23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted Central Bank about the PMI on my mortgage back in XXXX of XXXX because the value of my home had increased by at least {$200000.00}, even at that time, whereas my loan balance only needed to decrease by {$11000.00} to remove the PMI based on the original purchase price of the home, i.e. at that time, my loan balance was at 82.31 % of the original purchase price of {$500000.00}, and I would need to either pay down XXXX to get to 80 % LTV based on the original purchase price, or pay {$500.00} for a new appraisal, despite the fact that houses by the same builder, with similar square footage in my same subdivision/on my street were selling for XXXX, meaning meaning that my true LTV was actually more like 50-60 %. Well, paying {$500.00} for a new appraisal was not much less than just paying the $ 79/month PMI until XXXX of XXXX when I would hit the 80 % LTV mark naturally. 

Here 's where my actual complaint comes in. Despite having hit that 80 % LTV in XX/XX/XXXX, Central Bank has continued charging the $ XXXX/month PMI fee, and has now refused to refund the fees from the 9 months that it was collected unnecessarily. This seems to me to be an abusive practice to charge for something after it has become unnecessary, and then to give the client no recourse/remuneration when their abuse has been discovered is appalling.
Product: Credit reporting

The statue of limitation has run out on XXXX accounts under my report with Equifax. Both accounts were opened in XX/XX/XXXX. Equifax is refusing to delete them even though I have not paid any $ on this account since XX/XX/XXXX. Equifax is saying the XXXX years starts over once I disputed both accounts. I just disputed accounts in XX/XX/XXXX. Equifax states that the XXXX years begins from XX/XX/XXXX.
Product: Checking or savings account

Approximately one month ago US Bank personnel embezzled, converted or otherwise unlawfully exercised dominion and control over, the complainants checking account as an unappointed fiduciary, overdrafting {XXXX}. 
Without the complainants consent, said personnel then tendered that amount to the XXXX XXXX  XXXX and thereafter imposed overdraft penalties on the complainants account in the amount of {XXXX}. 
Notwithstanding, the complainant recently deposited money into [ his ] checking account, whereat which time US Bank personnel excised the overdraft penalty fees fraudulently manufactured by them. 
Since then, the complainant has been reluctant to deposit any more funds onto [ his ] checking account, due to these unfettered actions, and the lack of procedural safeguards associated therewith. 
Nevertheless, through recorded conversations between the companies and the complainant it was determined that funds would be redeposited onto the complainants checking account and the overdraft penalties remitted.
Product: Checking or savings account

I requested repayment for over {$4000.00} in the overdraft fees. And they never returned it to me in all the years that I have been a customer. And I have been a customer with them for over ten fifteen years. They were very rude and they suggested that I just closed my account with them and they can keep my money.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Owed XXXX {$2500.00} XXXX XXXX  XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Owed : {$230.00} XXXX  XXXX XXXX Balance Owed : {$870.00} XXXX  XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally file a complaint against Lefkoff , Rubin , Gleason , Russo & Williams , P.C . regarding their improper debt collection practices and violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. Below is a summary of the events and issues : Summary of Events On XX/XX/year>, I received a summons from Lefkoff, Rubin, Gleason, Russo & Williams, P.C., alleging that I owe a debt to XXXX XXXX. Despite their claims, I have serious concerns regarding the legitimacy of this debt and the practices employed by the law firm. 

Key Issues and Violations Failure to Validate the Debt Lefkoff , Rubin , Gleason , Russo & Williams , P.C . failed to provide adequate validation of the alleged debt as required under 15 U.S.C. 1692g.

They have not provided a breakdown of the alleged debt, proof of its validity, or documentation showing I agreed to the terms of this debt. 
Lack of Consent to Litigation At no point did I explicitly consent to the terms of any agreement allowing for litigation. 
No original signed contract or documentation has been provided to demonstrate my agreement to be sued. This violates consumer protection principles, particularly the Best Evidence Rule under the Federal Rules of Evidence ( FRE Rule 1002 ), which requires the original document to prove the content of the alleged agreement. 
Deceptive and Misleading Practices The firms communication implied that failure to respond would result in an assumption of liability, which is misleading and violates 15 U.S.C. 1692e. 
Their threats of negative credit reporting without sufficient basis constitute coercive and deceptive practices. 
Failure to Establish Ownership of the Debt The firm has not provided proof of assignment or documentation showing that XXXX XXXX has lawfully transferred the alleged debt to them for collection. This failure violates transparency requirements under the Uniform Commercial Code ( UCC ), specifically UCC 3-307. 
Privacy Violations Lefkoff , Rubin , Gleason , Russo & Williams , P.C . disclosed information about the alleged debt to third parties without my consent, violating 15 U.S.C. 1692b ( 2 ). 
Request for CFPB Assistance I am requesting the CFPBs assistance in the following ways : Investigate the practices of Lefkoff , Rubin , Gleason , Russo & Williams , P.C . in relation to this matter. 
Require them to provide complete validation of the alleged debt, including the original signed contract and proof of ownership of the debt. 
Ensure that the firm ceases any further collection activities until they comply with all legal requirements under the FDCPA and related laws. 
Address any violations of privacy, unfair practices, or deceptive behavior in their communications and actions.
Product: Credit card or prepaid card

Paypal Credit. I never opened this account, someone opened it in XX/XX/XXXXfrom what Paypal tells me. Recently someone has been using it XX/XX/XXXXand I received a bill, I called Paypal credit filed a report in XX/XX/XXXX even filed a police report as they requested. They failed to close the account as I requested the first time in XX/XX/XXXX when the account was owed only {$200.00}. They left the account open after my pleading with them on three occasions, now the account is over {$1000.00} Three separate times they have denied my fraud claim and this is adversely affecting my credit for two months. I never opened this account or charged on it. I plan to join a class action lawsuit as well since I have been trying to clear this up with Paypal and synchrony credit. They will not even give me the email information that this account was opened under.
Product: Debt collection

Upon checking my credit file Ive noticed a company named Debt recovery solutions Inc has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from the above company to be removed from my credit file.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts reporting on my XXXX  and experian credit report that dont belong to me XXXX has the right information they are not reporting it i can show screen shots
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Experian for refusing to provide me with the membership benefits such as daily Experian and monthly XXXX and XXXX credit scores as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been paid in full going on two years now. It shows collections on my credit report. I have contacted the lawyer for XXXX and all credit report agencies and they are not showing it as paid in full. 

XXXX I am making payments of {$50.00} a month and have for quite some time now. The lawyer nor all credit reporting companies are updating this on my report that payments are being made on a monthly basis. 

XXXX XXXX XXXX : I do not recognize this company. I reached out to them about two years ago and they said this was not mine. No credit reporting agency will delete it. They said their investigation shows its mine. No proof has been forthcoming and I do not recognize this company.
Product: Debt collection

XXXX has CACI  trying to collect a debt of more than {$500.00}. I have a negative entry on my credit report for more than {$500.00} and XXXX is saying they sent this to collections and charged me in error. I returned their equipment and cancelled the bulk of the television services and my account is still active. I called XXXX and was told they did this in error, they verified they have their equipment and attempted to bill me for serices in error. The problem is, the negative entry they put on my credit report severly lowered my XXXX XXXX causing me to be denied a loan. My daughter XXXX is authorized on the account and because I was at work I asked her to contact them for me. The conversation is attached below.
Product: Payday loan, title loan, or personal loan

I have taken a {$6500.00} loan out with Avant to consolidate some of my credit card debt. However I decided I wanted to payoff the remaining balanced I owed of {$4500.00} with a lower interest credit card I had so I called Avant XXXX XXXX, XXXX at XXXX to payoff my personal loan with them. The representative gave me a quote and I told him I would be using my credit card to pay off the amount. He then asked why, and I told him because I have a lower interest rate on my credit card so I would like to pay the whole amount off with it. Then he put me on hold for a few minutes than got back on the line and said I ca n't pay it off with my credit card, I can only pay the monthly installment amount. While all this was occurring I was reading the contract I have with them and no where does it state that I ca n't payoff with a credit card. So I told the representative that it does n't state anywhere on the contract that I ca n't use my credit card to payoff. And he said he was aware that it does n't state it but he continuously refused to allow me to payoff my loan. He then sent me to another rep whom was his manager. And I repeatedly said it does not state anywhere on the contract that I can not pay my loan off with the credit card. And she said yes it does n't but we ca n't and she kept on apologizing. The whole conversation was worthless. She wanted to transfer me to resolution but I asked what are they going to do? Tell me the same thing? I 'll talk to my attorney. And she said yes, I apologized. So I told her I dont want to speak to them if they ca n't help. It just does n't make sense, they will be getting their money if I pay off but it seems when I mentioned I had a lower interest rate on my credit card they did n't want to accept them because they want to make money off the interest on the monthly installments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity Theft since 2020 due to the data breach of Equifax. Since 2020 I've been dealing with countless situation in regard to this matter. I received communication from credit card companies and debt collectors in regard to accounts that were not mine. Due to fear and lack of knowledge of the law, I start making payment, even when I know this accounts were not mine. Now I received legal advice from my lawyer, that guide me to open an Identity Theft Report and send a formal complaint using CFPB. I have been trying to get in contact with the consumer report agencies without success. They are not working diligent in their investigation to solve this problem. As an evidence of the lack of investigation ; I asked XXXX to remove an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) that is not mine and they responded that the account was verify. At the same time I asked the issuer of the card to remove the information from my credit report and they send me a letter with this information : " We received a request to remove your name from the account number referenced above. Our records indicated your name is not on the account. '' Clearly, the agencies are not doing a properly investigation, causing me more harm. I called XXXX to report Hard Inquires that were not authorized and they told me that there is anything they can do about that matter. I'm not asking for too much, just to have my consumer report clear of accounts that are not mine. All my correct account are from XXXX XXXX, were I currently live. I have account in local Credit Unions that have been paid accordingly. I didn't apply for credit card in Banks in the USA. This XXXX accounts are from stores that I dont even purchase any goods. Some are too far away from my home that I dont even have visit before. I don't know why the consumer reporting agencies don't have an specialist that can review the accounts and compare all the history to identify that the information reported can be XXXX. I'm tired of dealing with this sittuation and the next steps is going to be a legal one, if this complaint is not process properly.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

I refinanced my home XX/XX/XXXX. The closing attorney sent the funds to XXXX XXXX  who our mortgage was with. During the days of closing on our refinance with XXXX XXXX and the attorney sending the funds, XXXX sold our mortgage off to Mr Cooper. The closing attorney sent funds to XXXX who in return wired the money to Mr Cooper. The day I asked for a wire tracking number, XXXX was able to provide me one. XXXX wired the funds to Mr Cooper on XX/XX/XXXX. 

XXXX forwarded me this email Payoff Statement Quote : XXXX by XX/XX/XXXX Per diem XXXX Wire Received XXXX on XXXX at XXXX Difference : XXXX / XXXX = 4 days less than the quote. 
Good through XXXX minus 4 days allows for XX/XX/XXXX as a posting date. 

Mr. Cooper claims the funds were short and sent the money back on XX/XX/XXXX. I haver called Mr Cooper multiple times asking for a wire tracking number. Mr Cooper told me they wired the funds to the closing attorney, I called the attorney and they confirmed they have not received them. I had someone call and ask where the funds were sent and to check if they were sent to me or XXXX. I have not received the funds and neither has XXXX. Every time I call Mr Cooper and ask for a wire tracking number no one can provide me one and tell me someone from accounting will call me back and they never do. I call weekly ( 1-2 times per week ) and ask for a wire tracking number because no one can tell me where $ XXXX was sent. Now because the loan is considered in bad standing we have received letters from an attorney saying our home will be a foreclosure sale soon. Mr Cooper claims they have wired money and can not provide a wire tracking number, nor can their employees tell me where the money was sent. They asked me if I knew where it was or told me it was sent to places and it hasn't been sent. So either they haven't sent the money like they claim they have or they have wired $ XXXX to someone and they have no clue of who they sent it to. I don't understand how in todays age of technology no one at this company can tell me where this money was sent or provide me with a tracking number and I am continuing to get threatened with a foreclosure.
Product: Checking or savings account

On XX/XX/21 my debit card was used to make a fraudulent purchase which the bank alerted me to. However after finding the fraudulent charges valid during their investigation, the bank lost the opportunity to dispute these charges in the future. The merchants card processor prohibits additional disputes post the first dispute. Neither the merchant nor the bank will correct this.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries on my credit report Improper use of my credit report According to 15 USC 1681b XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, 2024 XXXX  XXXX ( Bank ) XXXX XXXX, 2024
Product: Student loan

I have always paid my student loans on time. In XX/XX/XXXX I paid my loan and rounded it up to {$110.00}, the next month the lender said I owed {$110.00}, which I paid. My regular payment was {$110.00} a difference of {$.00}. The same thing in XXXX of XXXX I rounded my payment to {$180.00} the next month I paid what I was told to pay which was {$180.00}. My payment amount was {$180.00} a difference of {$.00}. Now I am being told my payments made in XXXX of XXXX and XXXX of XXXX will not count towards my loan forgiveness because they were not a full payments. They are saying I am on a paid ahead program which was part of my promissory note. No one ever said that this status would result in payments not counting towards my PSLF. I had not even signed up for the program then, although I was a XXXX  employee. I was told by FedLoan Servicing the law was changed regarding the way a payment is made if you are part of PSLF, but my payments were prior to the law change so they will not count. 
They also said Pay Ahead is any extra payments made prior to 30 days from the due date. My due date is the XXXX of each month and the extra {$.00} was effective on XX/XX/XXXX-less than 30 days from the XX/XX/XXXX due date and the extra {$.00} was made on XX/XX/XXXX also less than 30 days from the XX/XX/XXXX due date. For 6 years I have followed all the rules and paid my loan with-in 15 days of the due date. My loan payments have gone up to {$380.00} per month when they started at {$110.00} a month. I am a mother with XXXX children, XXXX in college now. I have struggled to pay my loan payments, but am responsible when it comes to my debt. I do not feel I should be penalized for paying what I was told to pay. I don't feel I should now have to pay an additional 2 months at the almost {$400.00} payment when the 2 lower payments were made, on time, and should count. I also asked for a copy of my signed Promissory Note and was told I could access it at the the Dept of Education Website. I have been on the site and I am not able to locate a copy.