23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have several concerns about dropping PMI on my current mortgage. 
My first concern is about the validity of the broker price opinion obtained to evaluate the current value over home. Due to increase in value of our home, we requested that the PMI be dropped based on the current loan of value ratio. A real estate agent was assigned to evaluate our house and to determine BPO. During that process the real estate agent called us and asked how much outstanding balance we still owed on the mortgage. These seemed unusual, as I did see how he needed that information to determine the current value of our house, and when I questioned him about his need for that information, he responded that he wanted to make sure the BPO was going to be enough to drop the PMI like we wanted. After giving him that information, he made another comment that our home value should be well above the value we needed to remove the PMI and Loan Depot would be in touch with the final BPO. Several weeks later we received word that our request to drop PMI was denied as the low to value ratio based on the BPO was not sufficient. These seemed suspicious given my previous conversation with the real estate agent about the BPO, and that the BPO given put our loan to value ratio at 80.2 % just shy of the value needed to drop PMI. Especially, when the value of our house per XXXX and XXXX are comparable and significantly higher than our BPO ( I understand XXXX and XXXX may not be as accurate as an appraisal or BPO ). Although our main concern is why the real estate agent needed to know our remaining loan balance to determine the BPO, there were other concerns about how the BPO was determined. On the day of the evaluation the real estate agent sent his wife and daughter to take pictures and he himself was unable to view the house. The report of the house left out pictures of one of the bedrooms and listed the house is a XXXXbedroom home when we have XXXX bedrooms. Additionally, were told by the real estate agents wife that her husband would call to discuss any additional work we had done to the home, but he did not call to gather this information and we had completed significant landscaping and added a large stone patio after purchasing the home ( totaling about {$30000.00} worth of improvements ). When we bought all this to the attention on our loan servicing company ( LoanDepot ), we were told that how the BPO was completed, and the real estate agents request to know our remaining loan balance was standard practice. 
My second concern is about obtaining additional information from Loan Depot ( my loan servicer ) regarding dropping PMI. I have been seeking additional information about my mortgage contract and under what circumstances PMI can be dropped. Loan Depot provided some vague information from the loan investor XXXX XXXX but has stopped responding to emails/ questions seeking clarification. How do I get clarification on the circumstances that would allow me to drop PMI, so I can decide the best way to proceed?
Product: Credit card or prepaid card

Capital One has made false statements regarding this claim. They have provided conflicting and misleading information. 

The purchase concerning XXXX XXXX XXXXXXXX They advised me they never paid the merchant for the charge. Now they are stating they did pay the merchant for the charge. 

The merchant XXXX is requesting I pay them $ {$3100.00} as well. 

Capital One has spoken to me about this matter several times and the calls need to be pulled I was advised the chargeback was from me spending the funds on transactions. Now in this statement capital is claiming it's a chargeback from the account with the XXXX charge. 

Capital one needs to remove this debt from my account due to the information that was provided by several of the representatives. Sending a statement that they corrected internally is not the fix to this. They record all calls and I'm demanding those call transcripts are provided and should reflect the very statement they send in response to my dispute.
Product: Vehicle loan or lease

We took delivery of our new vehicle in the dark and in a thunderstorm, late in the evening after spending hours at the XXXX XXXX XXXX XXXX on the date of purchase. When we first saw our vehicle in the daylight the next morning, we made several startling discoveries including a damaged front bumper, a large dead beetle wedged into the firewall and a torn window sticker stuffed into the glovebox with all of the federal disclosures and EPA disclosures missing. We immediately requested a reprint of the original window sticker along with all federal and EPA disclosures. When we finally received those disclosures almost two months later on XX/XX/2017, we also discovered proof of {$2600.00} in undisclosed charges tacked onto the price of our vehicle for add-ons that were never installed, including window tint. That missing window sticker that shows the MSRP inflated {$2600.00} to {$42000.00} is also attached.

Additionally, when we compared the attached Buyers Order Agreement pages printed at XXXX XXXX. on XX/XX/2017, we noticed that the rebate listed was only {$5000.00}. This is in direct contradiction to the attached E-mail message that we received from XXXX XXXX at XXXX earlier that same day, XX/XX/2017, at XXXX XXXX. promising Triple Savings {$8400.00}. This is the E-mail from XXXX XXXX that lured us into its dealership. In addition to overcharging us {$2600.00} for items that were never installed, XXXX XXXX failed to provide us {$3400.00} in promised savings that were used as inducement for purchase. XXXX XXXX owes us {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice over the last 5 years I've watched my score plummet by as much as +/- XXXX points! 
The first time was over 5 years ago, the second, just the other day! 
I asked for an explanation as to your protocol for changing these but was given NO EXPLANATION, simply a well, I don't know. 

I have NOT been late nor have I missed ONE PAYMENT in +/- 15 years! 

My score, prior to the first attack was nearly XXXX Now, after these 2 attacks and IN SPITE of no late/missed payments you have forced it down to +/- XXXX! 

Will you explain your logic to me? It makes absolutely no sense! 

You may check my history back as far as needed to see both attacks, What you will NOT see are any missed/late payments! 

Overall, I've had my score drop from +/- XXXX to +/- XXXX! Despite not having any missed/late payments in more than a decade! 
I've approached both XXXX AND Experian and have gotten nothing but " ... Can't explain it XXXX XXXX. 
Do these credit reporting agencies answer to anyone? How are they able to get away with actions such as this?
Product: Debt collection

XXXX XXXX XXXX is a collections attorney used by my Homeowner 's Association. XX/XX/XXXX I received a summons to court for non payment of HOA fees. My savings account had a garnishment placed illegally due to the funds in the account being from my military XXXX benefits. The garnishment on my savings account is causing me to miss important payments, dropping my credit score, causing a financial burden and emotional distress. The attorney has been in contact with my ex husband to resolve the debt. When he did not follow through with the payment arrangement, a garnishment was placed only on my accounts due to him being active duty. As a veteran, I receive VA XXXX payments. The money that is in the account being held for garnishment is a portion of this payment. This has been communicated to the attorney. She requested that I provide documentation of this and I did so on XX/XX/XXXX. She has since stopped communication with me. My ex husband has since paid the full amount that was requested per the summons in the amount of {$2300.00} which included legal fees. She emailed an acknowledgment of payment and stated that she was moving forward with removing that garnishment on XXXX, XXXX. As of today, XXXX XXXX she has not removed the garnishment and has requested an additional {$1300.00} in legal fees before she releases the garnishment. None of the fees she's requesting has anything to do with the HOA and the initial reason for the garnishment. I have contacted again today XX/XX/XXXX, my HOA explaining the situation and they say that they can not help me. The longer that I dont have access to my money the further behind I am on bills. I am getting by using credit cards to feed my children. I believe that my rights under the XXXX XXXX XXXX  XXXX are being violated.
Product: Mortgage

Like most people Covid effected my income in XXXX my mortgage servicer changed while I was going through a loan modification and it carried over to the new servicer which I had to start the process all over. Which ran into XXXX I was told by my loan servicer nothing would change to my credit because I made them aware that I was going to do a refinance. Long story short BSI Financial lied in the have proof of the lie, I've been denied credit because of what the 've put on my credit report in the comments section it reads " Loan Modified ''. I've attached proof showing I've been denied credit because of the comments left on my credit report. Also this is against my consumer laws 15 U.S. Code 1681e - Compliance procedures ( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Product: Credit reporting or other personal consumer reports

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.Thank you for your time and help in this matter. 

inquiries that I am unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also there is many inaccurate previous addresses that are very old the only XXXX that should be listed isXXXX XXXX XXXX XXXX XXXX XXXX XXXX please have it removed .thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of consumer rights Improper use of report In accordance with fair credit report act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 Sec 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

The CBE Group pursued a debt of {$1000.00} associated with a XXXX XXXX account that has never been associated with me ( I have never entered into any contract with XXXX XXXX ). I received notice initially on XX/XX/2022. 

I mailed a letter via registered mail ( sent on XX/XX/2022 ) requesting that they provide me with proof that the debt belongs to me or cease attempts to collect. 

Since then, I have received a letter from XXXX XXXX trying to collect on the same debt ( received XX/XX/2022. Date of the letter specified as XX/XX/2022 ). My understanding is that it is illegal for them to sell debt that is currently disputed.
Product: Money transfer, virtual currency, or money service

My Robinhood account is locked with over XXXX XXXX of my profits in it. I was told my account would be set to withdrawal only, so basically that means I can send check to address on file or direct deposit to account on file. They locked my account due to a failed deposit from my account and they reversed a bunch of money out of my account to people I had wire transfer me funds. But anyways. All I want is my money out. Send a check to address on file or let me withdrawal to account on file. They've told me twice that all funds would be released ( including all profits, when specifically asked ) They say its under review but it's been 3 months. I could be investing those funds. This is now causing me financial damages as well as personal hardship. Please help me. I'm begging you. I can't deal with these generic responses anymore!! Robinhood is not out for the poor. But to Rob anyone they can!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 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 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 XXXXXXXX XXXX 


EXPERIAN 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 XXXXXXXX XXXX XXXX XXXX has violated my rights . 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/2025 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 generallf, after any reinvestigation under paragraph ( 1 ) 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

Asked me my personal information birth date ... But before told me the wrong birth date asked me to confirm. I explained i was not comfortable giving my personal information over the phone and told them that was not the correct information they continued to ask me how i knew and i refused to give any more of my information over the phone they needed to send me a written letter. Amcol i  believe was the name who also threatened me with a letter to place a judgemwnt on me for XXXX which i did pay.
Product: Credit card

Chase place the amount of for {$3500.00} back to my account and said it was my responsibility when it is not they advised phone verification was done and this is because we were hacked and sent text messages we thought from chase and believed to be the cammers or fraudsters and was completed on XX/XX/. We confirmed that an over-the-phone verification was completed by text message to your phone number ending in XXXX. You are welcome to provide additional documentation for reconsideration of your fraud claim. XXXX
Product: Debt collection

They are reporting negatively on my credit report. I have never signed any contract with them. They are saying they bought my debt. I have never given consent for anybody to buy my information.
Product: Student loan

Hello, I had student loans through XXXX in the past. Since then, my student loans have been consolidated. To my understanding, there is currently a lawsuit against them and I wanted to inquire if my student loans with them are effected. 

Thank you.
Product: Credit card or prepaid card

Dear CFPB, I have two linked accounts with Bank of America. One is checking and one is credit card. On my credit card, I had a negative balance of - {$2900.00}. On XX/XX/2019 I transferred this negative balance to my checking account. 
However, BOA charged me {$140.00} for this transaction, as if I was taking cash on the credit card. 
I am requesting for your help.
Product: Debt collection

I wrongly received a bill from XXXX when I joined my family members Friends and Family plan. We were told once I paid my current bill things would be caught up and me being put on the plan could move forward. That's what we did. The next month I was sent a bill from XXXX. We contacted XXXX things were straightened out and resolved. I do not owe XXXX anything. I have now received calls from a company called CBE group the last 3 Sundays. I had received a letter from them and wrote back to them twice now telling them the situation has been resolved and for them to leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched how to remove the fraudulent items in my report and found that I need to visitFEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section605b Credit Reporting Agencies are required to remove/block any items listed on an idtheft report. Please find the ATTACHED documents to assist in blocking the erroneousinformation which is being posted to my report. Here is the list of items that do not belongto me or were opened without my permission. XXXX XXXX ; XXXX XXXX ; XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX  XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Owed : {$470.00} ; XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX  ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Mortgage

I'm very concerned about the pattern of conduct of your company. When I first was behind I came to your company for assistance and was struggling to pay on time. They were helpful initially then when I became a payment behind it was different Multiple calls and text messages daily. When I answered the calls the was no one there then id call in then id get a person who didn't do there job. THE FACTS : 1. I have had this loan for more than TWELVE CONSECUTIVE PAYMENTS THAT WERE ON TIME 2. I contacted your company in XXXX when I was 14 days late in need of assistance and I had the ability to pay then but had medical issues that permitted me from paying at the time and wasn't working. 3. your agency dropped the ball the VERY FIRST TIME AND DIDNT TIMELY FILE AND MISSED THE DEADLINE WHICH YOU REMEIDIED WITH AN EXTENTION the following month omg I cant believe this. 4. when I tried to get employment to pay my obligations they run a credit report since I work in finance and they see that I have a XXXX offset on my credit bureau so NOW I cant work in the industry that ive been in for over a decade and have to work in other industry that will pay less since its entry level. 5. When I was rejected one agent told me that I should file for bankruptcy chapter XXXX and I had until XX/XX/XXXX to show proof that ive been working for 30 days and the income supports viability and the reason I was rejected was that my loan was less that twelve month old which is a fabrication your company bought this loan from XXXX XXXX  who originally bought it form XXXX XXXX. Essentially sixteen consecutive payments have been paid to the lenders before a hardship occurred. 6 A ms XXXX was adamant that I could reapply but that option is NON EXSITENT due to my circumstances and IM VERY SURE SHE WAS AWARE OF THAT since she was so disrespectful and condescending on the phone. Your letter said the ninth it needs to be provided by the ninth. My Circumstances have changed IM WORKING AND I CAN MAKE ENOUGH INCOME TO PAY MY MORTGAGE AND IM GOING TO BE AWARDED XXXX shortly. YOU HAVENT CALLED ME IN A WEEK AND ITS ONLY AFTER I TOLD HER THAT YOU CALLED SO MANY TIMES A DAY SHE sarcastically said we can remove you from the call list even when I asked prior. I will submit this to the BBB FTC CFPB ETC CAUSE YOUR PROCESS IS PREADETORY I believe your company intentionally slow balled this playing the waiting game in the guise of help but called savagely and misinformed to blatantly corrupt the process cause I'm sorta a smart guy but you sophisticated this process in a way to only a legal expert would really know what you're actually saying as a company.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Received letter via postal mail for application for a Citi strata Premier Mastercard, Letter states application was submitted on XX/XX/XXXX. A application id : XXXX. 

I did not apply for this credit card. XXXX Contacted Citi, spoke with XXXX ( accounts ) was told it would be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, someone opened with PenFed Credit Union an account in my name and take out a loan, I reported the fraud, they investigated, and come to conclusion that the loan name and soc sec is mine therefore is not a fraud, and I am responsible for the loan payment, the bank never provided me with a copy of id used to open the loan or a copy of the signature page. Pen Fed Credit Union never tried to cross examine my address and picture id with the one on file. During the investigation period the thief made a payment which never raised concerns whom he is where the money comes from under middle of the investigation period. I seen it on my credit report, when I brought it to Pen Fed Credit Union Fraud Departments attention, I was told that they aware is not me paying and they still investigating my case. The Pen Fed Credit Union XXXX XXXX XXXX Fraud Investigations Manager closed my fraud report without resolving the case. and I still have the fraudulent at this point delinquent loan on my name. With a thief using that account. I need help to resolve this issue of the identity theft and fraud.