23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX has violated my rights. 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 an 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. Account needs to be removed from report.
Product: Mortgage

Subject : Request for Immediate Action on PMI Removal and Escrow Recalculation from my mortgage. 

I am writing to express my concern and dissatisfaction with the recent experiences I have had with my lender NewRez Llc. I believe that the practices currently in place are not only causing undue financial strain but also seem to be contrary to the principles of fair lending and they are becoming predatory lending because it affect my capacity to pay the mortgage. 

On XX/XX/2023, I requested the removal of the Private Mortgage Insurance ( PMI ) from my mortgage. However, I was informed that I would need to pay for a new appraisal. The cost of this appraisal negates the very purpose of my request, which is to reduce my expenses. 

In light of this, I made a second request on XX/XX/2023, for the removal of the PMI. In this communication, I also asked for specific references to the law, rule, or clauses in my loan contract that necessitate a new appraisal for PMI removal. I am yet to receive a satisfactory response to this query. 

Prior to my request for PMI removal, I received several emails from NewRez indicating that the market price of my house is {$430000.00} and above which they want to use as market offering me a re financing since they knows that I have positive equity in my loan. The price of {$430000.00} would make my Loan-to-Value ratio ( LTV ) significantly less than the 80 % threshold required for PMI removal. It's worth noting that my LTV was less than 80 % even at the time of loan approval, with a loan amount of {$310000.00} against an appraised value of {$390000.00}. 

My property has not suffered any damage, as can be verified through public records. On the contrary, I have made several improvements to my house, which should ideally increase its value. 

Another issue of concern is the handling of my escrow account. Despite a reduction in my house insurance premium fees in XX/XX/2023, there was no corresponding decrease in my escrow payments. I was informed that NewRez recalculates the escrow only once a year in XXXX. This predatory lending practice results in me paying more towards escrow than necessary, creating unnecessary problems in my capacity to pay the loan. 

These issues collectively create an environment that makes it challenging for customers to manage their mortgages. It gives an impression of predatory lending practice.
Product: Checking or savings account

On XXXX XX/XX/2020, I submitted a claim ( # XXXX ) with USAA Federal Savings Bank because there had been fraudulent activity on my account. I submitted the claim because money was transferred from my account via XXXX for a total of {$990.00}. The person who stolen the funds, I have no relation nor have I made any purchase of any kind. The person is named XXXX XXXX, phone number XXXX. To access XXXX for any transfer, I process the system through the USAA mobile app and I receive an notification to my personal email immediately following any transaction. Well, for this transaction I did not receive any notification or did not make the transaction. The individual is not listed in my recipient either. The individual hacked into my USAA and XXXX themselves {$990.00}. The individual had made this transaction on XX/XX/2020, again, I did not receive the notification to my personal email and I did not noticed until XX/XX/XXXX, XXXXOnce I became aware I notified USAA immediately letting them know that was not me, following all the procedures to update/change security information and to submit the claim. The representative told me the documents will be mailed to me at my mailing address when the investigation was complete. I have been quarantined since XX/XX/2020 and was teleworking due to XXXX. On XX/XX/XXXX, I just so happen to look into MyDocuments on the USAA app, and there was a letter that I was suppose to receive by mail stating there were no findings. This letter also informed me to call the bank if I had any further questions. I called the number a total of 5-6 times, each time a new representative submitting in a " request '' for someone from the fraud department to contact me as well sending documents on what was investigated. I even called XXXX with an USAA representative on the phone to see if they can see it on their end. I was told by XXXX that they couldn't see the transaction and it was done through my banking app, which is USAA, so they are held accountable. It is now XX/XX/2020, and I have yet to receive a phone call or those documents. I have been a member for 10 years ( since I joined the XXXX ) and never have I been treated and ignored in this manner.
Product: Checking or savings account

On XX/XX/23 at XXXX I made a purchase at XXXX XXXX using my debit card, and the employee receiving payment tapped it on the payment device. On XX/XX/23, XXXX, XXXX seconds later, the fraud transaction for {$350.00} was charged to my checking account. The fraud is listed as XXXX XXXX XXXX XXXX XXXX. I immediately filed a claim with Chase reporting fraud. I authorized my debit card to be canceled. My claim was denied on XX/XX/23. Per Chase, I made the transaction since I'm in the same geographical area and so were the XXXX transactions and they can not prove I did not make the {$350.00} purchase. I did some more investigating on my own. I was able to look up the square receipt based off my closed visa debit card number. I found the address for the {$350.00} fraud claim, located XXXX miles in XXXX from XXXXXXXX XXXX located in XXXX. It would be impossible for me to drive XXXX mi within XXXX seconds and use my card in person as stated on the transaction. I have filed a police report with my city department for petty theft as well. I have attached a copy of my XXXXXXXX XXXX purchase, the fraudulent Chase transaction, the XXXX receipt with that location, a screen shot of the XXXX address I made my purchase and directions to both locations showing distance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES. 

THEY REPORTED THE MORTGAGE BALANCE TO BE INCORRECT AND THEY REPORTING THE ACTUAL PAYMENT AMOUNT AND FAILING TO REPORT THE 81 MONTH PAYMENT HISTORY AS PER THE FCRA. 

THE ATTACHED IS PROOF THEY ARE IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES.
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 Subject XXXX Formal Dispute of Inaccurate Payment History and Delinquent Information Dear XXXX XXXX XXXX Department XXXX I am writing to formally dispute inaccurate and misleading information reported on my XXXX  XXXX account, which appears on my credit report. The disputed information pertains toAccount Number : XXXX ], and includes incorrect payment history and delinquency records. 

Upon reviewing my credit report from [ Credit Bureau ( s ) XXXX, Experian, and/or XXXX ], I noticed the following errors : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Of negative payment history. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to report accurate and complete information. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and XXXX XXXX is obligated to conduct a reasonable investigation. If the information is found to be inaccurate or unverifiable, it must be corrected or removed. To support my dispute, I have attached the following : A copy of your credit report with the disputed items highlighted. I request that XXXX XXXX : 1. Conduct a thorough investigation into this matter. 
XXXX. Provide me with documentation verifying the accuracy of the reported information. 
XXXX. Correct or remove the inaccurate information from my credit report if it can not be verified. Failure to comply with the FCRAs accuracy requirements XXXX result in legal consequences, including liability for damages under XXXX XXXX. XXXX and XXXX. I request a written response within 30 days of receipt of this letter, as required by law. 
Please address this matter promptly and confirm the resolution in writing. If you need additional information, you XXXX contact me at the phone number or email address provided above. 

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

I am writing to formally request that XXXX, Experian, XXXX, ( collectively, the ( Consumer Reporting Agencies '' ) cease sharing my personal information with any third parties, including furnishers of information to credit agencies, without my express written consent. 


Statutory Basis : My request is based on the following provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable regulations : 15 U.S.C. 1681 ( a ) : This section emphasizes the need for credit reporting agencies to handle consumer information with fairness, impartiality, and respect for privacy. 
15 U.S.C. 16801 : This section declares the Congressional policy that financial institutions must respect customer privacy and protect the confidentiality of nonpublic personal information.

15 U.S.C. 1681 ( b ) and 1684 ( a ) ( 2 ) : These sections limit the circumstances under which credit reports can be furnished, requiring either written consumer consent or specific legal authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits credit reports from containing certain adverse information, including outdated criminal records.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits furnishers from reporting inaccurate information to credit reporting agencies.

15 U.S.C. 1681 ( e ) : This section requires credit reporting agencies to maintain reasonable procedures to prevent violations of the FCRA.

12 C.F.R. 1016.7 : This regulation allows consumers to opt out of receiving credit reports at any time.

Specific Concerns : Sharing of Information Without Consent : I have not provided any written or verbal consent for the Credit Reporting Agencies to share my personal information with any third party, including furnishers of information to credit agencies.

Reporting of Adverse Item : The report contains an adverse item that is being reported again without my permission. This violates 15 U.S.C. 1681c ( a ) ( 5 ) if the item is outdated or inaccurate.

Lack of Nondisclosure Option : I was not informed of my right to opt out of having my information shared with furnishers, as required by 15 U.S.C. 16802 ( b ) ( c ).

Requested Actions : Therefore, I request that the Credit Reporting Agencies take the following actions immediately : Cease sharing my personal information with any third party, including furnishers of information to credit agencies, without my express written consent.

Remove the outdated or inaccurate adverse item from my credit reports.

Provide me with information regarding my right to opt out of having my information shared with furnishers in the future.

I am enclosing copies of my credit reports and any relevant documentation supporting my claims. Please confirm receipt of this letter and outline the steps you will take to address my concerns. I reserve all further rights and remedies available under the FCRA and applicable laws. XXXX and Experian do not maintain reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

I called US Bank on XX/XX/year>. I dialed ( XXXX ) XXXX. 
Unfortunately, I experienced poor customer service by several agents. 
The first agent was a male employee who refused or transfer me to a supervisor upon request and disconnected the phone on me. 
I called back. The second employee was a female in Georgia ; she said she was near XXXX. She also disconnected the call after fully authenticating me. I called back again. The next agent 's name was XXXX from Illinois. At the end of the call, she stopped talking ; there was dead air. I kept saying " hello agent are you there? '' There was no response, however, my call was still connected and I did not have my mute on. This agent willfully and knowingly engaged in call-avoidance. I was forced to disconnect and call back. The next agent 's name was XXXX from XXXX Oregon. I asked her to transfer to a supervisor and she then deliberately disconnected the phone. This is egregious. US Bank 's customer service employees engaged in call-avoidance. I seek to hold US Bank accountable for its substandard customer service. Please note : I never used any profanity or made any threats. All of my calls occurred between XXXX XXXXXXXX XXXX  PDT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name- Check N Go Payday Loan City and State of Loan- XXXX , New Mexico Year of Loan- XXXX  Amount of Loan- XXXX Reason For Complaint- Payday loan company check n go is doing illegal activity this has been disputed in the past several times and removed off my credit reports completely and closed out with XXXX balance and somehow this company manages to find a way to put it back on my credit reports Ive tried to speak to check n go and instead of them trying to figure out the situation they choose to argue and Harass me Ive even tried to speak to somebody higher up with authority but I never get a call back I need this company to remove off my credit reports this item is a XXXX balance and should be closed out. Also in the state of New Mexico payday loans are illegal now also this is a payday loan company that should not be reporting anything to creditors. And is illegal. therefore this company is not following rules and guidelines
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX PM I withdrew {$1000.00} cash from a Wells Fargo ATM on XXXX XXXX XXXX, XXXX, NJ. The machine only dispensed {$560.00}, the remainder was stuck in the machine and could not be pull out. The machine erroneously printed a receipt indicating {$1000.00} was withdrawn. The {$440.00} was visibly stuck in the machine, it could not be extracted. There was no one in the branch to report this to it was closed. 

I immediately contacted customer service. They commenced an investigation and provided a temporary credit. 

On XX/XX/XXXX I received a letter advising the investigation was completed and " determined there was no error. Your account was charged the correct amount for the transactions. '' They offer " copies of documents used in making out decision ''. I expect that the transaction would be video recorded, this would provide ample evidence of the error. No paper evidence would show that the money was stuck in the machine.
Product: Mortgage

My previous mortgage company XXXX XXXX sold the account to Selene Mortgage in XX/XX/2022. On XXXX22 I received a bill from Selene Finance indicating Corporate Advance Fee Breakdown for transaction date XXXX22- {$75.00} ( Prior Servicer Corporate Advance Fee ) and XXXX22 - {$20.00} ( Property Inspection ). The Property Inspection fee was disputed and credit to my account. The {$75.00} for Prior Servicer Corporate Advance Fee is still on my account and now showing as over due. I am not responsible for fee being that I did not ask for a re-finance or a transfer of mortgage company. Any fees that transpired during this sale of mortgage accounts is solely on both companies. The account holders did not ask for a re-finance or a transfer of mortgages.
Product: Credit card or prepaid card

I applied for a credit card with Care Credit basically synchrony bank. I was approved and used it for my XXXX XXXX. I used {$2000.00}, of which I was on a no-interest plan for 1 year. However, I noticed throughout my year I was randomly being charged interest of around $ XXXX {$9.00} on random months.. 2 months prior i called to get this amount removed to pay off my credit card so I had no interest ... As I was only able to see 60 months of transactions I was told to hold on to my final payment until the account has been updated. This started In XXXX of XXXX. I was told each month it would take 30 days, I had to call back every month for 6 months as I was told each time a dispute was never opened... As of XXXX, i paid what I thought I would owe, which is 1 month after the interest kicked in. I was told the dispute would be resolved and the interest would go away. Month after month I was told a dispute was never opened finally in Fed I was told that it's too late now and I should have just paid it all off ..... 

I have documentation of every month I called and every conversation, when i call it I spend hours explaining the issue as they have no notes they do not understand, i have been told the prior that should have been in play was for 3 different reasons, late fee interest, some special promo interest, or something I signed up for, it is different every time I talk to someone... I have even gotten to the point of 3 months ago I said if you just remove the late fees I would pay it all off.. They told me they would get back to me with an answer and still no response... I companied via XXXX i was told they would contact me and they still have not, this was 1 month ago. They are single-handedly DESTROYING my credit..
Product: Student loan

I am looking to get a refund on my federal student loans under the CARES act for my payments made during forbearance. I started school again ( XXXX ) and hit the " Cost of Attendance '' cap for my student loans and have been struggling to pay rent. 

I submitted my refund from Edfinancial on XX/XX/XXXX via phone call. I have yet to receive any initiated communication from Edfinancial regarding this inquisition.

I called Edfinancial again on XX/XX/XXXX to check on the status of the refund. They said they were unable to verify the status, only that it was a successfully submitted request. When I asked for a timeline, they told me they were unable to give me a timeframe. 

I made a refund request to my other loan servicer earlier this month and was given an XXXX week timeframe. 

Due to my financial situation, I am very upset with the lackadaisical attitude of Edfinancial. I would have appreciated a quicker turnaround for these refunds, or at least more transparency with their borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy with my husband, because he had to file and he was given misinformation that I had to file with him. I ended up dismissing out of the bankruptcy. This was six years ago. Since then, the credit reporting agencies had listed my existing mortgage as closed. I worked with XXXX and XXXX and they fixed the problem. Experian is refusing to give me credit for the house that I have owned for 13 years and am currently sitting in as I type. I tried to do a dispute, where they said they would contact the mortgage holder, XXXX XXXX XXXX. This was on Sunday, XX/XX/XXXX ( when I noticed that I was still not getting credit ). They closed the investigation on the same day. So, I know they did not contact XXXX  XXXX XXXX, as they are not open on Sunday nights! I want the credit that I deserve!
Product: Credit reporting or other personal consumer reports

On XXXX  XX/XX/XXXX, I received a Capital One XXXX XXXX XXXX I never applied for this card. I immediately called the company and told them that I never applied for a card but received one. They told me I can give them some information of mine so they can further investigate the claim and closed the account for me.
Product: Prepaid card

Received an AMEX eGift card. Can not use anywhere, constantly declined. Was able to use ONE TIME at a merchant that could type in the number but absolutely impossible to use online, even with merchants that accept AMEX. Tried 2 other merchants in person and they have no way of processing this card. Have repeatedly called Customer Service and just keep getting routed through the same recorded options. Checked online and other customers seem to have the same problem with AMEX.
Product: Credit reporting or other personal consumer reports

They promised me my part of the settlement which they never gave or a refund of all the penalties and all the cost that I'm out and medical costs that I lost for coverages and etc which total {$20000.00} Plus for lawyers and stuff and I submitted claims and they did not do anything on that or give me my restoration like they told me in 7 years of monitoring haven't done nothing
Product: Credit card or prepaid card

I contact Comenity Capital Bank several times requesting financial assistance due to Covid19 unemployment. On XXXX XXXX, I requested payment assistance and a waiver of interest. Instead of assisting me during a financial crisis, the bank sent me a reply email stating the following : " Thank you for your recent inquiry. Attached you will find the documentation you have requested. Please review and if you have any questions you may respond directly to this email ''. This letter informed me that rather than offering me deferred payments, my my credit reports were checked and my credit limit of {$4500.00} was lowered to {$300.00}, which was the amount owed on the account. 

Also note, the website indicates to contact the bank for financial assistance due to Covid19.