23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax. I was emailed a notice stating only that their investigation had been completed. They never notified me as to the result of that investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to get a fraudulent account deleted from my credit history that I did not consent to. I am not sure how or when it was used but I was like this to be resolved as soon as possible.
Product: Mortgage

Loan Care underestimated my escrow payments. Now it reassessed my escrow and I have to pay nearly {$800.00} more a month to satisfy my escrow minimum balance. The company wants me to do this in a period of 12 months. On XX/XX/XXXX I called and explained that I would like to get an extension to be able to repay within 24 months and make the burden easier on me. They explained I would have to do it in writing thru e-mail. I did so and 3 days later received an automated e-mail back stating they had received my request. I havent heard nothing else from them and now on XX/XX/XXXX im expected to pay {$2000.00} from {$1200.00} that I was paying. They never said yes or no to my request for and extension or responded back in a prompt way.
Product: Mortgage

XXXX  we've tried to cancel the PMI on our mortgage. The XXXX  time we sought to cancel it because of large increases in our home value, primarily due to market valuation changes. They delayed the process as much as possible through slow action and requiring their own appraisal agent ( versus, an agent we already had lined up ). Their delays meant we could not complete the PMI removal before we planned to start some renovations.

More recently, our PMI was scheduled to be eligible to be terminated based on the original appraisal in XXXX. Now they say we need an appraisal to prove the home has not declined in value. Frankly, the odds of any home declining in value given large market valuation increases, is quite low, and certainly not applicable to us. I don't believe this requirement is in good faith. That, nominally, someone can cancel ahead of the automatic cancellation seems to be something they do their best to make impossible or financially impractical. They are asking us to pay {$450.00} to get an appraisal, that ( assuming it *only* takes XXXX months ) would net us {$300.00} in savings. Since I have no confidence they won't throw up more barriers ( or delay things even further ), this is not a bet I'm willing to make. I don't think our circumstance is special at all. I think, rather, that Flagstar 's practices concerning PMI are calculated to maximize their PMI earnings regardless of the actual risk posed of default. That PMI is required under these circumstances, untrustworthy PMI providers who themselves control determination of when PMI is or isn't still required, is the problem.
Product: Debt collection

In XX/XX/2018 I moved out of the apartment complex, " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The address I vacated was XXXX XXXX XXXX XXXX XXXX   XXXX XXXX AZ XXXX. The unit was referred to as XXXX with the unit being the letter XXXX not the number XXXX. We gave our forwarding address to the management of XXXX XXXX   XXXX so that they could contact us if there were any problems. The management of XXXX XXXX XXXX never contacted any of the lease holders, XXXX XXXX, XXXX XXXX or myself XXXX XXXX XXXX. Months later I received a collection call from a company asking me to pay for damages. Our apartment was not damaged, and the XXXX XXXX XXXX was and is on my Renter 's Insurance through XXXX as a interested party. The complex could have filed a claim through Renter 's Insurance if there was a legitimate damage. XXXX confirmed that no claim had ever taken place. XXXX XXXX XXXX was non responsive to any attempts at communication. XXXX XXXX XXXX and their agent in debt recovery never took correct action after the debt was disputed. They never showed any record or proof of damages only that they had a bill from a company. I never agreed to nor did I ever see the alleged damage. Furthermore I never received an opportunity to pay damages before the debt was reported on credit. The debt collection company refused to pull the debt from my credit. 
XXXX XXXX  XXXX reported no forwarding address to the collection agency that was used, yet they had a forwarding address and never sent correspondence to that address or used any telecommunication or legitimate communications means to discuss the debt with any responsible party. 
My suggested resolution is to have the debt pulled from all credit reports and payment will be made with certified funds to XXXX XXXX XXXX within 30 days of receipt of credit correction.
Product: Checking or savings account

I went to XXXX XXXX XXXX on XX/XX/year> to withdraw XXXX. The XXXX  said take cash. However, the door that dispenses cash did not open and error message unable to dispense cash. So I went outside to use the atm to get cash and it stated insufficient funds. I called Direct Express only to be told that I have to wait XXXX days. 

I call XXXX XXXX XXXXXXXX and they said they are not responsible. I have bills to pay and I have never been late. 

I called Direct Express back and spoke to XXXX XXXX XXXXXXXX. Was told that I can possibly get a provisional refund. 

Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did get a claim number. Its in this email at the bottom. I did my claim by email. 

Any questions please call me XXXX XXXX Sent from XXXX XXXX for XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order Against Capital One , Inc. , XXXX, XXXX, and XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against Capital One for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in Capital One reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, Capital One continued to furnish information related to my account to XXXX, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Capital One unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX XXXX has breached its own terms and conditions by sharing my information with non-affiliates, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, Capital One failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that Capital One immediately delete the adverse and update to paid as agreed and cease all further reporting to XXXX, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of Capital One, XXXX, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived at XXXX XXXX XXXX  XXXX  XXXX, CA XXXX XXXX XXXX XXXX United States. An ex fianc added me to a credit card that I have never used without my consent. I would like this address removed from my history.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquires showing on my account. The hard inquires are a result of an identity theft and it must be removed. as per 15USC 1681 C2. 

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, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :
Product: Credit reporting or other personal consumer reports

Just like other negative records, XXXX XXXXXXXX bankruptcy should be scheduled to be automatically removed, or purged, from our credit reports after a specific time-period. 
Furthermore, for a XXXX XXXX bankruptcy case, the time frame is XXXX years after you file for bankruptcy. That means you can expect the record to be removed from your credit reports at the seven-year mark without any effort on your part. My bankruptcy was actually dismissed on XX/XX/2017, not XX/XX/2017. 
Ive already challenged this with XXXX and, thankfully they recently removed this item. 
Please delete this item ASAP : XXXX XXXXXXXX Bankruptcy Dismissed Dismissed XX/XX/2017 XX/XX/2017 XXXX XXXX XX/XX/2017 XX/XX/2017 Thank you in advance for your assistance with this matter.
Product: Checking or savings account

I opened a savings account online, and after completing the account setup, I mailed a check on XXXX XXXX, XXXX, along with a letter of instruction to deposit the funds into the newly opened account. The check was written to me by XXXX XXXX XXXX XXXX After the check was deposited, I contacted the bank and was informed that the check would be held until XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, my account showed an available balance of ** $ XXXX, which reflected the full amount of the check. However, when I attempted to transfer funds from my account, I received the following message : * '' You can't make transfers at this time. Your account functionality is limited. Please call XXXX. " * I called the number provided and spoke with a customer service agent. After asking me a few questions, the agent placed me on hold. When they returned, the agent informed me that my account had been closed. When I asked when the account was closed, the agent stated that it was closed that very day. 

I then inquired about the funds remaining in the account. The agent told me that a check would be mailed to XXXX XXXX XXXX XXXX I expressed my confusion, stating that I had been the one who mailed the check, and it did not make sense to return it to XXXX  XXXX XXXX. The agent could not provide any further explanation, but mentioned that the account was closed for *business reasons* and offered no additional details. 

This situation has caused significant hardship for me. The funds in that account represented my entire savings, and I am now unable to pay my rent and other bills. I feel as though I am being treated unfairly and without proper explanation, and this has caused considerable distress. 

I am seeking clarification and resolution of this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter concerning the reporting of a charge-off on my consumer report, which I believe violates federal regulations and established case law. Specifically, I am concerned that the XXXX XXXX XXXX XXXX XXXX ) considers a charge-off as income, and as such, it should not be reported to any consumer reporting agency. As per the Fair Credit Reporting Act ( FCRA ), it is essential that consumer reporting agencies furnish accurate and fair information regarding an individual 's creditworthiness. However, the reporting of a charge-off, which is treated as income by the XXXX  contradicts this requirement. The XXXX  has explicitly stated in various publications and guidelines that a charge-off is considered taxable income. For instance, in Publication XXXX ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ), the XXXX  outlines that cancelled debts, including those resulting in a charge-off, are generally considered taxable income unless specific exceptions apply. This confirms that a charge-off is recognized as income by the XXXX  Furthermore, case law supports the notion that a charge-off should not be reported to consumer reporting agencies due to its classification as income. A notable case in this regard is the United States XXXX XXXX case of XXXX XXXX XXXX XXXX, XXXX T.C. XXXX ( 1987 ). In this case, the court ruled that a cancelled debt, which resulted in a charge-off, was indeed taxable income and should be treated as such for tax purposes. This ruling establishes a precedent that aligns with the XXXX  ' classification of charge-offs as income. Given the XXXX XXXX  stance and the precedent set by relevant case law, it is evident that reporting a charge-off on a consumer report is erroneous and XXXX potentially mislead lenders and other entities assessing an individual 's creditworthiness. Therefore, I kindly demand that you take the necessary steps to rectify this issue and ensure that any reporting of a charge-off on my consumer report is promptly removed. I trust that you will address this matter in a timely and appropriate manner. Should you require any further information or documentation from me, please do not hesitate to contact me via the contact information listed on the account. Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX I have opened an account responding to PNC bank {$300.00} checking account promotion. The promotion stipulated a {$5000.00} or more deposit of new funds within 60 days of account opening in form of direct deposit. As XXXX XXXX I informed the account opening person that the amount of money will be deposited in several transactions including two coming from IRS and IL state govt as well as overseas wire transfers. I was told that it will be fine. Subsequently I left on overseas work assignment which lasted from XX/XX/XXXX to XX/XX/XXXX. 
In my absence I received two notifications from the IRS dated XX/XX/XXXX stating that two attempts by the IRS to deposit the {$4200.00} refund were rejected by the bank. I also received a notice from the IL Dept of Revenue dated XX/XX/XXXX that the {$990.00} deposit was rejected as well. I confirmed the account and routing number with both IRS and IL Dept of Revenue and I was also informed by the XXXX, IL branch mgr XXXX XXXX that the account info provided was a correct one. 
Subsequently as sign of good will I attempted to deposit the check for {$4200.00} drafted on both my wife and me to my account at PNC Bank but the check was refused. First the branch employees at XXXX, IL informed me that it is a federal regulation requiring the bank to have both check beneficiaries present at the time of deposit and the deposit will be performed only upon the successful conclusion of the ID check. The check was already signed by my wife. When I responded that I know provision of both Patriot 1 and 2 Act ( as journalist I covered this legislative product quite extensively ) and the provisions do not require both depositors to be present with their ID, the branch personnel changed their story that now it is " bank 's policy '' When I asked to see that policy I was refused stating that the policy is internal and proprietary and they are not required to show it to me. 
Subsequently I contacted the PNC Bank corporate and the company still didn't explain why both of my tax returns were rejected. As far as my paper check is concerned I was told that it is again " the internal policy, '' and the bank was within its right to refuse it. 
It is my belief that the bank purposefully rejected both electronic deposits totaling {$5000.00} so the transaction threshold qualifying me for the bonus would not be met therefore the bank wouldn't have to pay the account opening bonus.
Product: Credit reporting or other personal consumer reports

THIS IS MY FIRST TIME FILING A CLAIM WITH TRANSUNION. I AM A VICTIM OF IDENTITY THEFT AND HAVE ATTACHED THE SUPPORTING DOCUMENTS TO BE FORWARDED TO TRANSUNION. FOR DETAILS PLEASE LOOK AT MY LETTERS.
Product: Credit reporting or other personal consumer reports

There are several inquiries on my credit report on or around XX/XX/year>, I did not authorize them and they do not have any legal purpose authorized or acknowledged by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that I have 2 collections. The status for both is open and past due. A collection account can't be open and therefore it should not be reporting open. The fact that it is in collections means it has been charged off. A collection is by default late and past due. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Debt collector Acct # XXXX Alleged amount balance - {$360.00} Alleged Original Creditor- XXXX XXXX XXXX XXXX Alleged Original Creditor Acct # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Debt collector Acct # XXXX Alleged amount balance - {$1400.00} Alleged Original Creditor- XXXXt XXXX XXXX 
Alleged Original Creditor Acct # - XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After Hurricane Irma, I was not able to make payments on my mortgage loan. Ocwen Loans said that it's ok that they would work with customers that has been devastated by the Hurricane, and XXXX XXXX XXXX region where I reside was hit hard. When I called the XXXX XXXX of Ocwen loan servicing, the forbearance plan which was put in affect in the amount of XXXX plus first payment stated it was due on XX/XX/2018. I spoke with a representative and she stated that the payment was due XX/XX/XXXX or XX/XX/2018. I advised her / the XXXX XXXX when I called in and formed me to make a payment on XX/XX/XXXX for the forbearance amount and that's my purpose of calling in that day. The representative did indicate that they have had several clients to call in and state that the XXXX XXXX  was providing this information. She also stated that she was fully aware of the situation and even though I missed paying that XX/XX/XXXX or XX/XX/XXXX that I would need to pay the {$910.00} then she stated know your mortgage went up {$6.00} and change so you need to ask me pay {$910.00} + at this time. I asked the representative several times that I need to pay the {$1400.00} Plus which was the forbearance amount and she reassured me that the only thing that I needed to pay was {$910.00} and change nothing more. The agent had gone on and stated that she will be reaching out to me within 30 days because, she was going to reinstate my forbearance agreement due to the negligence on the XXXX XXXX / OCWEN at that time. I again asked should I go ahead and pay her the XXXX and change the forbearance agreement and she stated NO that the {$910.00} and change was quite sufficient. The agent called me in about 27 to 28 days just to provide me with an update on the reinstatement and she stated that she was still working on getting that done. Two weeks later the agent called me back and apologize for the inconvenience and told me that it was nothing that she could do she understood that it was not my fault it was based on the XXXX XXXX in addition to that she apologized for giving me the missing information stating that she would get the plan reinstated. I've made several calls and advised them to listen to the recordings, even though they listened to the recordings they still fail to take ownership to their negligence and correct the situation. I've tried to get a another repayment plan which they have for. {$1900.00} and they still failed to send me an agreement to sign to confirm anything. It's just been negligence after negligence and now they're asking for me to pay {$13000.00} and XXXX cent by XX/XX/XXXX which is impossible. Or a minimum of {$12000.00} which is still impossible.
Product: Mortgage

I have been attempting to close on a mortgage from HSBC for over 90 days. The bank keeps delaying the closing and charging me fees, for which full disclosures were not made, in an apparent attempt to improve the profitability of the mortgage due to HSBC delays. The loan number is XXXX.