23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home on XX/XX/2021 and was a 10 % down buyer. I've had to pay private mortgage insurance since my date of purchase as I was below the 20 % equity threshold. I called my servicer, LoanCare , LLC, in XXXX to ask for an appraisal of my property and found out this month that XXXX XXXX, who XXXX my lender, sold my loan to, refuses to lift my PMI until it's seasoned. XXXX responded that XXXX XXXX XXXX XXXX, issued on XX/XX/2021, state The minimum two-year seasoning requirement is waived if the Servicer determines the increased market value of the Mortgaged Premises since the Origination Date of the Mortgage is due to substantial improvements. However, on XXXX 's website, https : XXXX, there is a clear statement that ; Other things to keep in mind about the Homeowners Protection Act Loan investors, including Fannie Mae and XXXX XXXX XXXX often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the HPA provides . But these guidelines can not restrict the rights that the HPA provides to borrowers. For example, the HPA does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). 

Nowhere in my closing documents that I signed did I agree to their guidelines. Under US Code, 12 USC 4902, my lender is violating the federal law, as I read it, by preventing me from eliminating my monthly mortgage insurance and is even refusing to consider an appraisal to prove my equity has reached over 20 %. Which I believe was my right until this heinous regulation was put in place in direct opposition to the law.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of changes and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage yesterday. My credit score from Equifax dropped over 100 points from yesterday from today, yet nothing negative was added to my report. Coincidentally, I called Equifax to ask about a dispute that was showing on my report. Within 5 minutes my score dropped over 100 points. After being on the phone all day with Equifax they've come to the conclusion their algorithim may be incorrect, yet offered no advice as how to fix this mistake. As a result, I have been denied a mortgage.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called this company and asked to have something taken off my credit report that i paid in XXXX. I asked the gentleman how long would it be on my report and he said their practice is to never take it off I said but sir most companies I have talked to say it is at their transgression to where it comes off in the present or 7 years. I don't understand the purpose to just out right ruin someone's credit if they have paid you in full. The company I was talking to was ERC DEBT COLLECTION. They collected payment for an account I had with XXXX XXXX XXXX. It was placed on my credit report XXXX I paid the full amount {$250.00} in XXXX.
Product: Mortgage

My mortgage company is committing fraud and charging me more money than the projected escrow. 

I purchased a property in XXXXXXXX XXXX  in XX/XX/XXXX. I financed the purchase with a 30 yr mortgage with a conventional mortgage. 
The mortgage company is Penfed Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Telephone XXXX XXXX XXXX At closing the mortgage company collected {$5000.00} as a buffer for escrow. My property taxes for XXXX are {$920.00}, and my insurance is {$870.00} which totals to {$1700.00}. At the end of XXXX, after many phone calls they refunded my escrow account and I recieved about {$4000.00} in XX/XX/XXXX. 

For XXXX, Pendfed is collecting {$530.00} everymonth which totals to {$6400.00} which is XXXX times what was used by the mortage company last year. The property insurance has already been paid for XXXX to XXXX. 

I have called the XXXX XXXX XXXX XXXX and they have indicated that they do not forcast an increase of XXXX times the current value. I would expect a buffer of maybe double which would amount to be about {$4000.00} per year. 

I also looked at my neighbors property which is assessed for more than my property, built by the same developer but two years worth of data ( parcel ID XXXX ), and it shows that there was no increase in the payment and they also pay approximately {$950.00} in property taxes. 

From my interaction with Penfed they are potentially discriminating against me also as person of color with a foreign sounding name as I have clearly provided them with data about the tax rates in the county including my neighbors. An additional fact is that XXXX XXXX, XXXX has the lowest tax rate in XXXX and also in the XXXX. 

I have neve rmissed a mortgage payment, and I have automatic payment setup through my bank for martage.
Product: Checking or savings account

I have been a customer of Bank of America for over 30 years. I got laid off last year and noticed that my savings was going down and now I have been hit with fees. I called the bank and asked them to wave the fees and they declined so I closed my account with the person on the phone... I asked her to put the balance into my savings account and close the account. She said fine. I did not notice that she let {$2.00} in there until I was hit with another fee. First, why would she leave money in there? i asked her to close it and transfer the balance. She was very nice but it is a scam. WHen I noticed that I was hit with another fee I immediately called the bank and told them what happened and tehey would not waive the fee and said the only way to close the account was to pay the fee and then they would close it. Even though It's clear that I was closing the account. Today I had to pay that bank another {$12.00} to close my account. I am now in the middle of putting my pay by checks onto my chase account. This is downright fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX before loan was transferred to Navient in XXXX. I have no record because I bank with a different bank Shows XXXX day late without XXXX or XXXX day late. 

All three bureaus show different information Account was in litigation while they reported late They failed to investigate disputes I disputed loans all XXXX XXXX all disputes were not investigated and verified accurate. 

Just disputed again last month and failed. I called to have them remove late payment and they would not do it. Even agreed to pay for a loan that was already paid off.
Product: Debt collection

Consumer Adjustment Company Inc ( CASI ) has reported an incorrect debt to the credit bureau which is negatively affecting my credit. The balance the collection agency is quoting was forgiven by the XXXX. I still have the XXXX letters that state that my balance was forgiven. I informed the credit agency of the balance forgiven via dispute on theor website and via email which was not resolved. The collection agency denied my dispute via XXXX XXXX 4 times. They won't remove the incorrect debt on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Checking or savings account

I was on vacation in XXXX and lost my debit card. Someone subsequently took the card and spent {$6500.00} in less than 15hrs. I reported it and disputed the illegitimate transactions the following morning. They reversed the charges pending investigation. Then a week later they decided that the illegitimate transactions were authorized and reversed this decision and removed {$6500.00} from my account. I have appealed and escalated with supervisors at least six times. At certain points they were making up transactions. The last denial was based on a legitimate charge that I did not dispute which I stated was legitimate from the first day. The last conversation I had I submitted documentation for the legitimacy of the charge I was not disputing and they continue to deny the claim. I have been assured with each conversation with supervisors that this would be resolved. I can produce eyewitness accounts proving there's no way I could have made these transactions and was in a hotel in XXXX while these illegitimate transactions were taking place.
Product: Debt collection

Syndicated Office Systems has not removed this debt on my credit report which was paid through my settlement by my attorney. I want it removed from my credit report. It seems Syndicated Office Systems has a habit of doing this to individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I got an email from XXXX stating that I could apply to an XXXX Credit card without impact to my credit score. I applied and a hard inquiry was added to my report. 
I requested to have this hard inquiry removed from my Transunion by XXXX. They refuse to do so. 
This is misleading advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report last XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account, I believe it was reporting in error. 

XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX and XXXX XXXX  using the domains pro-medicalkf.com, hemo-tx.com which involved me making deposits for a total amount of XXXX XXXX  from my Citibank account to fraudulent firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. AES, XXXX, XXXX XXXX, ie, XXXX, ie XXXX, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with XXXX lawyers and my lawyer. XXXX decided to discharge the debts owed to them. XXXX is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that navient agrees to discharge my debts to all 3 credit companies. XXXX, XXXX XXXX, and XXXX needs to stop reaffirming a debt they agreed to discharge.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App ( 1 ) failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial oss , and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was unable to use my TransUnion online account again because it was having issue, as it had for many weeks intermittently prior. A TransUnion Representative in the fraud department, " XXXX '' ( was both rude and unprofessional ) took my dispute over the phone after i told them I did not want to because I wanted to attach the supporting documentation needed for fraud/identity theft. Also, she kept deflecting and saying that she saw I had submitted a complaint to the CFPB ( a minimum of 3-4 times ) which had nothing to do with my conversation about my disputes with her. I was deceptively assured by several agents that day that this information was already on my file for the previous dispute and would be attached which was the only reason I provided the account information I wanted disputed to the representative. I VERBALLY SAID I DO NOT WANT TO DO MY REPORT ON THE PHONE IF I CAN NOT ATTACH MY FTC REPORT, ID FILES, POLICE REPORT AS SUPPORTING DOCUMENTS BECAUSE I WANTED THE MATTER RESOLVED WITHIN 4 BUSINESS DAYS IN ACCORDANCE TO MY RIGHTS UNDER FCRA 605B. After doing this, I was told the investigation was take 30 days despite my demands for it to be removed within 4 business days under FCRA 605b. The company is now saying they do not have the information/documents they need and they're unlawfully forcing me to remain with incorrect information on my report that is causing me financial harm - knowing that they have my police report number and FTC report on file, along with the request to block this information that was emailed on XX/XX/XXXX and XX/XX/XXXX with all required documents supporting my claim of identity theft attached. This was emailed to XXXX as I was directed to do. They continue to mishandle my disputes and I am requesting action from regulatory bodies regarding their continuous disregard for my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that TransUnion have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. How did you verify the date last active & why this you re-aged this account? Also how did you verify the date of last payment? May I know your investigation resources? This misleading information has reporting on my credit profile for over a year. The last payment for this account was XX/XX/XXXX, therefore the date you have reported for date of last payment XX/XX/XXXX & date last active XX/XX/XXXX ( REAGED ) in inaccurate and wrong. Also this account has been in dispute for the past 9months, why does it not state that in the comment section? You have charged off as bad debt. Dispute resolved, responded by grantor. It should state account in dispute. 
The following information therefore needs to be re-investigated and removed from my credit profile for immediately Account : XXXX XXXX XXXX XXXX I respectfully request proof of your investigation. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. In this complaint accompanies a copy of my TransUnion credit report showing proof of the inaccuracies reporting on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XXXX  XXXX Balance : {$620.00}
Product: Credit reporting or other personal consumer reports

Exeter Finance LLC is in violation of Section 609 of the Fair Credit Reporting Act ( 15 USC 1681 ). 
Account number XXXX was reported without my express written consent. According to the provisions of 15 USC 1681, this is a violation of my rights under federal law.

Specifically, I have not provided written consent for the furnishing of the following information : Account number XXXX.
Product: Credit reporting

In XX/XX/XXXX I filed chapter XXXX bankruptcy and XXXX wireless was XXXX of the creditors included on the bankruptcy. XX/XX/XXXX XXXX wireless sold the debt to XXXX and they have continued to sell the debt to different people the last five years and harassed me on my credit report to the point where I can not purchase a home. I have disputed this report several times with XXXX fax, experience, and Trans Union. I am a XXXX veteran who is seeking to use their VA home loan. I need a certain credit score and this creditor that was included on the Chapter XXXX bankruptcy in XX/XX/XXXX continues to report negative information to all three credit bureaus regarding this account in my name. the 's preventing me from securing a mortgage. Several attempts have been made to fax mail and send information such as my discharge of debtor and the actual schedule E which shows XXXX wireless as a creditor on my Chapter XXXX bankruptcy. However no one that I 've spoken to up to this moment has taken any action to remove this on my credit report.
Product: Debt collection

On XX/XX/XXXX I mailed a certified letter to Harris and Harris LTD., to validate a medical debt. I have not received any type of response from this company. I have called and spoke with someone and informed them that they were in violation of the FCRA ; and he assured me that the debt would be removed. Nevertheless, that has not happened and now I have not prepared a second letter by certified mail receipt and it is XXXX XXXX and it was mailed on the XX/XX/XXXX and I will await the response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to see if I would get pre-approved for an auto loan today XX/XX/20 but unfortunately I was not because apparently there are four accounts reflecting badly on my credit report. The accounts were opened with these companies. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. None of those accounts belong to me ; I have ever opened an account with any of those companies and I have never allowed anyone to open those accounts in my name. I have never signed any contract or agreement with those companies nor did I get anything out of those accounts such as money, goods, services or any other benefit and I never made payments towards those accounts. I don't know who opened those accounts without my permission but I have already filed a police report with all of the information I have in the moment. I also filed a compliant with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Student loan

XXXX XXXX XXXX I am sending you the credit report number from XXXX. I am requesting the collection be cleared from all credit reporting agencies and my account be put in good standing and paid in full. I also am attaching Navient 's written correspondence indicating not to make any payments while the funds were being processed. I called at XXXX on XXXX XXXX asking about the delinquent status being reported on my credit report. I spoke with Christen ( XXXX ) and she gave me a request work number of XXXX. I am requesting immediate action on this request with follow-up.