23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is to raise a concern on the mortgage servicing practice carried out by my lender - Home Point Financial ( which is now Home Point ). Our loan was sold off to this company right from beginning. At the time of closing, we couldn't afford to make complete 20 % so we had to pay PMI until we reach so. Now with additional principal payments I should be able to reach there soon and avoid the PMI and this is where the problem started since I had to work with the Mortgage company. 

I contacted the company multiple times regarding this and they mention the only way I can do something is to e-mail at XXXX. There is no phone contact number to them. Also their response time to every mail is 60 days!. I have been trying to reach them through e-mail couple of times now and they never get back. It is unacceptable for people like me to pay PMI even after reaching 20 % only because the mortgage company is slow in working on it. 

Apart from this I have also been trying to setup bi weekly payment with this company for 1.5  months now with multiple calls and 2 times form submission with required documents. However every time I contact them, the customer care tells me the bi-weekly payment is still not setup. 

These lending practices are simply awful and are a nightmare to everyone. Any improvement in this regard would be very useful to millions of customers like me. Also please help me get a response back from PMI team on my issue.
Product: Money transfers

On XXXX XXXX, 2016, in XXXX XXXX, MoneyGram accepted funds and I was issued a Moneygram wire for {$2400.00} ( I also paid wire fees of {$110.00} ), to be picked up by me when I later was to travel to XXXX in XXXX. 

However, on XXXX XXXX, I checked the online status of my transfer and discovered that Moneygram had already paid out the money within 24 hours to an unknown third party. I demanded my money in a telephone call to Customer Support on XXXX XXXX, but Moneygram refused to pay me the amount or refund it to me. In violation of Regulation E, Moneygram did no investigation within the time frame required, did not provide any documentation regarding the payment to the unknown party and did not advise me of my right to see relevant documents. 

It is suspected that a fake XXXX landlord, who required and to whom I sent proof of available funds ( only a copy of the receipt but not actual payment ), picked up the wire posing as me. I have no knowledge of who Moneygram actually paid, or their true identity. It is also possible that the Moneygram agent colluded with the con artist. 

Moneygram also failed to investigate the circumstances surrounding the payment or maintain and provide records as required by Paragraph XXXX of its internal rules and by XXXX. More specifically, Moneygram has not presented copies of the payment transaction or the " valid ID '' of the alleged payee as required by the applicable laws. 

Moneygram represents its service to be secure and trustworthy according to the Moneygram website and advertisements, using the boldface buzzwords " peace of mind, '' " send securely, '' " easy to receive, '' " reliable, '' which also point out that the recipient will need to show " a valid photo I.D . '' Moneygram 's internal rules and XXXX XXXX XXXX XXXX ( Paragraphs XXXX and XXXX ) go to great length about how Moneygram avoids fraud and requires valid identity confirmation from all recipients. Although Moneygram has numerous rules applicable to its agents regarding proof of identity, there is no evidence that these rules were followed by Moneygram or its local agent. What identification was presented to their agent? Moneygram has not provided that bit of information. 

According to the Federal Reserve, Reg E protects consumers even when they make mistakes -- even mistakes such as writing their PIN number down in a place where a crook can find it. The Federal Reserve 's staff opinion on Reg E states that " Negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. Thus, consumer behavior that may constitute negligence under state law, such as writing the PIN on a debit card or on a piece of paper kept with the card, does not affect the consumer 's liability for unauthorized transfers. '' So even though I sent a copy of my receipt to the con man, it was still incumbent on Moneygram to follow Reg E, investigate timely, provide records, notify me of my right to see those records, and verify the identity of the person who picked up my money. They failed on all accounts.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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: Money transfer, virtual currency, or money service

I was scammed by a buyer on XXXX XXXX  who sent me fake emails from zelle asking for {$300.00} in order to get the {$50.00} that they owed me for the product. I used zelle to send him the money and then realized that I had been scammed once the buyer was no longer reachable. I called XXXX and zelle to ask for help and they said that since the money had already been sent there was not much they could do. I am requesting that the {$300.00} i sent to this person be refunded back into my account because I was scammed and forced to send this money to them based on their emails.
Product: Student loan

I had an existing 6-month grace period on my student loan account. When I applied for an unemployment deferment, it overrided my grace period, cutting it short. Now Great Lakes is saying I must pay up soon. 

Furthermore, I am in graduate school. 

I am publishing this information to the Consumer Financial Protection Bureau for others to see.
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and noticed a plethora of inquires that i do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports and must be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts, they have been placed on my consumer report without my knowledge these are all fraud
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX  days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit reporting

I never file a BK and It was removed from XXXX but is reporting to Experian and XXXX XXXX.
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 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX, has violated my rights. 

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

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

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this complaint to inform your department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Balance : {$11000.00} This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

Car has been paid off from other party XXXX XXXX and also ally gap paid. This was due to other car crashing into my car. Westlake financial has been paid off. They are ruining my credit report stating I am at delinquency. They are the worst bank one can bank at they have fraud many people including myself with my other vehicle its completely paid off but their saying I still owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying down my Credit Card balances, but this decrease in the card balance is not reported in a timely fashion, as opposed to ANY increase in a card balance, which seems to be updated in a matter of days. I have paid down thousands of dollars in Credit Card debt, but my percentage of use never changes. This is critically impacting my ability to get credit to add available credit, which would lower this percentage of use as I pay these balances down. 
This is clearly both negligence in regard to the consumer, while at the same time offering only cards with high annual fees which finically benefits the Credit Reporting agencies, besides implying that paying to upgrade to a service offered by the reporting agency would assist in increasing the consumer 's credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax hack leaked my SSN, date of birth, and address. It was confirmed on the Equifax website that I was affected by this. That 's just lovely ...
Product: Debt collection

XXXX, XXXX and XXXX XXXX have trying to collect amount of {$460.00} from me over past XXXX XXXX. I am disputing again since XXXX XXXX XXXX filed derogatory collection at XXXX in late XX/XX/XXXX. 

The previous debt collection in same amount filed in XX/XX/XXXX was resolved in XX/XX/XXXX after I disputed with both XXXX and debt XXXX. XXXX said my account was no longer there, and it was XXXX XXXXXXXX fault to file at credit agencies. I just wish XXXX XXXXXXXX do the right works, and stop harm consumer and honorable individual.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Personal Information : Employers : XXXX XXXX XXXX : XXXX XXXX XXXX  Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX AZ XXXX {$1200.00} XXXX FUNDING XXXX XX/XX/XXXX {$250.00} ONLINE IN SV XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXX XXXX MRV/VERV-REV XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXX
Product: Mortgage

My house was put into XXXX names on the original purchase in XXXXXXXX my name XXXX XXXX XXXX XXXX XXXX, mothers name XXXX XXXX XXXX, and my fathers name XXXX XXXX XXXXXXXX XXXX  with rights of survivorship on the deed of trust. I had to file for a loan modification in XXXX  because of my mother, who passed away XX/XX/XXXX, had become bed ridden and I was unable to work and care for her XXXX hrs a day. PHH Mortgage says I am not on the loan modifications but, for several years when mortgage payment statements were sent, they had both my name and my mothers name. It was very convenient for PHH Mortgage to somehow drop my name off the mortgage statements when they started foreclosure proceedings on my home. This caused me to file bankruptcy multiple times over the years. In between foreclosure proceedings and bankruptcies they would talk to me and discuss the loan however, all communications with me would stop every time they started foreclosure proceedings. I had to file bankruptcy again XX/XX/XXXX to stop a foreclosure once again.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXE Account Number XXXX XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 Accounts with Transunion, I received a letter from Transunion with their investigation and verification results written in XXXX?!? 
I am a US Citizen and Transunion is a US Company, why did they send me a dispute result letter in Spanish? 
Absolutely unprofessional and a clear violation of FCRA rules. 
So now the 30 day period has passed and TRANSUNION NEEDS TO DELETE THE BELOW DISPUTED ACCOUNTS BECAUSE THEY DID NOT FURNISH ME ANY DISPUTE INVESTIGATION RESULTS IN 30 DAYS AND IN ENGLISH! 

XXXXXXXX XXXX XXXX  # XXXX remove this inaccurate account, because you didn't respond to my last dispute in English and in the required 30 days. 

XXXX XXXX XXXX # XXXX*Please remove this inaccurate account, because you didn't respond to my last dispute in English and in the required 30 days.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

dear sirs, submitted id theft report, ftc report # XXXX, police incident report and transunion, XXXX continue to report on my credit file about a bankruptcy.i never filed for a bankruptcy and a bankruptcy is showing up as public record in my credit file. 
please indicate to transunion and XXXX that they are reporting incorrect information in my credit file.I already sent them documents attached and still they continue to report incorrect information about public record, bankruptcy.
Product: Credit card or prepaid card

My Discover Card was charged with purchases I did not make. I contacted Discover and they initially gave me a credit. I asked them to close the account and they said I didn't have to close the account due to the fraud, that they would handle it. All purchases were reported and they assured me they will take care of it. They issued a replacement account and then put all of those fraudulent charges on the replacement account. I tried to dispute again but they didn't take care of it. I ended up paying a total of {$1100.00} between the fraud and the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUEST THAT LexisNexis, Suppress my public and personal data from their services online and delete and or remove court and criminal information due to ID THEFT. AND FRAUDULENT INFORMATION THAT THEY HAVE IN MY GOOD NAME. AND THEIR AFFILIATES, SUCH AS CLUE, CHOICE POINT AS WELL AS SAGE REPORTING AGENCIES. 
IT IS MY RIGHT TO CHOOSE TO OPT-OUT OF THE SAID ABOVE COMPANY SERVICE 'S. 
I HAVE SENT MY IDENTIFICATION TO LexisNexis on five occasions and they continue to request my ID 'S over again and again for my LexisNexis consumer reports. 
The court records and insurance claims are false, that the said above consumer reporting agencies carry in their data systems in my good name causing liability damages to me and my family.
Product: Checking or savings account

I had a purchase through Chime debit card that turned out to be a fake website with no working email and no support contact. I reported to Chime right away that my card had been used for a fraudulent transaction. They took absolutely no action to secure my account, so after many ignored chat messages to their customer service, I finally closed my account. Then, because I transferred my money to a secure bank, and thought I had overdraft protection ( evidently just card transactions ). My ACH debit was returned and I had to pay a {$40.00} fee because Chime is too incompetent to issue a new card in a fraud case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/XXXX I got a email notification from XXXX XXXX that my score went up due to the removal of false payment information that I had disputed regarding a car loan from Wells Fargo way back inXX/XX/XXXX that I do not owe monies on any longer.. I will be happy to screen shot the email as proof because I still have it in my inbox. However, on today XX/XX/XXXX the company has fraudulently reported that I am behind in payments which makes no sense because I dont even have a car loan with them anymore and paid the car off more than 7 years ago. Wells Fargo continues to fraudulently report that I owe an amount that I do not owe. What they are doing is not only unethical but illegal. The account was opened for a car loan in XXXX. The car was paid off in XXXX yet they continue to harass me and lie on me stating that I owe monies and am behind on payments when I have had to make a car payment to them in years. This is really crazy! They only do this when I report to the credit bureau that I do not owe this amount. I would like for Wells Fargo to quit lying and reporting false information to the credit bureaus. and take the false information off of my credit report.. I dont see how this company is allowed to get away with this fraudulent behavior. I would like this payment immediate removed off of all three credit bureau reports because I do not owe them any money and have not had a car payment from them in over 7 years.