23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We contacted our mortgage company XX/XX/XXXX to request PMI removal. They sent a package that outlined two options for a primary residence. Option 2 involved paying for an appraisal and required a value that supported a loan to value ( ltv ) of 80 % or less. We were out of country and sent the package back in XX/XX/XXXX. Upon our return we signed the documentation and included a check for {$450.00} for an appraisal. The mortgage company ordered the appraisal, we scheduled, and the appraisal was completed. I followed up two weeks later after not hearing back. A return call indicated our value was not supported, but they stated the ltv was XXXX, which was below the 80 % term agreed upon within the documentation provided, and executed by cashing the check. The representative went on to advise that the ltv requirement is 75 % not 80 %. I informed them of what the letter stated and after escalation, I finally spoke to someone that advised the letter was possibly revised. We have a binding agreement drawn on the terms they issued, and we accepted, which they also accepted by cashing the check. We are simply asking they cancel our PMI as agreed upon in the original terms. We are not far off of the " new '' 75 % requirement, so they should feel comfortable from a risk perspective to cancel as agreed upon.
Product: Checking or savings account

I moved XXXX from my saving to my checking to pay a bill. Once I moved the money XXXX came into account removed XXXX. My saving account went down to XXXX. I called XXXX their records show they collected money loss money and gained money. All while the bank say they never gave XXXX money but rather they put it in saving account but balance never went up. I filed the complaint got print out from bank showing a discrepancy banker in bank and online file a dispute. They closed the dispute saying they don't owe me. Won't account for my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not contact company to update my phone number on my extended 7 year fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with XXXX XXXX XXXX Payoff in the amount {$100000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a balance at XXXX but the mail was sent to an old address. Once I received that XXXX mail at my new address I paid it off directly to XXXX. XXXX never called or emailed me when they couldn't get in contact with me via mail. I don't know if XXXX mailed my old address, but they never called me. The total was {$220.00}.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

CAPITAL ONE XXXX Balance : {$0.00} ;
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX, Experian, and XXXX have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE {$2500.00} ACCOUNT OPENED ON XX/XX/2021 REPORTED AS COLLECTION. 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Yes this I filed a dispute with this company this company credited my account and rated the issue was resolved then weeks later took the money back out my account and started charging me numerous over draft fees of XXXX $ and then closed my account I was with this company over 3yrs and they put my account negative over XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA charged off my account in XXXX of 2017 but since then has continuously been reporting my account late every month. I have XXXX credit cards with USAA that are reporting in this way. I have contacted USAA on multiple occasions but they are unwilling to resolve the issue. An account can show a charge-off status plus late at the same time.
Product: Credit card

I been involved in a data branch and having financial hardship and I am having troubling making my minimum payment amount.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. 



According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " 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. " Transunion, XXXX and XXXX are consumer reporting agencies and I am the consumer. 



I have the right to make sure my private information isn't shared which is backed by XXXX5 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency may also 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. '' These accounts are adverse items, and they are reporting without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   XXXX , still insists through  XXXX   XXXX   XXXX ,  XXXX , that I should contact Rodriguez Fernandez Law Offices , LLC in  XXXX   XXXX   Puerto Rico, on   a U.S. Postal  Service Certified Mail Received today,  XXXX   XXXX ,   XXXX   at our residence, that Monday through  XXXX , from  XXXX   XXXX   XXXX   to  XXXX   XXXX , I should call them if I have questions, and they want me to pay the whole amount of  XXXX  dollars  XXXX  cents, letter received today included, i s in Spanish in just one payment? But   this account is under a certified payment agreement with the same  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  (  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , and today I made the fourth payment of this agreement at  XXXX   XXXX   XXXX   XXXX , in  XXXX   XXXX   XXXX ,  Puerto Rico, see  included receipts. I was unable to contact the lawyers listed by  XXXX   XXXX   XXXX  as  XXXX   XXXX  Representatives, because not only I saw this letter today after arriving home after  XXXX   XXXX  and I should not wait for this until next Monday, but  XXXX   XXXX  is well aware of this problem, and they should contact  XXXX   XXXX  also, but is not happening.  XXXX   XXXX  has another complaint here about this, number  XXXX   XXXX , but this  one  I want to submit against  XXXX   XXXX  and their representatives h ere in Puerto Rico.
Product: Mortgage

Mortgage was released from a Chapter XXXX bankruptcy in XX/XX/2018. Arrears during the bankruptcy process {$22000.00} were paid on XX/XX/2018. Ocwen assessed on XX/XX/2018 billing statement {$1300.00} for foreclosure fees. XXXX XXXX Florida has no record of any foreclosure filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent an FTC Report the Experian, along with a letter, informing them of the information on my credit report. I informed them that they were not my accounts, and that they were the result of identity theft.I asked then to remove the accounts from my report per 605B of the FCRA. Its been over the allotted timeframe, and they have not removed all of the accounts.
Product: Credit reporting or other personal consumer reports

I recently returned to the United States and checked my credit report from Equifax, where I discovered numerous inquiries that I do not recognize and did not authorize. These inquiries are as follows : XXXX XXXX  XXXX on multiple dates, most recently on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX These inquiries are unfamiliar to me, and I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. Given that I have been a victim of identity theft in the past, it is likely that these inquiries are fraudulent and not initiated by me. 

In accordance with the Fair Credit Reporting Act ( FCRA ) 1681b ( c ), which outlines permissible purposes for accessing a consumer 's credit report, unauthorized inquiries that are not related to a transaction initiated by the consumer are violations of my rights. 

Therefore, I request that the Consumer Financial Protection Bureau investigate these unknown inquiries thoroughly. Please provide clarification regarding the purpose of these inquiries and take necessary action to remove them promptly from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

School : XXXX UniversityLocation : XXXX, XXXX took out my first loan in XX/XX/XXXX to pay for college when my parents fell on hard times. The loan is with Chase for {$11000.00} and has accumulated over {$8800.00} in interested since the beginning of my loan. I have paid over {$2800.00} on the loan but it continues to increase as payments have little impact on the principal of the loan. I began contacting Chase in XX/XX/XXXX regarding issues with payment application and was told multiple times that payments are only applied to interest. By end of XX/XX/XXXX, I had paid interest down to less than {$300.00}. Since then over {$6000.00} has accumulated in less than 4 years. I have since contacted Chase on over XXXX occasions. 
The various changing statements and loan notices have been confusing and difficult to understand often missing information regarding the accumulating interest. XXXX of the major issues is the fluctuation in interest charged each month. I have been told interest incurs about {$5.00} a day and can change each month resulting in variation in monthly interest. Therefore, Chase is unable to give me a calculated amount of interest for each month. I have also been told my interest rate changes quarterly, however documents reflect no changes in my interest rate each quarter. I have requested a breakdown of monthly interest charged to my loan since the begin specifically searching for an explanation in interest growth over the last 3 years. This request has either been denied, ignored or responded with copies of statements for the last 6 months. I have requested an amortized schedule and was immediately denied. I was told this information would be available through my online account, but the online account only supplies access to most recent statements. 
Because Chase no longer provides student loans I was informed I can not refinance my loan with Chase. I am also unable to refinance this loan with my bank due to my student loan being drastically greater than my income. I have offered to settle on XXXX different occasions, however I have not received responses for my request. 
I am struggling to pay my student debt and will eventually be unable to pay this loan at the rate it is increasing. I recently received a notice that my loan will be transfer to XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to XXXX and Experian an account balance of {$2300.00} on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I received a notification from XXXX XXXX and XXXX  stating that I had a hard inquiry on my credit report. When I checked, the inquiry was from Credco. I have not requested any lines of credit or anything that requires a hard inquiry to be performed. I've read that this can be a sign of identity theft.