me to someone who he said was a supervisor named XXXX. ( Who later hung up in my face ) I'm on XXXX XXXX. I told them about a claim I opened up with XXXX XXXX  company that charged my card XXXX. XXXX apologize and refunded my money on XX/XX/XXXX. Wells Fargo told me I stole ( those were XXXX and XXXX XXXX exact words ) XXXX. I said NO WAY. look at my documents. But long story short. Wells Fargo put my Bank account in a negative of over XXXX. Now my XXXX money will be taken from me on XX/XX/2023. And it's jeopardizing me paying my rent. PLEASE HELP ME!! PLEASE!!! I never received or spent XXXX from them. I spent my XXXX from XXXX Because it was my refund
Product: Student loan

I have contacted Discover Student Loans about my repayment options and have signed up for a three month extension on my loan repayments. I would make my first payment in XXXX. I have gotten multiple calls and emails attempting to collect a {$50.00} payment, which should not be due until XXXX. I get up to three calls a day. I have talked with the company multiple times and confirmed that I do not owe this {$50.00} as of now and that they will take me off the auto dial list. I am typically removed from the list for about a week and then begin getting calls again. Each time I am called I talk with the representative and ask them to check the notes and they confirm that I should not be getting phone calls.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Remark from Credit Report Due to Non-Compliance I am writing in follow-up to my previous request where I asked for validation of a debt you claim I owe, specifically requesting a copy of the original contract or agreement signed by me. As of today, I have not received the requested documentation that validates your claim. 

The accounts are as follows : XXXX XXXX for {$3000.00}, XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$990.00} In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I requested proof of the debt and my agreement with the original creditor. The FDCPA stipulates that debt collectors must provide debt validation upon a consumer 's request. Since I have not received satisfactory validation of this debt, including the absence of a signed contract, this casts doubt on the legitimacy of your claim and your authority to collect this debt. 

Moreover, the FCRA mandates accurate reporting of credit information. Reporting a debt that can not be validated is in violation of these standards. As such, I am formally requesting the immediate deletion of this remark from my credit report with all three major credit bureaus : XXXX, XXXX, and TransUnion. 

If you fail to comply with this request and continue to report this unvalidated debt, it would be considered a violation of the FCRA, and I will take appropriate steps, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to protect my rights. 

Please provide written confirmation of the deletion of this entry from my credit reports within XXXX  days of receipt of this letter. 

Thank you for your prompt attention to this matter. If you require any further information or have any questions, please feel free to contact me at [ Your Phone Number or Email ]. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I filed a disputed it was denied about 2 days later, I immediately requested a copy of the documents used to come to that decision, that was about a month ago they are refusing to give me the documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft and filed a dispute with 3 companies and hard credit inquiry that didnt come off my report and XXXX credit card in my name as well. they didnt remove anything from my report.
Product: Credit card

Barclay Old Navy Card opened XXXX and closed XXXX without my knowledge or consent. It's affecting my credit score.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a report about my credit being pulled without my authorization. I want the inquiry removed from my credit report. 

Credit plus responded back " On XX/XX/XXXX, XXXX XXXX XXXX pulled your credit report with the permissible purpose of securing a mortgage loan. If you did not authorize access to credit data ; please file a new case. A hard copy of this same information will be mailed to your postal address. Please contact our Consumer Disputes Specialists at XXXX or XXXX if you have any further questions/concerns. Sincerely, Credit Plus Inc. '' As I stated in the original report, I DID NOT AUTHORIZE ACCESS TO MY CREDIT DATA. My husband mentioned in casual conversation to someone from XXXX that we might be refinancing this year, and they took it upon themselves to PULL MY CREDIT to check rates. We did NOT authorize a credit pull, and no one ever spoke with me at all, they just accessed my information from when we were originally applying for loans back in XX/XX/XXXX.
Product: Checking or savings account

Marcus is not allowing us to access our life savings, preventing us from transferring our money out of their institution to another account that we own, and has offered no concrete resolution in sight. Throughout the process that has been going on for over two weeks, Marcus has not given us any reason for blocking our transactions. They had deemed that our phone numbers and social security numbers were no longer sufficient to prove our identity ( which is such an irony as they never said a thing when we deposited our money into the account and our phone numbers have always been our sole numbers and have been on file for eternity, and these phone numbers were used to log into the Marcus account for XXXX authentification every single time! ) but did not say what more is needed to prove who we are. As a result, our life savings have been frozen with no access and no resolution. 

XX/XX/XXXX : A transaction was received by Marcus to transfer funds to another account owned by myself and my husband who is a joint owner. 

XX/XX/XXXX : The transaction was reversed by Marcus with no notice or reason. We contacted Marcus by phone and the representative said that there were no holds on our account preventing the transaction from going through and asked for us to try again. 

XX/XX/XXXX : We attempted again to transfer money from our Marcus account to the same joint account. 

XX/XX/XXXX : Marcus rejected the transaction request again with no reason. We contacted Marcus by phone and find out a restriction is placed on our account. We tried to resolve it over the phone and Marcus said that someone will reach out on XX/XX/XXXX to resolve the case. 

XX/XX/XXXX : No one from Marcus has called us by XXXX XXXX Pacific time so we reach back out again. The customer service representatives were unable to resolve the issue and the call got escalated to a manager. The manager was only able to disclose that the case has been under review and someone will reach out in XXXX business days. We requested information on the case and the manager stated that no information can be given and there is nothing that they can do to resolve the issue.
Product: Debt collection

I previously submitted a compliant with the CFPB on XX/XX/XXXX # XXXX In the previously complaint I requested debt verification for a second time. The first time I requested debt verification was XX/XX/XXXX, when I sent a letter via certified mail to XXXX  patient services. 

I received a letter from XXXX XXXX XXXX on XX/XX/XXXX which included an e-mail address that I was directed to respond to for more information. The letter that United Collections Bureau sent me was not debt verification, but instead just another copy of the bill they are attempting to collect. 

Section XXXX of the the CFPB rules and policies outlines that the company has 5 days to respond after initial communication, at this point it has been 10 days since I emailed United Collections Bureau asking for debt verification. 

I have already paid my debt to XXXX, I do not know how United Collections Bureau received my medical information, and I am tired of attempting to resolve this with them when they will not fulfill their obligation to me as a consumer.
Product: Debt collection

I received a document from the Law Office of XXXX XXXX XXXX, XXXX. ( Debt Collector ) ( XXXX XXXX XXXX XXXX, Georgia XXXX ) notifying I owed had a balance of {$2300.00} from previous apartment complex I lived in The XXXX XXXX. I have tried to contacting the the company un multiple occasions and have not been able to talk to anyone. I did have a lease at this apt complex which ended in XX/XX/2016. At the time I gave my 30 day notice turned in my keys and processed all the paper work necessary with them as you do when you move out. I did not not have a reminder balance, owed any rent money or bills to apartment complex. I was also never notified or was reached by apartment complex after moving that there was something I owe. After receiving this letter from the tax collector I Contacted the apt complex office and they said they had nothing on file saying I owed any type type of money to them. They mention they did have a change in administration and staff so they couldn't really help me out. At this point I dont know what to do, I do not owe this amount of money, Im not sure if this is some type of fraud or what actions I should take, I also would not want this affect my credit score.
Product: Bank account or service

XXXX XXXX, Citi Gold XXXX branch Manager, wasted my time and blew me off with his unprofessional false promises. He failed to identify I.D . over a serious phone call regarding my Credit card account. Even worse, he read out my account number without identifying me as THE customer. After talking with me for only a few minutes after confirming my name, XXXX XXXX told me that he had my account pulled up, and then he read off my account number. This is Unacceptable and Unbelievable!! Where is identity Security?
Product: Credit reporting or other personal consumer reports

Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXXXXXX  Dear Dispute Department, I reviewed my credit report on XX/XX/XXXX, and noticed several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

The following accounts contain incomplete and incorrect information : XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX  Closed on XX/XX/XXXXXXXX XXXX XXXX Closed on XXXX XXXX, XXXX Since this information is not complete or accurate, I formally request that you investigate and correct these errors immediately. Please provide documentation of your investigation and the sources used to verify this information. 

Please respond in writing within 30 days as required by the FCRA. Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit.
Product: Vehicle loan or lease

Credit Acceptance was my loan. they were hiding auto loan cost the true cost of the loan i was given a predatory loan my vehicle was repossession I purchase my financing in 2019 my apr rate 24 %
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX CT, XXXX, VA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, VA, XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX, VA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXisted below are the Collections that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

There are items on my credit that do not belong to me, I have filed an FTC report and sent to the XXXX bureaus, some of these items are still reporting erroneously : XXXX XXXX- XXXX {$0.00} XXXX XXXX {$1800.00} XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX {$0.00} XXXX XXXX- XXXX {$650.00} XXXX XXXX- XXXX {$350.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX- XXXX {$2000.00} I am attaching my license and an FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # 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
Product: Student loan

I am enrolled in the Public Service Loan Forgiveness program since XX/XX/XXXX. The amount of qualified payments I have made have been miscalculated. I called them in XX/XX/XXXX and I was told that they are recalculating the payments and will contact me when they are done. I called them today, XX/XX/XXXX and spoke with XXXX. She told me that their calculations were accurate. The missing payments that were not included in their calculation was because I did not make a payment even though my payment was {$0.00} ( a lump sum payment was made for the year ). They do not count my lump sum payment as adequate payments even though it was applied to my bill for the year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced some concerning the credit reporting activity within XXXX, offered by Capital One. 

I have reported my other issues with the CFPB. Now I see that : My address is reported inaccurately on my XXXX credit report. 
Please advise. 

I am growing more concerned now that I'm discovering inaccurate information delivered through XXXX XXXX via Capital One.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Student loan

I have reached 120 qualify payments and can apply for loan forgiveness however FedLoans is saying that three of my payments that were made which I have documented and bank statements proving were made on time and were qualifying payments have not been included in this is delaying my forgiveness process. I have asked for a manual review as far back as XX/XX/2020 was still no resolution to this issue.
Product: Money transfer, virtual currency, or money service

Good day My complaint about Paypal Inc.for giving my account a violation which is not happened ( Ref ID - XXXX ). 
I need help with my Paypal account email XXXX to restored and remove the limitation because in XX/XX/XXXX XXXX XXXX utc i received email from Paypal Inc. that my account is limited that i can no longer use my account due to reason of ( sale of unapprove file sharing ) which is not true also they hold my funds making me unable to withdraw.I taking care of my account to avoid dispute or any violation of Paypal terms and condition my account is more than 5 years and maintaining good transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act.

This creditor have violated my rights.

UNDER 15 USC 1681 section 602 states i have the right to privacy. UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions. UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any
purpose