23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

It is not the denial that is the issue. i was told that if I applied and got denied for that term I could apply for a different term and not re-run my credit. Well i was going to add my husband and all of a sudden they wanted to re-run my credit. I didn't do it but I wouldn't have let them in first place and why i asked, they said my credit was good for 30 days then that changed. This same bank ran our credit twice for a mortgage loan. these multiple hits hurt us and I do not agree with this.
Product: Mortgage

I am trying to have my PMI removed since I am within .5 % of the LTV guidelines in order to have this happen. I currently have an LTV of 80.23 % and am aware that by law once my LTV reached 80 % I can request it be removed and the mortgage company has to do so. I reached out on XX/XX/2021 to have this issue resolved, not only could I not get anyone on the phone but I could not get a clear answer as to what department to speak to. I finally got ahold of the refinancing department and they agreed to mail me the proper documentation needed to have my PMI removed. Once I received these documents and read them at length they explicitly state that once my LTV reaches 80 % I can simply submit a request to have my PMI removed and once it is confirmed by my mortgage company they will remove it. It gives me the option to pay for a BPO or an appraisal but since I am only .23 % over the necessary requirements to ask for it to be removed, I intend to make the necessary payment to reach the 79 % LTV and just have it removed. I sent an email on XX/XX/2021 through the online portal about this and received a response on XX/XX/2021 telling me to contact caliber home loans. 

I reached out today XX/XX/2021 about this issue and was told that the investor who has my loan will not let me remove the PMI without doing a BPO or appraisal I explained to the woman on the phone that is not how this works and she did not have an answer for me. I also explained that I have letters from caliber that directly contradict what she was saying, and that the website says at 75 % it will automatically be removed. She was of no help and no further assistance, she couldn't even tell me what amount to pay to have the LTV drop below 80 %.

I have never missed a payment, and have been trying to get the PMI removed since the beginning of 2021. I can make whatever payment is necessary to meet whatever LTV is necessary to have my PMI removed but nobody at Caliber home loans is able to provide me with that information. I am the ideal candidate to have my PMI removed and I want it done, asap. The mortgage company is not willing to work with me, and it is not my burden to pay for a BPO when I have already met the guidelines. After this month my LTV will be 80 % or lower without me having to make an additional payment. 

I am requesting this be addressed immediately.
Product: Checking or savings account

On XX/XX/2020 a payment in the amount fo {$890.00} for my mortgage was sent to United Wholesale Mortgage through XXXX XXXX XXXX XXXX but did not reach this company due to being sent to the wrong P.O. Box number. According to the endorsement on the back of the check a company, XXXX XXXX, with XXXX XXXX, cashed/forged the check. I have reached out to XXXX Mortgage Wholesale Mortgage, XXXX XXXXXXXX XXXX and XXXXXXXX XXXX  to resolve this issue. I have been asked by XXXX XXXX to obtain a notarized Affidavit of Forged Endorsement from United Wholesale Mortgage stating that they did not receive the funds. I have been in touch with XXXX numerous times and they repeatedly say they will send it to the research department. But to no avail.
Product: Money transfer, virtual currency, or money service

In regards to how Zelle handles disputes, especially since CFPB lawsuit. I too have issues how they are handling consumers complaints. Although I have used Zelle numerous of times I have reached out to this company so that they could correct their errors. My financial institution and Zelle failed to investigate thoroughly. They also stated that they couldn't recover lost funds and that tracking these transactions were nearly impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations : enclosed and stated all violations listed acceptance now {$7100.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$570.00} {$550.00} {$570.00} XXXX  XXXX XXXX {$59.00} {$33000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$700.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Federal government Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX  ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Jewelers Contact Information XXXX XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX DE XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX inquiries XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Other collection agencies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA covers the collection of : Mortgages.XX/XX/XXXX
Product: Student loan

The school I attended was XXXX XXXX of XXXX XXXX in 2009. the schools tuition was about XXXX. I felt like the program wasnt true to their word because I never got to start a career in my field. I am struggling to pay back a loan for a school that didnt live up to the requirements nor is not even open anymore. XXXX took out 3 loans 2 with navient bka XXXX XXXX and XXXX XXXX XXXX  now now under a new name. The XXXX loan I have paid off but navient keeps taxing on interest that im going to be stuck with forever paying off this loan and I feel like the school was a rip off and I shouldnt be paying on it. Its also hindering me from getting things done as it brings my credit score down terribly.
Product: Checking or savings account

After attempting to get my money back from a company that was clearly a scam. They no longer have a site or anything for an order from XX/XX/XXXX order # XXXX for XXXX XXXX XXXX XXXX XXXX came to {$71.00} XX/XX/XXXX XXXX XXXX  spoke on the phone with XXXX at TD bank. 

Merchandise not received. 
They have since changed their email and stopped responding to emails and XXXX  in XXXX and XXXX. 

I was given a provisional credit was issued on XX/XX/XXXX and then it was taken back on XX/XX/XXXX and the bank stated that I made the purchase. Yes I did make the purchase my issue is I never received product and I have proof of communication and then lack of response to either refund me or send me my purchase.
Product: Credit reporting or other personal consumer reports

I recently found a fraudulent inquiry on my credit report that I do not recognize. XXXX XX/XX/year>. Can you please remove this credit inquiry from my Credit Report?
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY COMPANY Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ENHANCED RECOVERY COMPANY Reported : XX/XX/XXXX. I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. 

SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking for written verification from Experian credit bureau in reference to an account from pen air that they are reporting ... it has been more then 60 days and all they tell me is that it was verified but can not/will not provide me with any information as to how it was verified and refuse to remove it from my credit file. Both   XXXX   and  XXXX  have already removed this account from their files but Experian will not even provide me with any type of verification. This is severly effecting my abilty to purchase a home for myself and daughter as i am a single mother im sure you can understand why i am so concerned with this matter being handled in a timely matter. Thank you in advance for any help you can give me in resolving this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and frivolous things on my credit report. Till this day over 130 days later I still have not received a response. I feel like I'm being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 130 days so they should be deleted promptly.

in Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e ( b ) and 15 US Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately.

This has caused me significant damage to my credit score and has blocked me from being able to pursue business credit and being able to provide a better life for my family. I am in severe distress and i need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. 

As a consumer we should be protected from companies falsifying information on our report.
Product: Student loan

We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding XXXX XXXX applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has already  found significant evidence of misconduct by these schools. Specifically, XXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the XXXX  XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts.
Product: Credit reporting or other personal consumer reports

I had a cable account with XXXX. I believed that was satisfied when I moved out of the apartment complex I lived in at the time. I've already disputed the item on my credit report and asked for account and payment history, as well as debt validation. It seems XXXX, the company that I originally did business with, has two different companies that have now put items on my credit for the same thing, meaning there's two entries on my credit report for XXXXXXXX XXXX One is " XXXX XXXX '' and one is " Waypoint. '' The information listed is also inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened an account XXXX with Kay jewelers. In XXXX Sterling jewelers showed up on my credit report. I have never had an account with Sterling jewelers. I believe after speaking with Sterling Jewelers and their lack of cooperation. In order to continue reporting the collection account, after the Oregon statute period of 6 years, they used a new name and reported the account open in XXXX. The Kay account I had was closed in XXXX and never reopened. This account is over 8 years old. 
I have never had an account with sterling jewelers. 
XXXX XXXX XXXX XXXX stated they are allowed to collect under any name as long as they purchased the debt. The information on my credit report is completely in accurate. Despite requests to report accurately and multiple disputes they will not correct my report.
Product: Credit card or prepaid card

Citigroup and XXXX XXXX XXXX have made changes to their policies and are violating the law. They are using their power to restrict the Constitutional right to purchase firearms and firearm related supplies. This is in violation of 15 USC 1691a, They are not allowed to discriminate against my lawful right to purchase something just so they can appease a political viewpoint. This is could also be a civil rights violation as my actions are protected by the Constitution. If not corrected they could eventually be passing judgement on all of my transactions that might be considered politically incorrect. Please enforce the law.
Product: Vehicle loan or lease

I first want to say, I am highly disappointed and in shock that I even have to file a complaint on a company I thought held the upmost respect and honor of a consumer 's right. I feel disrespected and taken advantage of by XXXX XXXXXXXX due to the illegal violations and fraud that have been done with my information and in the simple finance charge contract. Below I will list what happened and how I was violated. 

On XX/XX/2021 I was in need of a vehicle and decided to go with XXXX XXXX XXXX and got a 2021 XXXXXXXX XXXX XXXX XXXX XXXX amounting in {$73000.00}. at the time of this transaction, a down payment of {$27000.00} was due, paid with a credit card. According to, 15 U.S Code & 1644 Fraudulent authorized use of credit card, I was violated. Car insurance was demanded as well before the car off the lot. That totaled in {$3500.00}. The monthly amount for this loan came out to {$1000.00}. According to, 15 USC Code & 1605 Determination Finance Charge, I was violated. I was desperate and in need of a car so I didn't make a hassle. After some months, my finances started to deplete which caused a-lot of mental and emotional stress. This lead me therapy! This matter also led me to do thorough research on my federal consumer rights. And again I am upset at the disrespect and the false deception of this contract.

I know these violations as goes against the truth and lending act, yet on the contract it says how the obey the TILA but actual or in-compliance. They can go to jail and be prosecuted for this. It's tax fraud, its embezzlement it's flat out illegal. I am hurt and I want help ASAP! 

Attached is all the documents, arbitration starts now!
Product: Mortgage

To Consumer Finance Protection Bureau : This letter is to file a complaint regarding my mortgage company and notify you of the following mishandling of a condominium property at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX GA XXXX. 

Regarding Midland MidFirst Mortgage I have had multiple discussions with people in different departments at Midland MidFirst Mortgage requesting assistance in the following circumstances which have resulted in major hardships and affecting FHAs property.

Having purchased my FHA loan, my mortgage broker explained that Midland has to uphold FHA guidelines. 
I finally reached out directly to FHA/HUD and was directed to one of their housing counseling agencies. Their representative said to file a complaint with the CFPB, because 1. Midland could have helped me but did not and now FHAs property is compromised, and 2. that FHA needs to be made aware. 
I have documents and notes regarding Midland Mortgage that I can provide. 

1. As ofXX/XX/XXXX, my homeowners Insurance was canceled due to disrepairs of my buildings failing foundation and crawl space, water intrusion, mold, likelihood of collapse, etc. 

2. As part of a townhouse condominium bylaws and covenants, the foundation, exterior, and roof repairs are the responsibility of the homeowners association / HOA as stated in the agreement signed at closing in XXXX. 

3. Since notifying the HOA in Fall XXXX of the issues, nothing was done, and the HOA is in breach of contract and has misappropriated funds and lacked adequate reserves to maintain or make the repairs. 

4. I paid an engineer to provide a report and a quote to remediate and seal off my interior. He said without the foundation and crawl space being repaired and remediated, the interior walls, ceilings, floors, pipes, etc. will continue to detach, and that the mold and sewage gasses enter from too many areas - your property is unsafe to inhabit. 

5. As a result, the property is not livable, and I am therefore homeless and sleeping on friends ' sofas since XX/XX/XXXX. 

6. In XXXX I tested positive for XXXX and XXXX XXXX. This has required extensive medical visits and I have had to delay testing to determine treatments because of the costs. 

7. The property is vacant and is not sellable or rentable. The HVAC sits in a crawl space where water continues to accumulate and therefore can not be replaced. 

8. I have continued to pay all mortgage payments since XXXX until recently, HOA dues, utilities, etc., but this has drained my savings and retirement ( now XXXX ). I need your help. 

Thank you for offering this service. A PAPERLESS response is requested, and I can be reached at XXXX or call/text XXXX. 

Sincerely, XXXX
Product: Checking or savings account

On XX/XX/XXXX {$300.00} was withdrawn from my account and I called and filed a claim to Wells Fargo which they denied after already canceling my card and sending a new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT CARD has made illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX CARD Made on : XX/XX/2018 Made with : XXXX Made by : JPMCB CARD Made on : XX/XX/2018 Made with : Equifax I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

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

I opened a bank account in Bank of America a long time ago I deposited a check from the job I had at the moment and the check was fraud I didnt now that so now I cant open bank account because all the banks say It can be a fraud I want to take that of my records