23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan is XXXX XXXX XXXX on XX/XX/2023. 
I reached out to US Bank on XX/XX/2023 to request for PMI removal. US Bank took the {$190.00} fee that day. And I expected a call from a realtor for a BPO as I chose to do it based on current valuation. 
However, I did not hear from anyone so I called US Bank to follow up on XX/XX/2023. 
At first, they told me they rejected the request and returned me the {$190.00} because it should be {$410.00} for an appraisal. I told them that is wrong because US Bank puts in writing that it would be a BPO ( Broker price opinion ) and not an appraisal. 
The staff changes to another reason that my loan balance does not meet the XXXX based on origination value. I told them that is wrong because I specially requested the removal based on current valuation, hence I paid the {$190.00}. 
The staff then changes again to another reason that I did not meet the substantial improvement dollar value that XXXX XXXX requested for the loan that is less than XXXX XXXX XXXX. They said XXXX XXXX requires me to spend {$45000.00} substantial improvement ( 10 % of my original valuation ) and I have only spent {$10000.00} that can be counted towards substantial improvement. I told them that is wrong because the XXXX pages XXXX XXXX guideline does not have a dollar value or % that I must spend on substantial improvement. I asked for the proof. She then transferred me to someone from the mortgage removal department and that someone told me she would get her boss to call me. No one called me. 


I called again the following week and now they said to receive the proof, I need to put in the request and they would send it by email and mail by the end of business day of XX/XX/2023. 

Nothing is received so far. I called again today on XX/XX/2023 and they told me that they mailed out a letter yesterday and I would receive it within 10 days. 

This is their sneaky way so that I will not be able to do the removal by my mortgage 2 year anniversary ( XX/XX/2023 ). And they keep telling me that I can do it after the 2 years so I can get away from the substantial improvement. However, after the 2 years, XXXX XXXX will require 75 % XXXX ( instead of 80 % before XX/XX/2023 ). This is how US Bank cheated us consumers to continue to pay the private mortgage insurance even though we might be qualified to have it removed. No where in the guideline XXXX XXXX requires such dollars but US Bank tries to use such wording to shut people up.
Product: Credit card or prepaid card

I purchased a table and 6 chairs from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I opened a store credit card and was given a {$1000.00} line of credit. The table and chairs was a total of over {$2300.00}. I put {$1000.00} on the store card and used my ATM for the balance of XXXX. I made the usual payments for months. On XX/XX/XXXX I made a balance transfer of the remaining balance on my XXXX XXXX XXXX of {$620.00} to my XXXX XXXXXXXX XXXXXXXX XXXX 
On XX/XX/XXXX I received an alert that my card was used for {$1000.00}. I immediately called all the number on the back and reported fraud to to XXXX XXXX the credit card servicer. They told me they would take care of it and opened a fraud investigation. I faxed the paperwork they had sent me on XX/XX/XXXX. Months later I got a statement from XXXX asking for a payment on the XXXX. I called the fraud department and the woman informed me that my claim of fraud was denied because I did recieve the table and chairs. When I told her I had only purchased 1 table and chair set she put me on hold to confirm. She came back on and told me that in fact it was the same purchase and she would re-open the case. It has now been 6 months and they have not solved this issue and in fact, the charge is still on my credit report. They are not helping and I am at a loss. I am confused and in disbelief that this can happen. They have been complacent and delinquent. 
I will inclose or send all of my documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX about this inquire on XX/XX/17 several times with zero response. This is a fraudulent inquire. I did not make this inquire, nor would I ever have inquired about anything involving XXXX XXXX.
Product: Credit card or prepaid card

On XXXX XXXX I submitted minimum of XXXX to jcpenny credit card. I then received an email stating jcpenney did not received my payment for the month of XXXX. 
I then send jcpenney penny proof of my bank statement stating that payment was made to jc penny. I also provided proof of text message sent to me with confirmation number once payment is successful. 
I resubmitted the proof once again to jcpenney credit card on XXXX XXXX. 
On XX/XX/2021, I spoke to XXXX from jcp credit card and put her on 3way with XXXX XXXX  representative. XXXX stated that the XXXX dollars was reverse to XXXX checking account. The representative from chase confirm to XXXX from jc penny credit card that a payment was made to jcpenney on XXXX XXXX and that no payment was reverse back to chase checking account. My minimum payment for this month is XXXX when it should be XXXX and this because jcpenney credit card has this month payment for XXXX dollars plus the missing payment for XXXX of XXXX plus the late fee of XXXX which totals to XXXX dollars. The month of XXXX was paid for.
Product: Debt collection

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Caine & Weiner Dear Sir/Madam, I am writing to file a formal complaint against Caine & Weiner regarding their attempts to collect a purported debt from me. I dispute owing any and all debts to Caine & Weiner and request your intervention in resolving this matter. 

Firstly, I want to emphasize that I am revoking all rights of Caine & Weiner to communicate with me via email, text, or phone calls regarding this matter. I request that they cease all forms of communication immediately and correspond with me solely via written mail. 

Furthermore, I am requesting validation of the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Caine & Weiner has failed to provide any documentation or evidence proving the existence, validity, and ownership of this debt, including but not limited to : 1. The purchase agreement between Caine & Weiner and the original creditor. 
2. Proof of licensure and bonding as required by law. 
3. Any agreements or contracts that demonstrate my obligation to pay this debt. 

It has come to my attention that Caine & Weiner has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. This action is in violation of my rights under the FDCPA. 

Additionally, I have not been given the opportunity to dispute the account, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( * ). Caine & Weiner 's actions constitute false, misleading, and deceptive practices, which are clear violations of consumer protection laws. 

Furthermore, Caine & Weiner has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law, as per 12 CFR 1006.34 ( D ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Caine & Weiner for their unlawful and unethical practices. 

I appreciate your attention to this matter and look forward to your prompt response. Thank you. 

Sincerely, XXXX XXXX
Product: Debt collection

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit on open and any consumer plan as late for any purpose
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

ok here goes each time some one applies for a loan, or any type of thing you get you credit score lowed.. so does that person get there score back no .... so why does some one have to have a lower score ... and have to wait 2 years to get it back. and why does it take so long to just talk or put in paper work to get it back .Q : have you every asked for help in any way ... so now be honest have you ... going for a loan is like asking for help so each time you do your credit score goes down on my turn down letter it says Number of recent inquiries ... funny when i ask for help i get a ding that ding is there for 2 years so i am going to sue this place and the company and the credit places, why is it that a persons credit goes down and why does a person have to Waite so long to get it back agene if you need help and can not get help i Quess you are out of luck ... right the company told me i have 38 ... 38 serious delinquency 's funny i have a son with my same name am i getting his to.. i know he uses my name dob, and all my things funny very funny
Product: Debt collection

My name is XXXX XXXX and I own XXXX XXXX in XXXX, MN. We have been continuously harassed by XXXX for a contract my agent XXXX XXXX supposedly signed at a real estate conference in XXXX XXXX. We started receiving statements in the mail for a service neither XXXX or I knew what services they provide. I received them at my office and started forwarding them back to XXXX because it clearly seemed like a scam to me. Several representatives started calling XXXX and than eventually me to demand we pay the balance. We stated numerous times we had no idea what this was for and that we wanted a copy of the contract. We never received it. 

We contacted XXXX around XXXX XXXX, 2016 to speak to a representative and were referred to a XXXX XXXX, a customer relations specialist ( XXXX XXXX ). She sent a copy of the contract to us and it was incredibly apparent XXXX 's signature had been forged and our company was listed as " XXXX XXXX ''. She insisted we send a copy of XXXX 's driver 's license so they could compare signatures. We told her we were not comfortable with that in fear we were being scammed. 

The case was referred to a collection agency who we told numerous times we had been scammed and would not be paying the balance. 

Recently, we received a letter from a Leviton Law Firm dated on XXXX XXXX on XXXX XXXX demanding we pay the difference. I drafted a letter back XXXX XXXX to a XXXX XXXX stating XXXX was an independent employee with no company ownership and was not authorized to sign anything on behalf of the company and that this was not a legitimate claim. Furthermore, that we did not want to be harassed any further on this manner. 

Today I received a call from a XXXX XXXX ( sp? ) XXXX Ext XXXX saying he was with the XXXX XXXX team threatening litigation. I advised we had no idea who XXXX was, had never used their services, and that we had been scammed. I asked if he even had a copy of the contract and he said no. It was clear his whole point of the call was to argue and not resolve the manner. Just do a simple XXXX search for this guy and you can see he 's a scam artist. 

I will not put up with these kind of threats and damage to our reputation. Please look into this manner ASAP with XXXX and the Leviton Law Firm. 

Thank you
Product: Credit reporting or other personal consumer reports

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 Date Opened : XX/XX/XXXX Amount : {$8300.00} I am writing to file a formal complaint regarding continuous harassment from creditors listed above, demanding payment for debts I neither recognize nor authorized. I have no knowledge of these accounts. 

On XX/XX/XXXX I filed a report with the Federal Trade Commission ( FTC ) under 16 CFR Part 660, specifically 16 CFR 660.2 ( Identity Theft Reporting ), regarding these unauthorized accounts and the misuse of my personal information. 

These creditors are contacting me concerning accounts I did not open and are sharing my personal information without my consent, in violation of my rights. This constitutes persistent harassment, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d ( Harassment or abuse ). 

Furthermore, the three major credit bureaus ( Equifax, Experian, and TransUnion ) are refusing to investigate and dispute these inaccuracies, a direct contradiction of their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ). 

Under the FDCPA, specifically the provision prohibiting debt XXXXollectors from engaging in any conduct that harasses, oppresses, or abuses individuals in connection with debt collection ( 15 U.S.C. 1692d ), these actions are a clear violation of my rights. 

Furthermore, pursuant to 18 U.S.C. 1028 ( Fraud and related activity in connection with identification documents and information ), I do not owe any debt to these companies. They are also violating my right to privacy under 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible purposes of consumer reports ), as they have no permissible purpose to report or share any information regarding me. 

I demand an immediate investigation into these matters and request that these unauthorized accounts be removed from my credit reports and that the harassment cease immediately.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App 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 resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 

XXXX XXXX XXXX : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  is of committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item on ALL my consumer reports unethically. This is an invasion of privacy 1692 ( a ) and they are in violation. I have been down to the local courthouse several times and they told me they have not reported anything to these bureaus. So, how are they getting this information. This is a serious violation and this item must be removed from my consumer report. These companies are committing illegal acts against me by placing these inaccurate items on my report. I have been denied employment twice already because of my consumer report. These companies are under investigation by the ATTORNEY GENERALS OF THREE STATES, THE CONSUMER SENTINEL, THE CFPB, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SYFFERING AND ILLEGAL ACTIVITY.
Product: Student loan

My complaint echo 's the suit being filed against Navient. Any time I have reached out to Navient, they have n't assisted me with lowering my payment. I also have tried to reach out to them and pay a lower amount monthly which they have declined multiple times. Recently, the company automatically put my loans in forbearance without my permission. Also, when I fell behind on payments they would constantly harass my co-signer. They would call as early as XXXX, about 7 times a day.
Product: Debt collection

I purchased an item through XXXX back in XX/XX/XXXX and decided to finance the item through Affirm. I never received the item and was told through XXXX to file a police report because of the cost of the item. XXXX then confirmed the police report and had to report it to Affirm. I was contacted by Affirm and was told from them that XXXX was responsible for sending the police report. Affirm had reached out to me multiple times. I also then reached out to XXXX confirming the police report. There was nothing that I could do on my end at that point besides making sure XXXX sent them the report. That went on from XX/XX/XXXX until XX/XX/XXXX. Which I was then reported for no payment.
Product: Debt collection

Machol&Johannes,LLConceagainillegallysharedinformationabouttheircaseagainstmewithathirdparty.

Previously,theyhadmailedinformationtomyfather.Theirresponseindicatedthattheywererequiredbylawtosendsuchmaterialstomyphysicaladdressinsteadofmymailingaddress.However,whattheysentwasjustaregularnoticeofgarnishment.TheyhadsentthemtomyPostOfficeboxpreviouslyanddidsofollowingtheincident.

Thistime,ontheafternoonofFriday,XX/XX/XXXX,theiragentknockedonthedoorofmyfather'shome,handedhimaMotionforRevivorofJudgement,andleft.Itwasnotinanenvelope.Myfatheriswillingtotestifytothisiscourt.

Moreover,I'veresearchedthecompanyandtheyhavealonghistoryofsuchtactics.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, the 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 has caused significant inconvenience and financial loss and I seek the appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I attempted to reach out to XXXX again spoke with a rude representative by the name of XXXX who advised me that I didnt like what she was saying which all I told her was that I dont recall the addresses verbatim. If I provide you with my current and previous address common sense would tell you to remove everything else. I would like the agent reprimanded and since everytime I submit a dispute it comes back in less then 2 weeks. Due to this I reached out to one of the creditors they advised me that they would send me a packet then reach out to creditor to advise with XXXX they just say its yours so why do I get a different outcome when I attempt to call. I have received several letters about my information being breached but they never seem to address that. 

XXXX XXXX : XXXX XXXX never lived there or attempted to stay there I used an apartment locator XXXX XXXX because I have an eviction XXXX XXXX XXXX same as above XXXX XXXX- {$360.00} XXXX XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX I was living at XXXX XXXX XXXX XXXX XXXX, TX XXXX. I already had a place and moved into my new place XX/XX/year>. 

Information listed below is for XXXX : I sent several letters to update my address due to constantly receiving notice of data breach letters information was never updated Inquiry : XXXX XXXX- should have been removed XX/XX/year> still on my report Disputes : XXXX  XXXX XXXX not aware of account requested information never received it XXXX- XXXX not aware requested account information never received XXXX- XXXX not aware of account requested information never received account verification information TransUnion- XXXX- XXXX not aware of account requested information never received account verification information XXXX XXXX XXXX not aware of account requested information never received account verification information XXXX- XXXX not aware of account requested information never received account verification information It is very upsetting that you send several letters to the bureaus but they dont even investigate they wait 14 days then send letters saying the disputes are complete. However when the consumer reaches out to the creditor its a different outcome. This is a huge inconvenience because I need a car but first I have to clear these discrepancies with the bureaus who are not consumer friendly.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my husband recently reviewed and found multiple accounts that have been opened in my name without my knowledge and they were removed and came back without a 5 days written notice and that's a violation. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX these accounts : XX/XX/XXXX