23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I notice in my billing that the Variable interest rate did not drop with the most recent fed rate drop. I reached out the the service providor asking about the loan inerest rate. Twice I was told within 10 minutes of my submission that they just service loan and was not able to help with inetrest rates. I am not asking them to drop the rate but I do expect them to inquire to the lender who is issuing the loan to verify the information they are charging. They don't care if you are over charged because they are going to make their money ethier way.
Product: Credit card

I recently got a Chase preferred credit card and received a pamphlet with their ostensible benefits. XXXX of these benefits was travel cancellation insurance. XXXX of the excluded conditions was " a pre-existing condition. '' When I called to find out how they defined that, they read me a definition over the phone. But when I asked that that be sent to me in writing they refused. This was the benefits administrator, who then advised me to call Chase directly. Chase also refused to send this information.
Product: Debt collection

The amount of {$14000.00} was reported on my credit report by Cedars Business Services I do not have any knowledge of this account. It does not belong to me. I request it to be removed and deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$420.00} XXXX  XXXX {$6300.00} XXXX XXXX XXXX {$550.00} XXXX, XXXX {$600.00} XXXX  XXXX {$1000.00} XXXX  XXXX {$270.00} XXXX, XXXX {$66.00} XXXX, XXXX {$110.00} XXXX, XXXX {$94.00} XXXX, XXXX {$100.00} XXXX XXXX XXXX   XXXX {$180.00} XXXX  XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$720.00} XXXX   XXXX XXXX XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

customer service would not help and take care of the negative inquiries reporting to your credit report.
Product: Debt collection

Discovered my credit was in poor condition due to a collection agency named Fair Collections and Outsourcing demanding I pay almost {$8000.00} on behalf a apartment management company. I have no letters, emails or paperwork from this company. Just the limited information I found online when looking up my credit score.

Due to unsafe and dangerous living conditions in the apartment I was living in I had to move out of my apartment. When I first moved in I was not informed by management that the tenant was mentally unstable and actually needed a caretaker due to his mental illness.
Product: Credit reporting

Experian credit needed to take off XXXX collection items off the credit report that were paid in full showing on credit report dated XXXX/XXXX/15. XXXX contracting services/XXXX in the amount of {$1300.00} and XXXX hospital in the amount of {$900.00} were paid in full and are still showing on another credit report dated XXXX/XXXX/15. And again on XX/XX/2015.Experian also brought me credit score down XXXX points after paying off a medical bill in full. I ran my XXXX XXXX report from the XXXX website XXXX times which cost me {$16.00} to {$20.00} each time the report was printed. The reports included XXXX, Experian and XXXX credit reports and scores for all credit reporting agencies. The only company that is reporting correctly is XXXX. Experian and XXXX are not being regulated by anyone at all. Help Me XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on [ FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX XXXX
Product: Mortgage

Platinum Home Mortgage Corporation, PHMC, continues to charge PMI on the mortgage though the XXXX is presently at XXXX  % I've made several requests over the past 3 yrs to stop PMI. I understood PMI would be charged since the down payment was less than XXXX %. 
I have made consistent mortgage payments for the past 4 years never even late and always paying more than the required amount. 
The Homeowner 's Protection Act of XXXX and XXXX 's website states aXXXX XXXX % XXXX and a consistent record of payment the PMI is automatically removed. They are using every excuse not to stop PMI like not enough entity, requiring a XXXX for {$150.00} or a full appraisal at {$320.00}. The recent excuse is FEMA declared a high risk emergency in XX/XX/XXXX But in reviewing FEMA 's website XXXX XXXX is not on the list. Also I believe the XXXX was achieved before XX/XX/XXXX so that occurred after the loan was under XXXX % XXXX. 
I need help and want a refund of unearned monies. They also have my {$150.00} in a restricted column after agreeing to credit me placing it in the principal column. Two weeks later unbeknownst to me the credit was removed and placed in a restricted column and no BPO was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested from the credit reporting agencies the removal of a public record being reported on my credit reports, they have come back as verified by the furnisher who they list as the US Bankruptcy Court XXXX Texas. I received a letter from the United States Bankruptcy Court XXXX XXXX of Texas that states that they are the furnisher of the information and that they don't report information to or remove information from credit bureaus. So after talking on the phone with XXXX and requesting in writing the process of the investigation and how they obtained and verified the information from the United States Bankruptcy Court XXXX XXXX of Texas, I was told that Lexis Nexis a third party company was the furnisher which is in violation of the FDCRA which states only the furnisher of and account or information can report/furnish information in credit files. So since I never had any accounts with LexisNexis they are in violation of Federal Law and United States Bankruptcy XXXX XXXX XXXX of Texas states they didn't provide nor report this information to LexisNexis.
Product: Credit card

Examine the attached documents. I request the bureau to initiate an inquiry into these accounts, which I have never been late on, yet they are reporting tardiness.
Product: Debt collection

Ally Bank is Violation of the Fair Debt Collections Practices act Law as well as fraud. I wrote to this company several months ago, requesting Verification. They did not respond back to me in the allowed time frame the law allows ( 30 days ), and still continued collection activity. They have committed Fraud and Broke the Law, as well Violated My Consumer Rights.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block and remove all information appearing on my consumer credit report that has resulted from identity theft and fraud within four business days of receipt of this notice. The fraudulent and inaccurate information consists of several accounts and collections opened without my knowledge or authorization. 

These fraudulent accounts include : 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 
These accounts have led to several fraudulent inquiries and collections, which now appear on my credit report. I do not recognize any of these accounts or the inquiries tied to them. All of these fraudulent entries were not made, authorized, or initiated by me and are the result of identity theft. 

I have attached the following documents to support my case : A copy of my FTC Identity Theft Criminal Complaint ( Case Number : XXXX ). 
A copy of my credit report showing the fraudulent accounts and inquiries. 
A list of the fraudulent inquiries associated with these accounts. 
I demand that all of these accounts, collections, and hard inquiries be removed from my credit report and that all related collection activities cease immediately. I expect this to be resolved promptly in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and applicable federal laws. 

Thank you for your attention to this matter. If further information is required, please contact me directly.
Product: Payday loan, title loan, or personal loan

Back in XXXX of 2021, Fig loans dispersed a loan in the amout of {$400.00}. I get an email stating my account numbers for paying said loan were incorrect. I informed them at that time that I didnt take out the loan, and thats why the numbers were incorrect, and obviously it was fraud. After many many threatening emails from them, they are still refusing to remove this from my credit report, and saying I still owe them. I provided them with proof that I never took the loan out, but they refuse to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach and have Included proof. Please delete unauthorized accounts I have Identified on my credit reports 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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure 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 loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian and XXXX have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, Ive disputed multiple inaccuracies on my credit report with Experian. These accounts were XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All of these accounts were reporting past due balances after the account has been closed and in collections. This inaccurate information has caused my credit score to drop tremendously. 

XXXX : past due balance {$1000.00} XXXX XXXX : past due balance of {$470.00} XXXX XXXX : {$350.00} Ive disputed these accounts several times, only for it to be updated with inaccurate information. This has made it very difficult to obtain employment as well as housing.
Product: Mortgage

I contacted Pennymac bank in XXXX of XXXX to inform them that I had recieved a property tax exemption for XXXX, XXXX XXXX due to my XXXX XXXX disabled veteran status and requested next steps to get my mortgage Payment adjusted to account for the exemption The gentlemen took my information and information for the county and said give it a couple weeks, Pennymac will send a letter. 

Approximately middle XXXX I followed up, this time I sent a copy of my exemption letter via Pennymac message portal. Again I believe I got a reply " thank you for updating us, allow us some time and we'll get back to you. 

In XXXX or early XXXX timeframe I contacted Pennymac customer service to ask about status. I was told over the phone that the adjustment would be made once they got a bill from the county. 

With that bit of information, I called XXXX XXXX to verify that my tax exempt status was in force and asked when tax bills are sent out. XXXX XXXX explained that bills are sent out in XXXX and XXXX. Therefore, Pennymac should have recieved a XXXX XXXX reflecting that status and been able to make the adjustment. 

I asked the county for a letter explaining my exemption status, how much I had been taxed, and how much my future taxes would be ( XXXX given the exemption ). Once I recieved the letter, I forwarded it and the original tax exempt letter again to Pennymac in XXXX, along with an email explaining all the steps I have tried to take since then. It was at this point I realized I need to start saving every piece of correspondance -- correspondance attached ( it will be the XXXX time I am sending the original exemption letter. ) Since sending that letter, I have recieved a reply saying it was elevated to their tax department but still both my XXXX and XXXX statements reflect the unadjusted amount and I have received no other correspondence explaining why they can not make the adjustment or when they will be able to adjust for my Veteran Exempt status. 

In short, it has been XXXX months since I first notified Pennymac of my status and request to adjust. Outside of standard form replies I have received no explanation of why they are unable to make the adjustment or what else ( if the XXXX letters are insufficient ) they need to fix this
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I contacted National Credit Systems to attempt to resolve my debt at an apartment community I use to live at. XXXX XXXX, the representative over my account was obscene, being rude and stating that she was n't trying to hear me say what was legal because I am not a lawyer. She then transferred me to her manager, or supervisor, voice mail. I left him a voice mail. Then I called back to ask if a different rep could be assigned to my case and the operator informed me that no that could not be done. She gave me the manager and supervisor extension ( XXXX XXXX XXXX XXXX XXXX ). I left a voice mail with XXXX of them also. I am trying to resolve this debt before it hits my credit and XXXX XXXX is not allowing me to do so because of her disrespect and non cooperative attitude and behaviors. I have read the laws governing fair debt collection and consulted with legal counsel regarding it. XXXX XXXX told me that even if I was paying on my debt since it was n't auto drafted from a checking account it would not stop it from being reported to the credit bureaus. This is a violation and unfair credit practice. The call was monitored and recorded so there is proof.
Product: Checking or savings account

To whom it may concern : My entered a claim with BANK OF AMERICA for XXXX. Had to leave venue and not attend the concert due to XXXXXXXX XXXX XXXX in the building. My claim was denied despite that XXXX XXXX XXXX has a NO SMOKING POLICY and the arena was not able to accommodate me or party with other seating. BANK OF AMERICA denied the claim. I sent them the NO SMOKING POLICY and chat transcript with XXXX. 


Regarding Claim # XXXX I purchased tickets to the XXXX XXXX XXXX ( XXXX ) tickets. My XXXX XXXX XXXX XXXX of the person who attended the event, it was a surprise for a XXXX birthday. This is not my first time visiting XXXX XXXX XXXX, however this was my first time with this experience. Right after the show started, the lights went out a strong smell of XXXX took over the section. I reported to the usher, the usher witnessed the same odor ( XXXX XXXX moved my party to a section with obstructed view, which means limited to no view of the stage, I was upset. I called the box office and suggested and was told that I needed to go to guest relations, at guest relations I was told there was no other seats for us to be moved to. I explained that I paid {$500.00} for these tickets and its unfair that my child and myself is subjected to XXXX, when I dont even do drugs. I was told that because I purchased the insurance with the tickets I would get my money back. I called the insurance company to file a claim and the rep explained the insurance is used for if I missed the show due to illness, accident or death, not because smoking of XXXX was done inside of the venue. So there was no need to file the claim. XXXX XXXX has a no smoking policy. I asked how was allowed through security, no response. I left the show. When XXXX agreed to have an event at XXXX XXXX, XXXX agreed to abide by the policies, rules and regulations of XXXX XXXX XXXX. There is a clear policies and it states : Smoking Policy Smoking and vaping are prohibited at all XXXX XXXX XXXX events. 
There are no designated smoking areas at the facility. 
Guests leaving the facility will not be permitted to re-enter. 






Another dispute with BANK OF AMERICA ( XXXX ) On XX/XX/XXXX I filed XXXX seperated claims, because XXXX debited my account twice that day. One claim was approved ( XXXX ) amd the other denied ( XXXX ) I was not expecting any of the charges, the subscription was requested to be cancelled multiple times and the account was NEVER set up. Recvd an email stating I would not be charged because the account was NOT set up but I was charged XX/XX/XXXX {$230.00}. I submitted evidence to BANK OF AMERICA and again parital denial.
Product: Money transfer, virtual currency, or money service

I transferred XXXX from my Venmo to my checking with XXXX XXXX ending in XXXX on XX/XX/22. Venmo promised bank transfer by XX/XX/22. As of today, 8 days later I have not received my money. I called, chatted, emailed Venmo over XXXX times in last 8 days. Every rep gives the same response, bank transfer pending under review. Every rep told me the issue is escalated and account specialist will respond in XXXX hours. 8 days later no one called. I just called again today, same response wait XXXX more hours. No one tell the reason. Venmo took my money from same checking with XXXX  but now not giving my money back. Please help! Thanks!
Product: Credit reporting

I have asked on numerous occasions for my address and Name be corrected on my Credit reporting account
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA XXXX [ 15 USC 1962XXXX ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action