23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I reached out to my servicer, Fifth Third to inquire about having the PMI removed from my mortgage loan. 

They said it would require a re-appraisal. 

Scheduled appraisal and appraiser visited on XX/XX/18. 

Request for PMI removal was denied I received a copy the appraisal and around XX/XX/18 and noticed the appraisal was incorrect and did not have the correct bathroom count. 

Notified 5th 3rd on XX/XX/18 that the appraisal was incorrect. Then notified numerous more times. They gave me the runaround for 2 weeks and it sounded like it was not going to get corrected and I would just have to deal with it being wrong and the PMI cancellation request being denied. 

XX/XX/18 I received notice that the appraisal has been corrected and the PMI has been removed. 

They still will not tell me the appraised value. 

I have requested for a copy of the appraisal numerous times and have not received it. I need the appraisal and it is now going to be considered aged.
Product: Payday loan, title loan, or personal loan

I paid off my personal loan, and at the same time made a separate payment to my credit card. Apparently both payments went to my loan, so it was overpaid by ~ {$2400.00} ( the extra payment was for {$2500.00} ). After noticing what had happened, I called my bank immediately. They told me to call back the next day after things were processed. On that first call, they told me that the extra payment would be refunded to my checking account ( the account it was paid from ) within 2-3 business days. The next day I called the number they gave me, and they also told me that it would be credited back to my checking account within 2-3 business days, and told me the exact amount ( since som interest would still be due after my intentional payment of ~ {$10000.00}, the principle shown on my account portal ). I called, and had several chats, and a chat with one of their XXXX accounts, and each time since the 2nd call I made Ive been told it will be 7-10 business days for the money to show up in my checking account. Right now, it has been over 10 business days, I'm on hold with someone now who told me they will send me a cashiers check. Every person I've spoken with until now said explicitly that the cashiers check they normally would send in this situation was canceled and the money would just be credited to my account. Between the erroneous overpayment and today I have overdrawn several times and been charged overdraft fees numerous times. This seems criminal to me, plus its Wells Fargo... So you know... Probably legit they are being shady here. They have collected $ XX in overdraft fees, not to mention their collections dept. called me and asked when I would pay my overdraft amount. I asked them when they would pay me the money they owed me, since it more than enough covered the overdraft amount. 

Date of disputed overpayment : XX/XX/2022. Amount : {$2500.00} Overdraft fees since XXXX : {$140.00} Currently still overdrawn, ad of XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries were opened or made fraudulently in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their removal. 
Accounts to be Blocked and Deleted : 1. DE CHILD SUP XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$23.00} XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$3.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$610.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$1600.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$660.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$350.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request a goodwill adjustment for a late payment reported on my account in XX/XX/XXXX to all three credit bureaus. Since opening my account in XXXX, I have been a responsible and loyal customer, consistently making my payments on time. However, during the period of this late payment, I was experiencing an unexpected financial hardship due to a COVID-related job loss. Despite these challenges, I made every effort to meet my financial obligations, and I have since maintained a strong payment history. 

I want to emphasize that this late payment is not reflective of my usual credit behavior, and I deeply value my relationship with your company. Unfortunately, this single negative mark has significantly impacted my credit score, making it difficult for me to secure an apartment and lease a car.

I understand that, under 15 U.S. Code 1681a ( 2 ) ( A ), a consumer report does not include information solely based on direct transactions between a consumer and a creditor. Additionally, 15 U.S. Code 1666b ( a ) states that payments on a credit card under an open-end consumer credit plan should not be considered late for certain purposes. Given my long-standing positive payment history, I respectfully request that your company exercise its discretion and remove this late payment from my credit reports as a gesture of goodwill.

I sincerely appreciate your time in reviewing my request. I hope to continue a long and positive relationship with your company and would be grateful for your assistance in helping me restore my credit standing. Please let me know if you require any further information to facilitate this adjustment. 

Thank you for your time and consideration. I look forward to your response.
Product: Vehicle loan or lease

I purchased a vehicle XX/XX/23 my financing was done with XXXX XXXX shortly after I purchased a vehicle I was informed that it is very important to make my first payment. XX/XX/23 But shortly after I purchased a vehicle XXXX XXXX weeks later, the vehicle broke down. I also purchased a warranty the same day that I bought the vehicle from the dealership. The warranty stated that you must wait 30 days in order for the warranty to go active so I waited the 30 days after the 30 days I called the warranty company and they told me that the warranty was not active it was still in pending status as the dealership did not finish sending over the paperwork, so then I had to wait an additional two more week for the dealership to send over the documents In the process of waiting, I took the vehicle to a mechanic shop to have the vehicle checked out to find out what was going on. XXXX be sending over the documents along with the date that I purchased the vehicle and the documents from the mechanics shop stating what was going on. 

The Vehicle breaking down, & having to wait the 30 days for the warranty to go active caused me not to be able to make my very first payment now Westlake financial does not want to continue the deal and back out of financing my vehicle I do not want to lose my vehicle as I will not get my down payment XXXX $
Product: Credit card or prepaid card

Apple Card ( Goldman Sachs ) continues sending me statements with a balance that does not make sense, even after I closed the account and paid the amount that THEY told me was the total balance in full. In other words, the balance is more than the net sum of credits and debits. They seem to have messed up and installment purchase at the XXXX XXXX. In any case, even after paying the total final balance in full - more than I thought i owed -- they are still saying it's not done. 

This started in XXXX and after I got a statement that was impossible to understand. The math didn't ' add up -- by their own admission. I talked to 3 different reps and none could solve it. After one call in XXXX that lasted 2 hours -- I finally agreed to pay of the entire thing including the installment purchase in full and close the account. Even though the total seemed too high and didn't make sense. I wanted to be done with it. So I sent payment on XX/XX/XXXX and the account was closed. 

Now, 2 months later I am being sent emails saying I owe more. So today, Sunday, I spent 2 more hours on the phone with a rep. We went through transaction by transaction and it showed I had paid MORE than the total of my expenses. ( Each bill was paid in full each month - other than the 0 % interest installment purchase at the XXXX XXXX ). So this has nothing to do with accumulated interest charges. I paid the bill in full each month. 

She was very helpful but even she couldn't figure it out. By her own admission it didn't make sense. She went to get a supervisor - and I end up on endless hold. And after another hour of waiting on the call, she never came back and abandoned the call. So no resolutions. 

I would be willing to pay the balance they say I owe - {$130.00} if I thought it would go away and end the matter. But that is what I did in XXXX and that didn't work. I am quite sure that I could send the {$130.00} and next month I would be asked for more. 

Goldman Sachs can not reconcile my statement to the sum of transactions and payments. I have no confidence in their ability to resolve this so I am looking for help.
Product: Student loan

Since 2006, the year I graduated, countless problems have come directly from careless business practices, but, by far, the most annoying problem is the refusal of the company to provide an account summary of the total amount repaid on my loan from the very beginning. They will provide up to one year and nothing further. I would like a comprehensive report detailing every single payment, missed payment and total due. 

After many requests over the years, I am turning to Consumer Financial to file a complaint and get the attention of someone holding a high enough position within Sallie Mae ( now known as XXXX ) to provide me with my comprehensive account summary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C. 1681s2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors : 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.

( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I disputed many accounts and inquiries on Equifax, XXXX and XXXX in XX/XX/2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.
Product: Debt collection

Upon closely analyzing my recent credit report, I identified several accounts that I think are inaccurate and were included without my approval.
Product: Student loan

I have a XXXX XXXX XXXX in the process of being treated. I'm an XXXX  XXXX technically XXXX XXXX, have been having a XXXX XXXX preventing me from working. I get no paid time off. Spoke to a Navient customer representative on XX/XX/19 to explain my circumstances and inability to repay, as well as offering to submit proper medical documents needed. He was demanding repayment and stated there is nothing that can be worked out. As a result my credit is ruined and interest accrued {$7000.00}. I need assistance with this issue as nothing is being resolved with communication with Navient the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I signed up for the free trial of Equifax XXXX  XXXX. I attempted to cancel my subscription on XX/XX/2021 online and received an error message. I attempted to call and was on hold for 45 minutes before having to hang up and return to work. The following day I tried to cancel online again and received the same error message. Today I called to cancel and finally spoke to an agent that told me he would cancel my account as of XX/XX/2021. I told him that I wanted it cancelled today and he said it was too late because I had already been charged. I tried several times to cancel this service and was unable to. I asked for a refund and the customer service agent at Equifax told me absolutely no refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax on XX/XX/2021, and requested that they remove the inquiries on my account because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove those inquiries. The reasons I was given is their need to contact the " original creditor '' in order to validate the inquiry. I informed the last representative that Equifax was in violation of a United States Code and was told that I needed to contact the individual companies to request removal.

Equifax is in violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports
Product: Credit reporting or other personal consumer reports

I appreciate your attention to removing some of the fraudulent items from my file, stemming from alleged fraudulent activity. However, there are remaining items that require removal. This serves as my second communication regarding being a victim of fraudulent activity, disputing certain items resulting from this crime. The disputed items do not pertain to any transactions for goods, services, or money that I have authorized or engaged in. Kindly remove any items in my credit file resulting from alleged fraudulent activity, as they are unknown to me. Additionally, I have doubts about the accuracy of the information provided on these items and the reported payment history. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I have attached FTC report # XXXX for your reference. Below are the remaining items I request to be removed, categorized by bureau : XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX CO XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$290.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$920.00}. Once again, the disputed items do not relate to any authorized transactions. Kindly remove them promptly from my credit reports. I anticipate positive results within the next 30 days.
Product: Student loan

I was told that I had to take out loans until my GI BILL started by the schools VA rep. The VA Rep miss handled my paper work for my GI bill and was n't turned in on time. I was told the school was accredited and I could transfer, that was not the case and was forced to finish my schooling. once I graduated I found out that I owed XXXX in student loans, which was the first XXXX that the VA rep never turned in paper work for. After years of going back and forth VA told me they could not go back and pay those loans even if it was school reps fault. By the time I went back to XXXX XXXX the VA rep had been fired and no longer there for the miss handling paper work and they could do nothing to help me at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. '' This has been the excuse given several times and not once have you provided proof of a valid debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, I am in receipt of your letter dated XX/XX/XXXX to the CFPB, and subsequently allowed thirty ( 30 ) days to expire with hopes XXXX XXXX XXXX ( XXXX  ) would correct the inaccurate information it knowingly reported to all three credit bureaus. Thirty days has since past, and I would like to address the falsehoods reported in your letter. 

In your letter you state XXXX has been actively pursuing collection of the above-referenced account. However, referencing a XXXX  letter I received in XXXX, and furthermore attached page 8 of my Experian report, page 2 of my XXXX  report and lastly, page 3 of my XXXX  report contradicts your statement. 

The attached credit reports display this account to-date has been charged-off for nearly 4 or more years now, and no collection activity has not been reported up until recently. Your company maliciously, unethically, and illegally reported credit activity for no other reason to my belief, but to cause damage to my credit profile. 

As a Creditor, you are fully aware your company has a duty to conform with all Federal and State regulations in regards to credit reporting. As well as reporting accurate, up-to-date, and truthful information. 

With this letter, and under the guidelines of Fair Credit Reporting Act, I am requesting XXXX remove this account from my credit report with all three credit reporting bureaus immediately, no longer than 30-days of the date of this letter. 


Kindly confirm safe receipt. Should you have any questions, please do not hesitate to contact me. As always, thank you.
Product: Money transfer, virtual currency, or money service

This is a resubmission or my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( EFTA ). Per the CFPB 's lawsuit filed XX/XX/year>24 ( Case 2:24-cv-03652-SMB ), Zelle failed to implement adequate fraud prevention measures and investigate consumer claims, resulting in over {$870.00} million in documented fraud losses. Your claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial institutions must conduct reasonable investigations of reported errors. My complaint warrants a proper investigation, not dismissal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Credit Card Balance {$250.00} XXXX XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Commercial Installment Loan Balance {$7100.00} XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Collection Agency Attorney Balance {$2100.00} XXXX XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Factoring Company Account Balance {$950.00} have violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I had a JCPenny account, and fraudulent activity was done under that account in the year of 2019, I was never notified or sent a statement for me to realize it was fraud. I just recently received a phone call that I owed them XXXX and it would be sent to collection. I have called and gone into the store of JCPenny with no avail. I get nowhere with them I have even asked for the statements from them to see where the transactions were made but they wont release it.