23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Everything started between XXXX and XXXX. We bought the house in XXXX XXXX. We paid for an inspector to come out and inspect the home. He said everything looked to be good. He said the previous water damage has been fixed and it was not. He lied to us about the whole thing. When we called the housing inspector he said he was bonded and licensed so we called the insurance company that he had and we were getting the run around. We hired an attorney and he proceeded to file the correct documentation. He filed a lawsuit against the gentleman and his insurance company. The gentleman had documentation he was covered under the insurance. When our attorney turned in our documentation showing the inspector had insurance the inspector said he did not have insurance when he inspected our house. When that happened the insurance company denied the claim. When he did that he also filled bankruptcy, we were not allowed proceed any further because the claim was denied by the insurance company. We could not sue the inspector because he filed for bankruptcy. 
At that time I continued to call my current mortgage company, XXXX and explain the situation. They told me I would need to pay 20 % of the home value to be able to have the PMI dropped. I explained I could not do that because I did not have the funds for the PMI to be dropped so we could fix our house correctly. They told me, that there was nothing they could do until I paid the 20 %. And the mortgage was transferred to a different company. Every time we requested to have the PMI taken off we were transferred to a different mortgage company. Each time it was changed I proceeded to call the company multiple times and they would tell us there is nothing they could do for us. It has gone on until today. I believe this is now the XXXX mortgage company in 9 years. I have paid my 20 % on my loan. And still to this day they still have not dropped the PMI. I am still paying over {$820.00} a month on a mortgage loan of {$74000.00} with the PMI at {$260.00}. My mortgage is paid down to a balance around XXXX when I paid a lump sum of {$6000.00} in XXXX to bring my mortgage down to the 75-80 % mark to be able to drop the PMI. My mortgage is down to about the 70-71 % mark now. And I have paid about {$8000.00} now on my PMI. And we have never been late on a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

I have already made and scheduled extra payments that cover the amount of the original loan and a months interest- they want my to pay XXXX on a XXXX dollar loan
Product: Credit card

Refer to complaint [ Case number : XXXX ] I can not view anything about the response from Discover to my complaint in nor at the link that you have provided below. Please send me the same in regular text via email so as to have transparency. 
https : //XXXXconsumerfinance.govXXXX
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX ", XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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: Debt collection

I have filed complaints with CFPB regarding Discover Card. Their letters reflect : " Should you have further questions or concerns, please feel free to contact me at XXXX. I am typically available XXXX, XXXX XXXX. to XXXX XXXX. ( ET ). Sincerely, XXXX XXXX. Executive Office of Customer Advocacy '' This is false. I have called and left messages with no return calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about CITI CARDS CBNA and XXXXXXXX XXXX XXXX. I noticed 2 unknown, unrecognized inquiries on my credit file. I have contacted both companies to remove this inquires dated, the first one is dated XX/XX/2021 and the next is dated XX/XX/2021. 

Because I did not apply for credit with CITI CARDS CBNA, I have also reached out asking that they remove the inquiry from my credit profile, the contact address i reached out was XXXX XXXX XXXX XXXX XXXX, SD XXXX. The address attached to the inquiry. 

Please launch an investigation into CITI CARDS CBNA inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if CITI CARDS CBNA is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.
Product: Credit card

I have always made sure to pay this account promptly, ensuring nothing becomes overdue. I don't understand why there are reports of late payments on my accounts. As per 15 USC 1666b, any billing errors should be fixed.
Product: Debt collection

XXXXridgecrest Financial has failed to allow me to exercise my federal rights and validate this alleged debt pursuant to 15 USC 1692g ( a ).

Bridgecrest has honored my cease and desist by stopping communication you have admitted to wrongdoing. A cease and desist has two parts cease of communications and remedy these are not separate. By honoring my cease and desist you shall honor my remedy pursuant to 15 USC 1692c ( c ).

Pursuant to 15 USC 1635a my right of recission was not disclosed to me which is a violation. No forms were delivered to me to exercise this right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account # XXXX was paid and closed in XX/XX/2023 and is still being reported on my credit report and is hindering me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed inquiries that I did authorize to have check my credit report. I have ask that these items be removed from my credit file because I hadn't authorized them, and they still remain on my file.
Product: Checking or savings account

Capital One Bank has known about their banking issues since XX/XX/XXXX and have failed to let their customers know they have been hacked. I did not receive an email with an explanation until XX/XX/XXXX XXXXpm. I do not have access to my direct deposit. I have bills to pay. Capital one has no interest in their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on my credit report. The results of the investigation came back verified. I then requested verification of whatever documentation was used to verify the accounts and public records that do not belong to me. I was told by a rep and that rep 's supervisor that the accounts and public records were verified electronically and there was n't any documentation to send me. The FRCA tells me that they are required to provide proof of those documentation upon request or delete the accounts and/or records from my file. They have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or they can not verify any of those accounts and/or records and under Section  611  (  5  ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the  Civil  liability and the remedy available to me for? negligent noncompliance?  ( Section 617 )  if they fail to comply with this  Federal Law.  I need more than just the creditor electronically verifying the accounts. I need to know how they verified them, and that means more than just taking the creditor 's word or reliance on some " signed agreement '' with the creditors to report accurate information. I need tangible proof that these accounts were verified.
Product: Mortgage

XX/XX/XXXX Ref : SP Servicing ( SPS ) Account # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX Dear Sir or Madam ; There are several main reasons for my personal hardship, with special emphasis on numbers 4-8 : 1. I was unemployed from XX/XX/XXXX until XX/XX/XXXX. I received unemployment compensation during that time, lived on my saving and still managed to pay the mortgages. 

2. The tenants for the property lease expired XX/XX/XXXX and I could not find a tenant after XX/XX/XXXX, after school started. School started early in XX/XX/XXXX, by XX/XX/XXXX. 

3. I suffered damage to my personal home from Hurricane Harvey.  FEMA did not pay and they referred me to the XXXX, who denied me a loan. 

4. I was granted a Hurricane Harvey Waiver through the XXXX  ( XXXX  ) HHW Program in XX/XX/XXXX, where 4 months of payment would be added to the end of the loan, and regular payment were to start XX/XX/XXXX. I made the XX/XX/XXXX payment early in XX/XX/XXXX. 

5. XXXX sold my loan to SPS and did not send over all my files, especially those documenting the XXXX HHW program. 

6. Without my knowledge, consent or discussing it with me prior to SPS taking other action, SPS put me into another program without discussing my options or attempting to locate the missing HHW program from XXXX. The SPS arrangement raised the payment from approximately {$2700.00} to {$3800.00} a month, which I can not afford. Now I am force to either sell the property or go into foreclosure. 

7. When I tried to make the payment for XX/XX/XXXX, when SPS told me they did not have a signed XXXX  HHW documents for me for the program nor an electronic copy. SPS claims they have no knowledge or paperwork related to the program and claim they have all related XXXX documents on my account. After having several conversations regarding this matter with them, the SPS representative stated they received all XXXX records in XX/XX/XXXX. Thats when it became clear to me XXXX did not relinquished all required files for me to SPS, or SPS loss key private documents in transits which violated the data privacy laws. 

8. Also, effective XX/XX/XXXX, the GDPR is in effect for European countries or US companies doing business globally, which XXXX fall into that category, probably SPS as well. Violating that law required mandatory data breach notification within 72 hours ( which I have not received ) and steep fines of up to 4 % of global revenues. 

I am formally requesting you contact XXXX for the approved Hurricane Harvey Waiver Program documents and honor them. I feel I am forced into this situation because both your organizations dropped the ball in completely transferring my files over, as required. SPS is forcing me to sell my house. If I were allowed to go through the CM-HHW program, with them placing the four months ( XX/XX/XXXX through XX/XX/XXXX ) at the end of the loan, I owe approximately {$10000.00} not {$24000.00}. Finally, I am only behind the {$10000.00} because SPS refused to take a normal payment of {$2700.00}. 
Thank you for your consideration. 

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

On XX/XX/year>, I formally disputed and requested verification of XXXX accounts reported by Equifax pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ). I provided Equifax XXXX  days to respond with legally required verification details, including the method of investigation, copies of original documentation, the identity of the verifying entity, and a summary of their findings. Equifax has failed to comply, providing no response, no documentation, and no substantive verification, constituting clear violations of 15 U.S.C. 1681i ( a ) ( 6 ) ( failure to provide reinvestigation details ), 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ), 15 U.S.C. 1681g ( failure to disclose all information relied upon in its verification process ), and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( failure to delete unverifiable information ). Under federal law, if a credit bureau can not verify disputed information within the mandated timeframe, it must delete the information immediately, and XXXX continued reporting of these accounts without verification constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o, exposing them to statutory damages, punitive damages, and legal liability. I hereby request the CFPB to take immediate enforcement action by compelling Equifax to remove these unverified accounts, issue a formal statement of compliance, and investigate its systemic failure to adhere to the FCRA. If Equifax refuses to comply, I reserve the right to pursue further legal action to protect my rights. Supporting documentation, including my original dispute letter, is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent XXXX XXXX personal loan reporting on my XXXX and Equifax. I have told the companies I never opened this and I never signed for this account. I was in XXXX at the time. I want this removed from my credit report, this is harassment. When I call they say its frivolous filing or that I opened the account. When I ask for proof they don't send me anything.
Product: Mortgage

Dear CFPB, I started working on the loan modification with Ditech on XXXX and they had rejected my request, then I went to apply the XXXX California XXXX Ditech is participating lender, on XXXX XXXX I got an email from XXXX requesting supporting documents and was due on XXXX XXXX 2016 and I submitted it on the XXXX. however on the XXXX, I received a letter dated on XXXX from XXXX saying " your loan servicer has not approved your loan for participation in the XXXX program. ''
Product: Debt collection

The Bureaus ( Collection Agency ) is attempting to collect a debt on behalf of Capital One that I have no recollection of. I have made numerous attempts to reach them to validate this debt and have received no response or correspondence. Please remove from XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX ( XXXX ) XXXX : XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Experian. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Account - XXXX XXXX XXXX This account is reported as 2 entries in XXXX. One entry stated open account. The second stated this account as a collection. No report of this account in XXXX or XXXX. I have no knowledge of this account. Please delete as this violates the FCRA in reporting. see attached.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally express my deep dissatisfaction and disappointment with the service provided by XXXX XXXX. I would like to draw your attention to a specific incident that occurred on XX/XX/XXXX, which has caused unnecessary stress and inconvenience for me. 

On the aforementioned date, I attempted to purchase an item worth {$500.00} on XXXX and opted to use Uplifts XXXX  service. To my surprise, Uplift immediately debited an amount of {$120.00} from my bank account as the first installment. However, the same night, XXXX informed me via email that they had canceled my order due to an inability to verify my payment details. 

Given the promptness with which Uplift debited my account, I anticipated a similarly efficient refund process. I waited patiently for a week and when no refund appeared, I reached out to Uplift 's customer service. During my conversation, I was informed that refunds are typically processed within 15 days. Trusting this information, I waited another week, only to be met with continued disappointment. When I contacted Uplift again, I was told that the refund process might take up to 30 days and, to add insult to injury, I might also be liable for the next installment payment. 

This is an egregious and unacceptable practice. With the prevailing interest rates around 6 %, I am appalled to think of the significant sums these financial institutions potentially accumulate through withheld customer refunds, benefiting from daily interest. 

This situation has highlighted an urgent need for improved policies that safeguard the rights and interests of consumers. No customer should have to endure such financial inconveniences, especially when they are not at fault. I urge Uplift Inc. to expedite my refund and re-evaluate their policies to prevent such distressing experiences for others in the future. 

I expect swift resolution to this matter and hope that Uplift Inc. can regain the trust I once had in their services.
Product: Checking or savings account

On XX/XX/2023, I made a purchase online to website XXXX for a cellphone case. The item were sent incorrect type of case. I contacted and emailed the merchant about the wrong item, but no response. Then, I dispute with Golden 1 Credit Union to recover my money, but the bank doesn't do anything about it. The XXXX # XXXX and amount for the case {$80.00}. 

Another XXXX # XXXX for the unauthorized charges from XXXX for the amount of {$6900.00}. I contacted the company and were told the case will be escalated to management. But I have not heard back. I contacted my bank Golden 1 Credit Union about the dispute and were told to call the merchant and workout something. If nothing happens, then get back to us. I have been waiting to get my money ( bank didn't give me a provisional credit ) instead I have to wait until Fed. This is unacceptable. I would like to get assistance from CFPB to help me recover my money the bank doesn't want to help.
Product: Credit card or prepaid card

I applied for a Verizon credit card offered through Synchony Bank. Synchony issued the card on XX/XX/2020, but the card carried a very low credit limit and the bank informed me it was because of credit issues  shown on my XXXX credit report and the bank had issued a low credit score. 

I contacted XXXX  to review my FICO  score ( which is very high ) and confirmed there were no negative issues on my report. 

Synchony 's notice letter to me included a customer care phone number which was non-functioning, so I contacted customer service listed on their website. While they initially stated that my low score was issued by XXXX, they subsequently admitted that Synchrony creates it's own scoring system. When I pointed out that the reasons they gave for issuing a low score were in direct opposition to the data provided by XXXX  and I asked to speak to someone at their bank to address any inaccurate information they had, they said they were unable to connect me with anyone or to provide any mechanism for me to see their information or provide input. They have essentially created a blackbox for issuing a score and provide no ability for a consumer to resolve issues or address incorrect data.
Product: Credit reporting or other personal consumer reports

I am trying to put a credit freeze on my account at Experian. I have tried for weeks now and the website always gives me an " irrecoverable system error '' and directs me to call them. However, the Experian phone system REFUSES to transfer me to an agent. I have tried for weeks and it is literally impossible to talk to anyone. I had XXXX issues with the other credit bureaus but Experian is the absolute worst. I want to put a credit freeze on my accounts but it appears to be impossible. I know this makes it easier for Experian to keep making money but this should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter as a follow-up and clarification on what items I need to eliminate. to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any of these items not later than 4 business days after XX/XX/2022 Ive already included this in my previous Complaint and I am including it again. 

XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$87.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$620.00}, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX ( Original XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$110.00}, XXXX XXXX Balance : {$7800.00}, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX  XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022,