23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My PMI was supposed to have been canceled as of XX/XX/XXXX as confirmed with Flagstar Bank several times with agents over the phone, last one XX/XX/XXXX with a case number of XXXX. I was told then that my PMI would be processed for cancellation and that I should not be charged again on my XXXX statement. 

I just checked and I was billed for PMI again on my statement dated XX/XX/XXXX more than XXXX calendar days after the request was made. I've tried contacting Flagstar again to resolve the issue and keep getting sent to other agents with only promises of escalation. 

This isn't the first time Flagstar has had poor customer service. There have also been circumstances when they have from my XXXX  been out of compliance with regulation, e.g., when my loan was transferred to Flagstar they didn't provide notice in the minimum required amount of time stipulated by the CFPB, and have in the past as a result of their poor systems double charged me ( when a payment was not reflected in their system after being made ).
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled with XXXX  XXXX XXXX XXXX back in XX/XX/2010. At the time of enrollment I was told that my credits from my prior school would transfer towards my degree. It wasn't until a the end of XX/XX/2010 that I was informed that they wouldn't transfer my credits. I therefor withdrew from the college extremely upset that I was mislead and wasted several months that I assumed was being put towards my degree. I enrolled in a different school. The statue of limitations for how long the accounts can report has long expired. Again this all occurred in 2010 and at no point was payment made. It's now almost 9 years and the four accounts are still reporting. This is clearly a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

There is an account on my report that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX 's XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX, XXXX, TX XXXX Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Whom It May Concern : Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX XXXX CO ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$1000.00} {$1000.00} No. of Months ( terms ) : - - High Credit : {$1000.00} {$1000.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Consumer disputes this account information Medical Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX thank you
Product: Payday loan

Receive phone calls at least twice a day for my warrant of my arrest and that I 'm being sued. Now family/friends/work are being called and threatened. When I try to return the call to ask for documention to be sent to me in writing there is not answer. Is this a scam.
Product: Credit reporting

My XXXX XXXX Bankruptcy started in XX/XX/XXXX, Account no : XXXX and it was removed from my Equifax credit report in XXXX, XX/XX/XXXX. In XXXX, XX/XX/XXXX it was placed back on my credit report now showing a different name. IL FED Bk CT-East XXXX XXXX. Account number is still XXXX.
Product: Mortgage

On XX/XX/XXXX, my husband and I applied for a 30 year fixed real-estate mortgage with Guaranteed Rate ( XXXX XXXX XXXX XXXX ) for purchase of a home. On XX/XX/XXXX, the mortgage team informed they will submit our application to underwriting and conduct a " hard pull '' on the credit check, which we agreed to. However, the company did not give me an opt out or disclosure that Credit Bureaus XXXX XXXX ) would sell information regarding my credit check. For days after this credit check, I was inundated with phone calls and text messages from other mortgage processors across the country who were alerted to my credit check information. 
To protect consumers, federal privacy laws give consumers the ability to opt out of this information sharing. 12 CFR XXXX. We were not given this opt out option by Gauranteed Rate or XXXX XXXX. Upon complaining to XXXX XXXX, his solution was that we " ignore our phone calls '' but nothing was explained about how we protect our disclosed private information ( which was the primary concern here ).
Product: Money transfer, virtual currency, or money service

Paypal Client disputed past payments for apartment after falling behind. Provided Paypal with evidence but closed the case because of lack of shipping info Client disputed all past transactions after they fell 2 months behind and we requested possession of the unit. The client claims that they never received the product or service, but continued making payments over time, and still are occupying the space. We provided Paypal a copy of the clients ID at time of checkin with the keys, the guests invoice, the initial reservation they made, the dispossession we filed against the client all based on what Paypals representatives keep telling us we needed to provide. Even after provide everything that was asked for Paypal wont return the money to our accounts, leaving us with a negative balance. This is preventing use from operating our business. The last communication with Paypal the supervisor said they wont look into it any further. Evidence has all been attached to the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own a high school degree Someone has stolen my information With out my consent I have student loans Along with medical bills I never signed paperwork For school nor any credit cards my Address is XXXX XXXX XXXX XXXX ny XXXX I can not get into my Experian account to place a freeze or change or fix incorrect information thats hurting my credit score I have filed with the other 2 credit bureaus they have removed few things
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the late payments reported by XXXXXXXX XXXX XXXX XXXX on my credit report for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I believe these entries are in violation of federal laws, including my rights under 15 U.S.C. 1666b, and request the immediate removal of these late payment records.

1. Violation of 15 U.S.C. 1666b Under 15 U.S.C. 1666b, a creditor is required to consider the timely receipt of payments if they are made in accordance with the creditors reasonable requirements. However, the reporting of these late payments raises concerns about whether the proper procedures were followed, including the correct application and processing of my payments. If the creditor can not provide proof that these payments were indeed late and processed correctly, I request the immediate removal of these entries.

2. No Law Requires Transactions to Be Reported There is no federal law mandating that any specific transaction, including late payments, must be reported to credit bureaus. Reporting is voluntary, and as such, I believe that the inclusion of these late payments on my credit report is unnecessary and unjustified, especially in the absence of my explicit consent. 

3. Violation of Privacy and Lack of Consent By reporting these late payments without my explicit consent, XXXX XXXX XXXX XXXX is violating my right to privacy. I have not authorized the sharing of this information with credit bureaus, and its presence on my credit report constitutes an overreach and infringement on my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Synchrony Bank claiming that I applied for a LUXURY loan. I have no recollection of applying for this. Synchrony needs to remove this inquiry from the Credit Report. I'm copying XXXX on this complaint. This is incredibly concerning.
Product: Checking or savings account

Some friends sent me money to my Venmo account to buy some plane tickets and I would be in charge of buying them all together for personal reasons I couldn't travel and the airline refunded me the money in full the tickets were first class tickets with a value of XXXX usd each, so when the money was returned to me by the airline, the amount was approximately XXXX usd days later Venmo freezes my account and asks me for proof of identification and after that they send me an email saying that my account had been closed permanently I think that if they close my account for some reason that I don't understand because they don't want to explain to me what the reason was, they should let me withdraw my funds to my bank account because it's a lot of money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this account for a year it has been removed from XXXX and XXXX this account need to be removed from EQUIFAX Violation of CFR 313.7 ( f ) Violation of 15 USC 6802 ( 2 ) ( b ) Violation of 15 USC 1681b ( a ) ( 2 ) Violation of 15 USC 15 USC 1692e ( 3 )
Product: Mortgage

I contacted Mr. Cooper on XX/XX/XXXX for a modification package. I contacted my single point of contact using information from a QWR letter mailed to the servicer in XX/XX/XXXX. The single point of contact number in the letter was incorrect. I was not routed to my single point of contact. Instead i was given an automated message to call a different number. I waited on hold for about 10 minutes. The representative picked up the call and asked me to verify the information on the loan. I requested a modification package from the representative. The representative talked for several minutes and said i needed to have my attorney contact the servicer. I do not have an attorney and i only am asking for a modification package to be sent to my mailing address. I then asked again to be sent a modification package. I was not told where to find a modification package or how to get a modification package. I was only told that my attorney needs to contact Mr. Cooper. I am representing myself Pro-Se and have not retained an attorney for this matter. So, I again requested a modification package. The representative told me on several occasions that she would not send me a package. I spoke to the representative until XXXX XXXX EST and was not provided any information on the modification package or how to obtain a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have identified a XXXX XXXX  account XXXX {$13000.00} on my credit report that is part of this. 

I filed an identity theft report with the FTC back in XX/XX/2021 and submitted it to XXXX and Transunion so they can remove the fraudulent account. However, they continue to report the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX DEPTEDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 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 the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX are reporting XXXX XXXX XXXX 4 year old charge offs every month as if the charge offs are new ( see attached pics ). This has caused me to be turned down for a HELOC recently. They are showing up as open on myfico, the data base most companies use. This is a violation of my right to have an accurate credit report under the FCRA.
Product: Debt collection

I am a single mother that has recently tried to purchase a home. i was denied because of negative accounts on my credit. Which what made me to see my own credit report to see fraudulent an unauthorized accounts on my credit.
Product: Payday loan, title loan, or personal loan

Says pnc will not allow cause they made changes. I want to allow XXXX to try and offer me a loan.
Product: Checking or savings account

To Whom It May Concern, First, I have not turned down the other account XXXX XXXX so please do not put words in my mouth metaphorically speaking because that is not accurate concerning our conversation. However, I do remember your office calling me and inquiring about what I wanted to get things resolved during our first conversation, and I told you that " I wanted all of the overdraft fees returned and all of the XXXX fees returned than I wanted the bank account closed '' My mother who talked to you shortly after I did said the same thing even though any information or conversations with her were limited. 

Nonetheless, as I have stated various times, I don't want to be in a relationship with the bank anymore due to lies, poor information, and the lack of good customer service, especially when I went to get a letter notarized at the bank you're over and was treated like human trash, by an employee your branch hired and needs to fire. 

I doubt that you've even spoke about the situation to her. The letter I needed notarized was time sensitive, and your arrogant and unfriendly employee didn't even try to help me even though 5 employees or more were in the bank at the time ( you can pull the camera footage for that interaction ). 

Also, as I mentioned, she doesn't need her notary license if she doesn't want to do notaries. It's against the law concerning what she did in XXXX. You've made some excuses for her actions but let 's be honest there are none because she believes she is more than what she is per se. 

Lastly, XXXX provided me with a letter to give to you due to their error, and you've have yet to act on that. Maybe it was missed in the attachment section? I am requesting for my requests to be met, or I can contact XXXX XXXX 's office ( either or is fine with me ). 

Best,
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 measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution proces 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 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  Self Financial / SouthState Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute and Request to Remove Negative Account from Credit Report Account Number : XXXX Last Four Digits of XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally dispute the negative account reported on my credit file associated with account number XXXX. My name is XXXX XXXX, and I reside XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) are required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from identity theft. This must be done within four business days, and the furnisher ( s ) of the information must be promptly notified. 

To initiate this process, I am providing the following documents : - Proof of my identity - A copy of my identity theft report - Identification of the disputed information - A statement affirming that the information is not related to any transaction I have conducted Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person is prohibited from furnishing 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. I believe that the negative information associated with this account is inaccurate and was not authorized by me. 

Therefore, I respectfully request that you remove this negative account from my credit report immediately. Please confirm once this action has been completed. 

Thank you for your prompt attention to this matter. I look forward to receiving your confirmation that the necessary steps have been taken. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

CFPB complaint : On XX/XX/XXXX, I placed phone call to XXXX XXXX XXXX XXXX in response to a call I received from them. ( XXXX ) XXXX They informed me about their attempt to collect debt they claimed I owed LVNV Funding LLC for a total of {$1100.00}. The original creditor of this debt was XXXX XXXX XXXX. 

Upon my request, they agreed on sending me information in writing about such account. 

On XX/XX/XXXX and XX/XX/XXXX, Resurgent capital services sent me two letters with 2 attachments : a credit card statement and an account summary. These documents indicated that the account origination date was XX/XX/XXXX and account charged off on XX/XX/XXXX. 

I replied via certified mail requesting validation of debt as belonging to me by provision of the original contract signed agreement. I requested that information twice. Resurgent Services, replied to me twice not providing the contract signed agreement but the copies of the card card statement and the account summary.
Product: Student loan

Hi, I'm going through a massive hardship right now with my health, and I have been trying to settle my debt owed to Navient. I have raised {$10000.00} by selling items and cashing out my 401K and have offered this to Navient as a settlement payoff and they refuse to accept it as a payoff. It's only {$600.00} off of what I owe. 

My health is not good and the stress is causing me further health issues. I had two co-signers with this loan originally and to date one is dead and the other is XXXX, so I'm it. 

Navient remains very hostile and sets roadblocks in the way of paying off this debt. They keep claiming I have two co-signers that they will go after when I don't have any. Again, one is dead, and the other is XXXX XXXX with no assets. 

I have never been late on a payment before and was always on time. Navient is simply one of the worst predatory companies I have ever dealt with. 

Any assistance the CFPB could provide with resolving this matter will be most helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate and incorrect information to the consumer reporting agencies. I've made several attempts to resolve this issue with them. Sending out letters giving them notice of the inaccurate reporting and for them to fix the problem. Due to the incorrect information My family and I have suffered hardships and XXXX damage.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I couldnt believe itthere are inaccurate accounts listed, and I have no clue why. This has never happened before, and I even tried refreshing my browser to fix it, but it wasnt a glitch. The errors persisted, leaving me in a state of panic. Please, I desperately need you to verify the documents Ive sent to prevent this from haunting me any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported XXXX late payments on XXXX accounts with a total of XXXX payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, even though I was in XXXX Forbearance from XX/XX/XXXX, to XX/XX/XXXX. 

I have submitted multiple disputes with a copy of the letter, and they keep denying my correction approval stating I'm not submitting any information.
Product: Checking or savings account

I checked my bank account with wells fargo and seen that my account has been overdrawn unauthorize transactions has made into my account i contacted WELLS FARGO several times about this incident and that it be refunded back to me. They never responded back to the request I sent over to them Claim number XXXX XX/XX/2022 XXXX XX/XX/XXXX Claim number XXXX {$9200.00} XXXX