23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I've contacted Bank of America ( BOA ) several times over the last 5 years about removing my PMI. The last time I spoke with a representative it was in XX/XX/XXXX, at which time they said my loan to value was under 78 % in 2 months, at which time according to the Homeowners Protection Act of XX/XX/XXXX, PMI would automatically be removed. I've tried contacting BOA several times thereafter ( and again today, XX/XX/XXXX ) but have always been transferred and representatives say a PMI expert will call me, which they never do. My account has always been in good standing ; not one late payment, ever. Now, several years after the loan to value has been well under 78 %, I'm still being charged $ XXXX/month. BOA has been unlawfully charging this PMI for years, and is doing their best to avoid cancelling this. 

I see that when my refinance was drafted in XX/XX/XXXX, BOA listed my home purchase price at {$150000.00}, which is incorrect and simply a fabrication. I've owned this home since XX/XX/XXXX, at which time it was purchased for {$160000.00}. An appraisal was performed and the value was determined to be {$180000.00} at the time of the refinance in XX/XX/XXXX, which means PMI was not ever required. 

I sincerely appreciate any help you may be able to provide. 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple a complaint ( s ) to Experian to investigate and remove improper reporting of a public record on my credit file as of XXXX, XXXX. Experian is reporting the following public record was investigated and returned as verified by a third-party vendor, XXXX XXXX, in which they use to verify all public records. 

Source : Experian Date Submitted : XX/XX/XXXX Report Number : XXXX Court Name : XXXX XXXX XXXX IL XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX Type of Record : Bankruptcy Reference Number : XXXX. 

Experian states that an investigation of public record was completed using a third-party vendor, XXXX XXXX, as the source of verification and that the public record is accurate. 

On XX/XX/XXXX, I was informed by mail and via the CFPB complaint system that XXXX XXXX is not reporting a bankruptcy or any public record on my file. 
I've also contacted the courthouse asking do they report bankruptcies to the credit bureaus and was told, They do not report any bankruptcies to anyone. '' So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They couldn't have done a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 

According to Experian Credit monitoring system my info has shown up on the dark web and my SSN and different variations of my address and the spelling of my name has been found compromised over 30 times since XXXX of XXXX. I asked the credit bureau for a fair investigation and prompt removal of the inaccurate reporting, in which I did not receive.
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX Account # XXXX Account name XXXX XXXX  Account # XXXX Account name XXXX Account # XXXX Account name XXXX Account # XXXX I looked at my XXXX credit report and noticed somethings are incorrect and 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 the report relates according to 15 USC 1681EB and according to 15 USC 1681 I ( 5 ) they are supposed to do this 5 treatment of inaccurate or unverifiable information ( A ) In generallf after any investigation under paragraph one ( 1 ) of any information disputed by a consumer any item of information is found to be inaccurate or incomplete or can not be verified the consumer agency shall ( I ) promptly delete that item of information from the file. 
And according to XXXX5 USC 1681 S -2 They are not supposed to 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: Credit card or prepaid card

I had applied for unemployment for the XXXX XXXX relief but never received a card for the XXXX XXXX relief but I received paperwork that I used it and even a XXXX for taxes I burly found a way to find out if I could receive my money that was issued to me by the government so here I am trying to see if it's possible to get what was granted to me since someone else used it like if it was there money XX/XX/2020 is when they received the money and I don't know how long they continue to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding potential fraud by two credit reporting agencies, TransUnion and XXXX. 

In applying for a new mortgage it came to my attention that credit reporting agencies are providing one FICO score to me as the consumer and a different, lower score, to the Mortgage Lender. 

TransUnion provided a FICO score of XXXX to my XXXX XXXX  XXXX XXXX XXXX account on XX/XX/2020, and a FICO score of XXXX to XXXX XXXX mortgage on the same day. 

XXXX  provided a FICO score of XXXX to my XXXX XXXX account on XX/XX/2020, yet it provided a FICO score of XXXX to a different part of XXXX XXXX ( processing my mortgage application ) on XX/XX/2020. 

It appears that these two credit reporting agency has one FICO score that is available to the consumer and a lower FICO score to creditors.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 
Please delete the following accounts XXXX XXXX XXXX XXXX XXXX. Bal {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX. Bal {$5800.00} XXXX XXXXXXXX XXXX XXXX  XXXX {$8400.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$530.00}
Product: Credit card

I was charged {$110.00}, and it wasn't by me. I've raised this issue with Capital One three times, but they have not resolved it. The company that charged me appears to be non-existent ; I physically drove to the location and found an empty storefront. I provided Capital One with the company 's phone number. They called it, but the number is dead. Despite this, they won't assist me in disputing the charge. Their service has been absolutely terrible. I brought this to their attention before the charge was finalized, when it was still pending. I have requested information from them about the investigation, but they haven't provided any.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint about Trans Union and XXXX Credit Bureaus. I submitted a dispute letter to them containing blatant inaccuracies dated XX/XX/2021 and they are not complying with their own policies nor are they complying with the FCRA in a timely manner.
Product: Money transfer, virtual currency, or money service

Money was sent to the wrong person and unable to be refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 am writing to request the immediate correction of inaccurate information on my credit report, specifically pertaining to late payments on my account. I have recently spoken with a representative from the bank, and they have acknowledged the error and agreed to update their records upon receipt of a goodwill letter which was sent last XX/XX/23. 
The bank indicated that once a XXXX letter is submitted, they will take the necessary steps to update their records and correct the inaccuracies related to late payments on my account. The representative assured me that they are committed to rectifying this error promptly. 
I kindly request that you cooperate with the bank in this matter and promptly update the information on my credit report to reflect the corrected status of my account. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDITOR WAS CONTACTED AND MADE AWARE THAT THE REPORTING OF THE ACCOUNT WAS INACCURATE AND IS CAUSING DAMAGES TO MY CREDIT REPORT. THE LATE REMARKS XXXX   2020, XXXX 2020, XX/XX/2020 2020
Product: Debt collection

Midland Credit Management opened XX/XX/XXXX {$720.00} Midland Credit Management opened XX/XX/XXXX {$960.00} Midland Credit Management opened XX/XX/XXXX {$1100.00} Midland Credit Management opened XX/XX/XXXX {$1300.00} Midland Credit Management opened XX/XX/XXXX {$1400.00} Midland Credit Management opened XX/XX/XXXX {$4500.00} I have not supplied proof under the doctrine of Estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to XXXX8 USC 8, L owe no debt, This company is violating my consumers right to privacy pursuant to 15 USC 1681-B2 Company has no permission to report my information per 15 USC 16814 . False payments received has also been falsely reported by company a {$1.00} decrease every week, which a violation of 15 USC I666b
Product: Student loan

Loans originated with XXXX for Private Student Loans for University of Colorado XXXX, CO beginning XX/XX/XXXX. There were a total of XXXX loans which were bundled together under the same account. The loans were sold to Discover and as of XX/XX/XXXX I began having repayment issues : i.e. lost payments, sending certified checks that were unaccounted for, no explanation as to how my money was being misguided, late fees, harassing phone calls to settle late fees, etc. I finally received a statement, XX/XX/XXXX which stuck out due to the contrasting difference of the letter head. This allowed for further investigation after noticing only XXXX of the XXXX loans were listed. Then I compared that statement with the previous statement and discovered that there was a completely different customer ID for these XXXX loans. The original customer ID contains Account XXXX with loans XXXX, XXXX, and XXXX. After contacting Discover Student Loans about this, multiple times, I was told that they had no idea where this mysterious account came from and they had no record of any such customer ID number and I need to talk to XXXX. However, the letter head and contact info is from Discover Student Loans with THEIR address. I am still in the dark about this additional customer ID number with was created with the incorrect number of loans, then how it mysteriously disappeared, yet my money was applied to that customer ID back XX/XX/XXXX. The beginning of a long drawn out domino effect which sent all of my original and true loans into default status. I sent the correct amount for the loans following that, yet I still consistently recieved past due notices of random amounts. When I questioned them about this they said it was n't applied right and I still owed them. I foolishly paid more money, yet have had no resolution. I stopped paying DSL as of XX/XX/XXXX as I do not know where my money is going. They will not sent me an itemized list of payments and how/where they were applied when received by their payment processing center. I was told that I need to get a remittance report from my bank showing I made payments. I even sent them copies of my bank statement as well as images of the checks, with THEIR stamp on the back, and they would not consider that sufficient proof that I was making payments. I not have my account going to collections because I refuse to pay until they tell me what happened with this mysterious account, how it was created, and why no one can give me information about this account. I need help with this situation as I have contacted everyone possible to resolve this with DSL. However, all I am given is a supervisor who will not provide a name of a superior officer of the student loan department. I was told that they do n't really have specific email addresses or contact numbers. Now I understand that the lawsuit is probably making it impossible to get the truth out of this financial institution. This needs to be stopped so they do n't ruin other peoples lives and financial history over their own selfishness to cheat their consumers out of their money.
Product: Credit reporting or other personal consumer reports

I write to dispute false information that has appeared on my credit report. I am doing so under the provisions of the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ) and FCRA Section 605B ( 15 U.S.C. 1681c-2 ). The inaccurate reporting concerns accounts : XXXX XXXX XXXX. I request that information based on identity theft or inaccuracies be blocked from my credit report. I have attached my Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX. Knowingly reporting inaccurate information or failing to correct errors violates FCRA Section 623 ( 15 U.S.C. 1681s-2 ) and could be liable for damages. I expect the removal or blocking of the inaccurate information required by the FCRA immediately.
Product: Money transfer, virtual currency, or money service

I enrolled four accounts in a debt settlement program with Beyond Finance in XXXX, XXXX. In XXXX, I removed two accounts from the program. I paid upwards of {$500.00} per month into an escrow account, for a current total of {$3900.00}. 

As of XX/XX/XXXX, they had not settled either of the remaining accounts. On XX/XX/XXXX, I asked to close my account and have the money in my escrow account returned immediately. The customer service representative I spoke with said that the full amount in my escrow account would be returned to my bank account within 7-10 business days. Today ( XX/XX/XXXX ) marks 10 business days, and the amount has not been deposited in my account. I spoke to two separate customer service representatives on the phone, one of whom said that my account was still pending and the second of  whom said that I should receive my money no later than Monday ( XX/XX/XXXX ).
Product: Checking or savings account

Less than XXXX hours after CFPB mentioned suing capital one, capital one decided to hold all direct deposits going into checking and savings accounts leaving millions with nothing!! No updates, no apologies, nothing! Its been XXXX hours and no one has seen paychecks! This is insane, especially since capital one is still allowing automatic payments to be processed resulting in a negative bank account. Theres also no ETA
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX  survivor, and I submitted a valid request under the Debt Bondage Repair Act ( DBRA ) and FCRA 605C, which grants survivors the legal right to block adverse information resulting from XXXX  from all consumer reporting agencies. 
While ChexSystems acknowledged and blocked items from my consumer report, they refused to block the following adverse information codes from my ChexSystems score report, despite them clearly being : XXXX XXXX Closure Payment History XXXX XXXX History XXXX XXXX Closure ( s ) XXXX  Unavailable Retail Item History XXXX  Insufficient XXXX  Inquiry Activity Same XXXX  These codes continue to adversely impact my ability to open a basic checking account and access essential financial services necessary for rebuilding stability. Under Section 605C, ChexSystems must block any adverse item of information resulting from a trafficking situationthis includes information used in score reports that affect account decisions. 
Their refusal to suppress these codes not only contradicts 605C, but also discriminates against survivors by selectively applying relief.
Product: Checking or savings account

I have applied to convert my Discover savings account into a joint account. I submitted my application and evidence showing that the joint account holder shares the same address as me. I have tried to reach Discover bank multiple times via phone to check on the status of the application. Every time, I get a promise that it will be done within two to three business days, but nothing gets done. This issue has caused many personal financial problems for me, and I have wasted a lot of time trying to get this done over the phone. I would appreciate this being resolved as soon as possible. 

Thank you.
Product: Payday loan, title loan, or personal loan

Apply on for load got approved for {$950.00} my payment every two weeks almost {$300.00} when I called to get more information how much I owe because I didn't get copy or good explanation how much my rate was I called spoke to someone who did not explain anything just to tell my that I will be paying {$300.00} for year my total will be {$7000.00} when I only got approved for {$950.00} my finally got copy Emailed I was really upset really high annual percentage 764.74 %
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Debt collection

The collection agency left repeated automated messages on my answering machine associated with the above number ... the message was such anyone in the household were advised of my debt to XXXX.
Product: Debt collection

Original bill was for a XXXX XXXX  account - not aware at the time of outstanding bill until XX/XX/XXXX. On XXXX outstanding bill was paid with XXXX  - Immediately notified IC System and submitted documentation. 
They continue to refuse correction - which has resolved in higher interest rate on mortgage.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see accounts that dont belong to me. I have no clue how this could have happened. I usually check my report without any problems, but today, I found these discrepancies. Refreshing my browser didnt help ; the errors were still there. Im pleading with you to carefully review the documents Ive submitted to fix this issue for good.
Product: Debt collection

XXXX XXXX - Received Letter about debt from Peroutka, Miller, Klima and Peters XX/XX/2019 - Received Letter about debt from Peroutka, Miller, Klima and Peters about second debt XX/XX/2019 -responded with request for validations of debt to both letters XX/XX/XXXX - Received letter notifying me a lawsuit, case # XXXXXXXX had been filed. 

Left numerous messages for process server and attorney to meet them to receive the summons or have it sent certified mail. Told them I was not interested in dodging summons and wanted to know what it was about. 

Made additional request verbally for validation of debt because they never sent anything. 

Served with Summons on XX/XX/2019 As of XX/XX/2019 nothing had been sent in response to my letters. It was " in the mail '' they said.
Product: Debt collection

It was reported in the credit report on XX/XX/XXXX that I still have a balance with XXXX. This was the report : Date Reported : XX/XX/XXXX Collection Agency CCS COLLECTIONS Balance Date XX/XX/XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$59.00} Amount {$59.00} Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID I already paid in the amount of {$63.00} last XX/XX/XXXX.