23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I are elderly retired people that survive on our social security income only. I had  XXXX   XXXX   XXXX  in  XXXX  and could not work any longer as a  XXXX   XXXX  and had to retire in  XXXX . My wife was knocked down on her job about 3 years ago by a forklift and could n't go back to work as a  XXXX   XXXX . My wife is on Social Security  XXXX  as a result of this on the job accident.     Our combined Social Security checks are not enough to pay the current the mortgage amount which we paid on time every month on time until last year. We requested modification of the mortgage from our lender,  US Bank and our modification request was approved late last year. We were advised that we needed to make 3 trial payments of {$830.00} in order to complete the modification. We had to leave the country for a few months so we called US  Bank on  XXXX / XXXX / XXXX  and spoke with  one  of their employees,  XXXX   XXXX   XXXX , our assigned representative. We informed  XXXX   XXXX   that  we were leaving the country for a few months and asked if we could have the trial payments automatically deducted from our bank account. We were advised that this was possible and th e 1st tria l payment was deducted from our back account via  XXXX   XXXX   XXXX  pay on  XXXX / XXXX / XXXX . We were under the assumption that the remaining two trial payments would be deducted automatically.     We called  US  Bank in  XXXX   XXXX  to inquire why the money was not deducted from our bank account and was advised that it was not possible to automatically draft trial payments from a bank account and we needed to have made the remaining trial payments and since the remaining payments were not received, loan modification was cancelled. We appealed this decision on the grounds that we not properly advised by  XXXX   XXXX  and we have proof that the money was in our bank account waiting to be deducted. We were advised that there is nothing that could be done and to re-apply for modification.     We followed their instruction and re-applied for modification a second time but our request was recently denied stating that we are now not able to afford the mortgage since we owe more money now, we are 11 months behind on the mortgage. This is unfair and we disagree with this decision when are in this position because their employee gave us incorrect information. Attached is the appeal letter we sent to US Bank challenging the denial of the re-modification of the our mortgage.
Product: Checking or savings account

Please review my checking and savings account for any unauthorized deposits and withdrawels.From this day forward no one is authorized to use any of the credit of XXXX XXXX XXXX .This only applies to the direct deposits from the Veterans Administration that are deposited into the above accounts.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX I, XXXX XXXX XXXX have reported to TransUnion and the Credit companies for the 4th time ( since XXXX ) of the unauthorized online transactions. I have put the freezes on the accounts and also changed devices. I have yet to have 4 credit inquires removed off of my TransUnion account. I have written the dispute letters as request. The verified responses, followed by more request for information is on record. 
The accounts I have been asking to be removed are the following as reported on report : XXXX XXXX Bank XX/XX/XXXX XXXX XXXX ( they activated the card! ) XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX These were unauthorized online hard inquiries that they will not remove even after a 100 day dispute. 
Please. I didn't authorize these accounts. 
I close all accounts if open if I didn't authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my mortgage on XXXX XXXX. LoanCare reported on my credit report as 120 days late at the same time as reporting my mortgage was paid off. I was in Forbearance due to COVID but have never been late. I have contacted my mortgage servicing company at beginning of XX/XX/2021 to have them take this off my credit. To this day I still have no resolution.I have also disputed it with all 3 credit bureaus still no resolution. My credit score has plummeted due to this false negative report on my credit.
Product: Mortgage

I have been trying to cancel my PMI for several months. My home has appreciated to the point where my LTV is now near or above 78 % requirement. I am willing to pay for appraisal. I've called customer service twice and been given a contact email address : XXXX which is an invalid address! I've used the " contact us '' form on the website and I've sent physical letter and received no response! Let me reappraise my home and cancel the PMI please. 

Archome loans, WEI mortgage, XXXX Archome loans ... all the same company as far as I can tell.
Product: Payday loan, title loan, or personal loan

I called and spoke with two different customer service agents. The first agent was of no use and hung up on me. I hope their call is recorded so they can disciplined. The second call was more pleasant, but not helpful. 

Upgrade is misallocating my loan payments. 

My XX/XX/XXXX payment of {$85.00} was my normal XXXX payment that due on XXXX ( my normal due date is the XXXX of every month ). Then, on XX/XX/XXXX, I made another {$100.00} regular payment ( that is, it was NOT A PRINCIPAL ONLY PAYMENT ). That should covered my XX/XX/XXXX payment due date. However, it did not. On XX/XX/XXXX, I made yet another payment and your web interface for my loan clearly stated that it was supposed to goes towards the XX/XX/XXXX payment. Thus, leaving my XXXX payment that would go towards XX/XX/XXXX. T Initially, your system did this without issue. However, for some reason your system has improperly changed things and misallocated my XX/XX/XXXX payment. Thus, causing a chain reaction to the XX/XX/XXXX payment and the subsequent due dates. I have provided you with a screenshot of my payment history and payment breakdown between principal and interest paid.
Product: Mortgage

BACK on XX/XX/year> My Mortgage CO. Roundpoint Mortgage put a Forced placed Flood Insurance policy on my Mortgage and not officially notifying me of this act until 4 days after the fact and they did this within the 45 day grace period that was aloud according to their official letter to me on XX/XX/year> that they did this to me... They charged me {$99.00} for the forced placed flood policy up until XX/XX/year> and so now I might have XXXX flood policy 's in effect I hope not...
Product: Credit reporting, credit repair services, or other personal consumer reports

my home loan officer had ran my credit for the following mortgage loan companies without my consent XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX, XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, also a XXXX  XXXX XXXX credit card was applied for online without my consent on XX/XX/XXXX XXXX was ran on m y credit when I was getting a cell phone without my consent as well on XX/XX/XXXX Also, when I went to the dealership XXXX of XXXX ran my credit through XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX  without my consent when they said they were not going to pull my credit report. I was inquiring how much my payment would be if I bought a car with them.
Product: Checking or savings account

XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/1978 XXXX XXXX XXXX XXXX, Alabama XXXX Early Warning XXXX XXXX XXXX XXXX XXXX, Az XXXX ( XXXX ) XXXX Dear Early Warning Services, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an Early Warnings report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 

Please verify the following account or remove it immediately. 

Account Closed by XXXX XXXX  XXXX XXXX Account # XXXX Closed for Cause- Purged Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXXXXXX Account NumberXXXXXXXX XXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. '' XXXXXXXX XXXX XXXX  Account Number:XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks. 

XXXXXXXX XXXX XXXX  Account NumberXXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks. 

XXXXXXXX XXXX XXXX  Account NumberXXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove this late remarks.
Product: Credit reporting or other personal consumer reports

All credit reporting agencies have merged me and twins accounts together. Im am unable to log into XXXX to dispute information because of this. I have also disputed with TransUnion in XXXX of last year but they are still reviewing it. My twin who shares a name very close to mine, has also disputed from his end & has not had any success. 

Please help. Im looking to change my social security number because I feel like this will just happen again.
Product: Credit card

On XX/XX/year>, at XXXX, I received a series of emails claiming I had successfully registered for a credit card through CapitalOne. I had not done so, and upon checking the aforementioned emails, I contacted CapitalOne directly. They stated that they would begin investigating and recommended I contact my local precinct regarding the situation. 

I contacted the Police Department regarding this and opened a Fraud case. I also opened a case with CapitalOne, to which they confirmed the case as a True Fraud case. Investigations are still commencing.
Product: Mortgage

My Va Loan is being serviced by Freedom Mortgage Corp as of XX/XX/XXXX. 
I have never been late or not paid my mortgage. There was an issue with porting over my over XXXX exemption and an issue with taxes being corrected from previous owner. 
I did not receive anything advising me of the increase of payment by {$250.00} for XX/XX/XXXX and that payment was short by that amount only due to lack of knowledge that there had been an increase in my payment related to taxes. No one called to advise me of this and I received no correspondence to advise me of a change of the payment until XXXX of XXXX. In XXXX I Paid my regular Mtg amount plus 2X the additional XXXX to equal XXXX. 
The only time I have not paid the accurate amount on my mortgage on time was XX/XX/XXXX when the payment was short by {$250.00}. Once I knew of the increase I paid for both XXXX and XXXX increase in XXXX. The only reason I did not pay my mortgage correctly was because I was not advised of the increase for XXXX until XXXX of XXXX. I have made every attempt to have Freedom Mortgage remove this a late mortgage payment on my credit report. As a result of this incorrect reporting I have been turned down for credit.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Amount : {$3500.00}. 

Account name : XXXX XXXX, XXXX Account number : XXXX  Date opened : XX/XX/XXXX Amount : {$120.00} I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, 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 # ( XXXX ) 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: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX, IA XXXX **Subject : Opting Out of Credit Reporting and Violations of the Fair Credit Reporting Act and the Privacy Act of 1974** **Account : XXXX XXXX To whom it may concern, I am writing to formally opt out of any credit reporting on my consumer credit reports and to address violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974 ( 5 USC 552a ).

As a federally protected consumer, I assert my right to privacy as outlined in the FCRA, 15 USC 1681a, and invoke my right to opt out of any reporting on my credit reports. Reporting my transaction history without my explicit consent is illegal and violates my rights under the FCRA.

According to 15 USC 1681b, I have never given written authorization to report personal information on my credit reports. Furthermore, P.L. 90-321 ( 82 Stat. 146 ) specifies that any agency can only access my report in response to a request by the head of a state or local child support enforcement agency.

In addition, 15 USC 1681c states that no consumer reporting agency may make any consumer report containing adverse items of information other than records of convictions of crimes older than seven years. Any derogatory mark on my report is a violation of this section.

According to 15 USC 1681n, civil liability for willful noncompliance allows for damages of not less than {$100.00} and not more than {$1000.00} per violation. I can prove willful violations and am entitled to compensation.

The Privacy Act of 1974 ( 5 USC 552a ), subsection ( b ), states that no agency shall disclose any record without prior written consent. I have never authorized such disclosures.

Per 12 CFR 1016.1 ( Regulation P ), I have the right to opt out of disclosures to nonaffiliated third parties. Companies must provide a privacy notice and comply with opt-out requests promptly, as per 12 CFR 1016.4 and 1016.7. I have not been given the opportunity to opt out of any reporting. Additionally, 15 USC 6802 requires opt-out notices for any information added to my consumer reports.

Given these violations, I request the removal and deletion of the XXXX XXXX account reporting on my credit reports. This is an opt-out notice and removal request, not a validation or verification of debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

After XXXX years of making timely payments on my XXXX loan for a travel trailer with Bank of the West , I encountered issues when they merged with BMO. Due to a disconnect in their systems, my monthly autopay was disrupted without any notification. As a result, my account was sent to collections after XXXX months of missed payments. Despite promptly settling the full amount once contacted, BMO has refused to remove the negative impact on my credit record, stating the reason is that I should have noticed this while balancing my checkbook. I don't even have a checkbook! 

Is any recourse available to remove this derogatory mark from my credit history?
Product: Credit card or prepaid card

Fraudulent charges were made as follows : XX/XX/2020 {$830.00} XX/XX/2020 {$150.00} Disputes were filed online without any sort of acknowledgment. Then we followed up with a letter to the company with the details. We had a total of three charges. We believe one was taken care of based on a refund we saw on the loan. We then also received a vague letter that did not reference an amount, date or anything.
Product: Credit reporting or other personal consumer reports

I have attempted several times to get this company to comply with ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They are refusing to lawfully comply which is also a violation of The Privacy Act of 1974, as amended, 5 U.S.C. 552a, which establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.16 CFR 313.7 - Form of opt-out notice to consumers ; opt-out methods. ( f ) Continuing right to opt-out. A consumer may exercise the right to opt-out at any time. They are also in violation of my copyrighted name and are now committing identity theft by me opting out and not having my express written consent and authourization.
Product: Credit card

On XX/XX/year> I was made aware by Chase Bank and XXXX  that my credit cards had been compromised. I immediately Canceled those cards and told them that all the charges were fraud. I contacted my bank, XXXX and XXXX about being hacked and someone taking my information from them as well. XXXX, my personal bank, XXXX, and XXXX all noted that the charges were fraud. Initially, Chase bank did say the charges were fraud and at this point everything that was fraud was removed from all of my accounts. I got new cards and assumed everything was taken care of. XX/XX/XXXX, I noticed that the XXXX charge from the fraud charge was placed back on my Chase credit card. I contacted Chase and stated that this was a fraud charge from back in XXXX and I wasnt sure why it was back on my statement.I told the representative everything I have just stated above and initially he told me that this charge was credited back to my account and that it was a mistake that it was on there. I then asked why it was put back on my account on XX/XX/XXXX if it was already voided. He then sent me to somebody else who told me they declined the fraud charge. I have never used XXXX with this specific card and I havent used XXXX in years. I also have never made charges this expensive in the two years that I have had my Chase card. I asked that they dispute the charge again and this was either XX/XX/XXXX or XXXX. On XX/XX/XXXX, I received a notification saying that they looked through their evidence again and say that it is not a fraud charge in the balance will stay on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies furnishing inaccuracies on my consumer file. On XX/XX/XXXX I sent a letter to US Bankruptcy asking if they furnished or was asked to furnish an alleged bankruptcy on my consumer report by the big 3 consumer reporting agencies? ( XXXX, XXXX, and XXXX ) I Received a letter dated XX/XX/XXXX from US Bankruptcy XXXX XXXX XXXX New York stating that they are not associated with any consumer reporting agencies. What is included or expunged is from a consumer report is determined by the credit reporting agencies. Since Lexis Nexis did not get this information from the court, I need to see a copy of the documentation you have in my consumer file as to where they did receive this information. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens and legal alien residents.

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are reporting date filed on XX/XX/XXXX, while XXXX is reporting the date filed as XX/XX/XXXX. 

Thus, making my consumer file inaccurate. 

The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. XXXX reports the reference number as XXXX, XXXX reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well.