23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late from XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

I am unaware of this debt. 
I did not have the opportunity to dispute this debt. I did not receive proper notification of this debt if in fact you believe I received proper notification please provide the certified mail with receipt with my signature on there stating I received it. 
XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. 
XXXX XXXX is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 
XXXX XXXX has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Also There is no payment information!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX  # XXXX
Product: Mortgage

I have requested several times that the PMI be removed from my loan and always formally denied even though after completing renovations my home has appraised way over the 80 % of the loan. I have even received letters from the bank in which I have ( see attached ) the loan with stating my home is worth {$510000.00} and my loan balance is {$300000.00} well under the {$410000.00} limit. I have paid off more than 3 mortgages, have an over 800 credit score, and well over XXXX in savings, and do not see why I am paying over {$200.00} a month in PMI. I am not a risk, and even if I was this mortgage is insured by the government so do not see why an additional PMI payment was ever needed. 

I want the PMI removed from my loan and a refund of the PMI I have already had to lay out in order not to be delinquent with my mortgage. I knew I would be doing major renovations so that is why I did not put down 10 to 20 % down. No where on my loan documents does this say the PMI can never be removed. I want this off my loan. I asked to be shown where I was told this would never be able to come off my loan? I was not given any disclosure and there is no mention of it in my mortgage. I was also informed that stated in the by-laws a request can be made from my mortgage company ( NewRez LLC ) on my behalf to FHA to eliminate the PMI. I feel this fee is very unfair. I have a very low mortgage compared to the value of my home ( {$510000.00} ) and I am willing to get an appraisal to prove this, I have an over 800 FICO score, in the past I have paid off multiple mortgages, I have been employed full time for several years, I never had a late payment on anything!!! I told my mortgage company ... '' Please, I am requesting some customer service. Please put an inquiry to FHA to eliminate this PMI from my loan. '' Also I asked if I have an option to pay down the existing loan of {$320000.00} to an 80 % value {$260000.00} with a payment toward my principal of {$40000.00} which would recast the loan in hopes to eliminate this PMI. They have no proof this was explained to me before hand. I asked them to produce something that was signed and they couldn't. I also asked for a compromise since they can not. Why won't they ask FHA on my behalf to reconsider? 

Would appreciate any assistance you can give. I feel this is a very unfair practice and PMI should be eliminated across the board and money should be given back to not only me but all mortgagors.
Product: Student loan

Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within XXXX days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX  XXXX XXXX {$17000.00} XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00}
Product: Credit card or prepaid card

Charged me an extra {$3000.00} for a purchase that cost {$4000.00} in 2020. I was 85 % done with paying off when I got an unexpected interest card and I have been on time with every payment. I missed XXXX payment and they have been harassing me calling me XXXX times a day from unknown numbers and hanging up from XXXX every single day.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I submitted an application for an XXXX XXXX ( XXXX ) credit card. Initially, I had only lifted the credit lock and unfreeze with XXXX. However, XXXX managed to retrieve my credit information from both XXXX and TransUnion. When I contacted TransUnion, they asserted that my credit had not been locked or frozen at the time. 

I was certain that my credit had been locked since XX/XX/XXXX because TransUnion allowed my second identity theft incident to occur, which prompted me to initially set up the credit lock. It was in XXXX when I realized they had done the same thing to me in XX/XX/XXXX with XXXX. At that time I thought they had frozen my account and they allowed XXXX to pull my account. 

Additionally, in XX/XX/XXXX, I fell victim to identity theft. This occurred because TransUnion permitted XXXX  XXXX XXXX to access my credit information for someone who pretended to be me, and I had an alert on my account at the time. When I inquired with TransUnion about why they allowed this access, they explained that they had seen the alert but lacked a contact number to verify with me. I expressed my concern to them, arguing that this was all the more reason they should not have granted access to my credit information under those circumstances.
Product: Credit card or prepaid card

I booked a hotel room at  XXXX   XXXX  for  XXXX / XXXX / 2017 . I canceled the room and got cancellation letters with a cancellation number. I was charged {$150.00}. I am still being charged after the cancellation. My credit card compan y, Wyndham Rewards Visa, opened a dispute case and closed it, stating that I stayed at the hotel. They ar e denying to take the charge off of my account. Their statement is n't true and I have provided them the prove that their statement is n't true.
Product: Mortgage

Approx. XX/XX/2019 My homeowner insurance company moved out of state cancelling my policy. Shellpoint Mortgage Services began paying for my insurance. On XX/XX/2019 Shellpoint was notified on their site that we had supplied our own insurance for the year. Shellpoint has continued to pay monthly insurance premiums in spite of this communication. Once our escrow was depleted we were requested to pay an increase without notification of the reason. I have on numerous occasions proved we have up-to-date with insurance. We have been paying extra for about 20 months. recently we've been harassed to pay extra funds to make up escrow amounts and have been charged penalties. I have spoken to 8 or 9 persons from XXXX XXXX XXXX, XXXX and Collections divisions indicating either we owed or were getting refunds for the errors. I received calls after XXXX XXXX  one evening from both Collections and XXXX XXXX. I've asked Division level staff to get involved and have been promised return calls that never happened. I am still awaiting resolution and am concerned about my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX XXXX Date of Inquiry XX/XX/2022.
Product: Checking or savings account

" I deposited a check on XX/XX/XXXX. They held the check until XX/XX/XXXX. During that time, they made me verify myself thoroughly twice. The account was unlocked and fine until my check cleared, but now they've locked the account again. I physically can't go in because I just had a XXXX  and when you call the system, they ask to upload ID, which is faulty. Previously, I could verify with an automated call by confirming my PIN. I told them I needed the funds because I was XXXX, but now they're making me come in, knowing I can't. This has caused a great XXXX XXXX. I can't pay my phone bill or make other purchases XXXX XXXX XXXX  I had to leave the hospital with a XXXX XXXX XXXX  because Capital One is now requiring me to come into the bank for verification, even though they approved me for a credit card the first time I verified myself and i was using the card fine now payment is do and they forcing it to be late destroying my credit because they randomly lock my account again. Nothing happened that warranted locking my account. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 I applied for credit with Synchrony and was not approved on the above dates. I was about to reapply and it actually says wont affect your credit score so why was I hit with two hard inquires??
Product: Mortgage

We were offered the covid relief to suspend payments for a certain time during XX/XX/2020. We did 3 months then wanted to start making payments again but was told we would have to do some type of modification called " trial payments '' to see if we could afford the mortgage. We never heard of this and never said we couldn't afford the payments. The trial payments was sent but they keep putting them in a suspense account ( to make interest off our money ) and not apply them to our account. Then when I called more than once I was given scripted speech. I have written letters to them to ask why these payments are not being applied with no response. I also had an overage in my escrow which they said I could not get because the account is delinquent. The account would be current if they would apply the payments that have been sent to them. Then the 2020 XXXX XXXX XXXX which I had to access on their website is also incorrect because the money they have in the suspense account hasn't been applied for the 2020 year. I just need this account to be brought current and all the shady business to stop.
Product: Checking or savings account

My wallet was stolen on XX/XX/2021. There were two unauthorized charges at XXXX  on my account with my Chime card. I filed a police report, and was informed that the person was on footage using my card and making the unauthorized transactions. I sent this information to Chime and filed a dispute on XX/XX/2021. On XX/XX/2021, I received an email that my claim had been denied and I would not be receiving my money back, despite all the evidence that the charges were not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I was spoke to XXXX XXXX in XXXX, Oregon about purchasing a used vehicle. I am XXXX as a XXXX XXXX who does XXXX XXXX XXXX, and while I realize lenders don't like that, I didn't expect them to put 11 hard inquiries on my credit. Also, they put that I worked at XXXX and XXXX XXXX XXXX. I've never worked at XXXX, and I didn't tell them that I worked at XXXX. And, as far as I know, there is no XXXX XXXX XXXX and I don't have a company by that name, or any company for that matter. I was told by XXXX  and Equifax that I can not dispute the information, and that I would have to get a letter from the dealership. When I call the dealership, they will not speak to me or they take a message and no one gets back to me.
Product: Credit card or prepaid card

I 've opted out a long time ago and just now got an offer from Capital One today
Product: Credit reporting, credit repair services, or other personal consumer reports

Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to XXXX XXXX XXXX ( XXXX ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX  XXXX and XXXX, even though we paid as agreed to new loan servicer XXXX. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and XXXX and have had no success in correcting this information. XXXX has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) I have attached a copy of the cashed check dated XX/XX/XXXX to show payment was made timely. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two forms of payments on my account for automatic deductions and have never been late on my account. 

My brother had XXXX XXXXXXXX and I left for six weeks to take care of him and my parents or father who has XXXX. It was a nightmare having to tell my dad everyday that his son was XXXX and watch him sobbing. 

During the six weeks when XXXX tried to pull my payment my bank did not have funds but I was not worried because I had a second account on my account with them. I also did not know the payment was missed. 

When I returned home after my brothers funeral and noticed the payment was missed I made it immediately. I was told by upgrade even though I have a backup account they can not pull from this account. I explained my situation and showed them my airline tickets for my six week stay and my brothers funeral announcement. XXXX stated if I sent in a complaint to the bureaus they would take this late payment off my credit and I have tried twice and they still have it on my credit reports. 

This has made my credit drop over XXXX points and has hurt me financially.
Product: Money transfer, virtual currency, or money service

Paypal.com is perpetuating a SCAM by allowing XXXX XXXX XXXX of XXXX XXXX XXXX to continues to collect monies via PayPal.com from his Website XXXX <P/>I placed an order in XXXX XXXX of 2016, and never received my order. <P/>I am not alone hundreds of people ordered from this " seller '' and never received either cuttings or trees. PAYPAL KNOWS about this, and have not stopped him from collecting more funds ... I spent around 50.00, ( Transaction ID # XXXX ) some people have spent over 4,000.00 U.S.D.! NO ONE has gotten either cuttings or trees for over a YEAR and a HALF! <P/>Yet I can put a tree in my shopping cart via pay pal ... .PAY PAL is complicit in FRAUD! <P/>See : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In late XX/XX/XXXX I began working with Amerisave Mortgage to refinance my home mortgage and a HELOC. I authorized them to pull my credit one time on XX/XX/XXXX and one time on XX/XX/XXXX. I finally withdrew my application on XX/XX/XXXX due to lack of performance on their part. Given the long delay I had begun to work with my current mortgage company and authorized them to pull my credit one time on XX/XX/XXXX. They forwarded me my report ( excerpt attached ) which shows 3 pulls on each date I had authorized Amerisave to make one pull. Instead of 2 pulls total there are 6 pulls total. The first on each date says Amerisave and the next two say XXXX. I reached out to XXXX to ask who authorized the 2nd and 3rd on each date and they informed me it was Amerisave. I wrote to Amerisave twice, once requesting a refund of my {$500.00} application fee and once requesting them to issue a Credit Inquiry Deletion Letter for the 4 unauthorized pulls ( image attached ). I received a call on XX/XX/XXXX from XXXX at Amerisave. During the call he agreed to refund my {$500.00} application fee but maintained that Amerisave only made one pull on each date and would not agree to send the Credit Inquiry Deletion Letter. 

I would appreciate CFPBs assistance in obtaining the requested Credit Inquiry Deletion Letter from Amerisave.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXXXXXX XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXXXXXX XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX ( Original XXXX XXXX  ) : Account number : XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.