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

Previous complaint # XXXX XX/XX/2023 XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX box XXXX XXXX XXXX XXXX  XXXX Re : Method of Verification Certified mail receipt # XXXX Pursuant to 1629 ( g ), I am requesting the method of verification for the following disputed account ( s ) : XXXX. XXXX XXXX # XXXX # XXXX XXXX. XXXX XXXX  XXXX, # XXXX, # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX # XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ). 

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards, XXXX XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. By requesting " validation '' ; I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay PORTFOLIO RECOVERY. Portfolio, recovery associates collection agency in the state of Michigan does not have legal authority nor proper licensing. Portfolio, recovery associates does not possess a collection agency license in the state of Michigan. I am a Michigan resident in portfolio. Recovery associates has been attempting to coerce me into believing that I owe them a debt. They have failed to show me any contact agreement in which I agreed to do business with this company. In an attempt to take advantage of me, the consumer, they have included the name associates to appear as if they lawyers or attorneys in which they are not. This company has been violating my consumer rights for years by furnishing this onto my consumer report. Without my consent I have never done business with or have I acknowledged this alleged debt. 
The account number is in question in relation to these alleged debts are Acct # [ XXXX ] {$430.00} At the refusing to validate the these alleged accounts this company is breaking the following laws 15 usc 1681b Identity theft 15 USC 1681n Willful Non Compliance 15 usc 1681e Not reporting accurate information 15 USC 1602G Because of these constant violations of the law and my consumer rights, I am legally and lawfully, refusing to pay this company
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Product: Credit reporting

Summary : I am demanding that Equifax remove XXXX account XXXX from my credit report. Instead Equifax is ignoring the will of the court and placing undue burden on me by demanding I have a lawyer contact them in writing demanding removal of the account. 

Details : Equifax is publishing a XXXX Revolving Line of Credit account ( ending in XXXX ) that XXXX Count District Court ruled on XXXX XXXX 2016 was not my responsibility. In addition I was awarded {$5000.00} in consequential damages for the continued reporting of that account by XXXX XXXX ( reference attached XXXX County District Court case number XXXX ). Equifax was received proper notice of the case in XX/XX/XXXX and proper notice of the court findings and judgment on XXXX XXXX. Equifax acknowledged receipt of the findings and judgment on XXXX XXXX. I talked to an Equifax representative on XXXX XXXX. Despite proper legal notification of the court finding that I am not responsible for this account Equifax has refused to remove the account from my credit report. Instead, I was told I would need to have an attorney contact them in writing to have the account removed. It is my understanding that consumer credit bureaus are obligated to abide b court rulings once they have received proper notice. I am filing this complaint because I believe Equifax is attempting to improperly avoid it 's legal obligations by placing an arbitrary, undue and expensive notification / escalation burden on me that I am not legally required to fulfill.
Product: Mortgage

I have called twice requesting to have the PMI insurance removed. The company says I have to keep it for the life of the loan. I asked for a home appraisal since the property has almost double in price. PHH has declined me twice.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a struggling XXXX XXXX XXXXt. got my commission check of {$7300.00} from broker in almost 7 months, I deposited that check, but Bank of America put a hold of 10 days to validate funds, I spoke with them twice to release my funds after checking everything in 2/3 days, as check is coming from an established institution and who deals with higher amount everyday, and it should not take10 days to validate fund in that long amount of time and this digital age. I requested them to check everything in 2/3 days and released my funds as I am struggling with my finances big time, but they have always scripted statement that this is our policy. Their staff is not considerate at all. Now I will be paying late fees and will be running late on some important bill while I know that money is in my account and I can not use due to this unreasonable policy, that is ripping off a customer in the name of policies
Product: Mortgage

We purchased a home in XXXX XXXX and financed with XXXX XXXX. We voluntarily set up an escrow account for our property taxes and insurance. According to our closing disclosure which I have attached, the last page and paragraph of that document indicates that we may be able to cancel our escrow account and if we do, we would have to pay the property taxes and insurance on our own which is what we intend to do. Since we are a new development and one of the first homes sold, our local County has not come out to access what the actual property taxes would be and the projected tax amount is an estimate only. Until then, we do not feel comfortable handing out over XXXX a month to a bank where if it was in our control, we could at least earn some interest on it. Since we live in a new development, the taxes have not been assessed. We are only paying on the land until the county comes out to assess. The next tax payment due is XXXX. Our home owner 's insurance is paid in full for 1 year. Freedom mortgage has over XXXX in unused escrow funds. We were advised by Freedom Mortgage we can opt out of the escrow account since it was voluntary if I sent a request in writing to them and could provide proof that we had enough in savings to make the next property tax payment. I provided that info to them on XXXX/XXXX/XXXX. I called and asked them the status of our funds on XXXX/XXXX/XXXX and I was told I would have an answer on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX and was advised my request was denied due to lack of payment history since we have only had this loan for a short time. This is not in my loan papers. Again, we were advised on XXXX/XXXX/XXXX by Freedom Mortgage, since the escrow account was voluntary and I had funds, we would have our unused monies returned and the escrow account cancelled. I was also told an escrow review would take a week. When I called back a week later, I was told it would take 30 days. I called back on XXXX/XXXX/XXXX and was told to call back in another week. I was then advised on XXXX/XXXX/XXXX that the only way to get out of the escrow was to refinance which is ridiculous as the refinance charges would cost around the XXXX I have in unused escrow monies We want our escrow account stopped and our unused monies returned to us at once. I was promised a call back by a supervisor " XXXX '' and never received one. I asked to speak to the escrow department and was advised that they did not accept outside calls. This is predatory lending and unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB is full of complaints about XXXX. On information and belief, XXXX entered into a settlement agreement for previous bad deeds involving their interaction and conduct with their customers. I have previously attempted to get this matter resolved with XXXX. I recently was contacted by the XXXX CEO Office who indicated they would contact me within two days, that was some weeks ago, and to date I have heard nothing back. I have attached four XXXX 's from XXXX, Cancelling Debt. The issue of a XXXX to the IRS acknowledges XXXX has abandoned all claim to the alleged debt. I previously disputed the debt and provided XXXX verifiable evidence that the debt was based on fraud and not my obligation. I provided XXXX all the law enforcement reports associated with the fraud that I had obtained. XXXX ignored all the evidence and continued to pursue collections. In every case, on each of the four credit cards, XXXX overcharged me for late fees etc. 
XXXX was caught by CFPB and was required to issue refunds. However, XXXX continues to attempt collections on an Abandoned Debt wherein they issued [ 4 ] XXXX 's to me and provided the same to the IRS. After XXXX issued the XXXX 's, they continued to report PAST DUE amounts associated with each credit card. As of XX/XX/2019, XXXX continues to report Past Due amounts on the four credit cards and is attempting to collect.
Product: Money transfer, virtual currency, or money service

Dealing with Bank of America : I had opened a new account with Bank of America on the day of XX/XX/XXXX of 2020. I sent an initial wire of {$1300.00} to the account ( which was all I had due to being unemployed ). Less than hour later I couldn't access the account. Without notice they had shut my account down, I had to call in efforts of understanding what happened. When I called they asked me to come back to the branch to verify an additional form of ID in efforts of getting access to the account and my funds. When I went to the branch I was advised the account couldn't be reopened they're not aware why it couldn't be opened yet and they're mailing a check to my residence. They verified the correct location and advised the check should be there in 7 days. 10 days later nothing had arrived, I called back on XX/XX/XXXX to follow up, they advised it would be there in 7-12 business days. I then followed up on XX/XX/XXXX when I was advised to give account closure a call when they're open the following Monday XXXX XX/XX/XXXX ) by a manager due to me escalating the situation. The manager advised me to ask them to perform a stop payment and pick up a cashier 's check from a local branch. I patiently waited as poor as could be to find there was no way to perform a stop payment prior to 90 days and the checks usually come in 12-15 days by the manager of the account closure department. I had been provided a different story each time I called, I had been hung up on by one associate, and advised I can not speak with a manager by the second associate as I attempted to get this situation resolved today on XX/XX/XXXX!
Product: Mortgage

I say this every time I turn in a complaint ... i don't know why I am bc you won't do anything about it ... short and sweet ... im adding to ocwen fraudulent paperwork ... in which they are suppose to be checking on and of course nothing ... they sent me answers ... yet again to something different ... but I will add it to my govt list and the judge too ... aling with the other answers I am waiting on ... how is it that gmac went out of business in XX/XX/XXXX ... but ... assigned my mortgage to ocwen in XX/XX/XXXX????
Product: Student loan

Issue : My PSLF applications were faxed to MOHELA on XX/XX/2022 with all 3 employer forms signed/completed. I received a qualifying payment update letter dated XX/XX/2022 certifying 2/3 employers, but did not include my employment with the Department of Justice. I never received a denial letter for any of my forms. MOHELA 's website reflects that it was cancelled because it was a duplicate request. There isnt a duplicate application for the Department of Justice, or at least not an approved one, so this pushes the processing time even further due to their mistake. Please note, even though my personal identifiers have been redacted from the attached documents, they were present when the forms were submitted to Mohela
Product: Checking or savings account

When XXXX first came out I had chase bank for the longest while. I tried XXXX  my brother but one diget was off on the phone number and it went to another user. I called the bank about it and they said that they couldn't do anything about it. That I just need to verify ahead of time. They told me that they would not be able to refund me the money, nor was it possible to get in contact with the other bank user.this has also happened with my XXXX XXXX account when I tried to transfer myself funds via XXXX. I've bnerv gotten a warning ahead of time like they do now or any indication that the bank wouldn't be able to fix or help with the mistake.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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

I am writing to dispute a hard inquiry that appears on my credit report, which is unauthorized and inaccurate. Upon reviewing my credit report, I noticed this unauthorized inquiry : NAVY FCU XX/XX/2023
Product: Mortgage

I just wanted to add few more thing to my complaint, They are offering me no other option except forbearance plan and I want a full loan modification that brings my loan current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did noy comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This debt was opened by a person named XXXX  XXXX XXXX, she stole my identity and opened this account. The matter was resolved, the collection agency keeps harsing me
Product: Mortgage

Wells Fargo did not honor their PMI deletion process or vendor-approved home valuation, and it has unjustly cost me XXXX of dollars in fees. 

My original purchase price has been WELL below market value since I purchased XX/XX/XXXX. THREE full and recent bank appraisals have confirmed this. WF first sent me their instructions on PMI deletion XX/XX/XXXX. After reading them very carefully, it was clear to me that all I needed was a current appraisal to show the real home value. I applied XX/XX/XXXX. Rejecting a {$700000.00} bank appraisal dated XX/XX/XXXX from another bank for a HELOC application, WF told me I had to use and pay for their approved vendor. Following the process, I paid {$200.00} for their in-house approved BPO vendor to appraise for current valuation. 

The WF BPO Vendor inspected on XX/XX/XXXX and reported a value of {$590000.00} on XX/XX/XXXX. This ridiculously low valuation was still enough to bring my LTV to 70 % - well below the 78 % PMI deletion threshold. WF acknowledged the qualifying valuation but DENIED the MI deletion based on a NEW requirement that I did not provide documentation for " significant and substantial improvements '' that substantiate the " increased '' value of the home. Subsequent appeals to WF were also denied. They did not care that my original purchase price was depressed due to a lease-purchase agreement with the prior owner. 

Furthermore, I would not have even started their process and paid {$200.00} if the improvement documentation was required. 

The only recourse is to refinance to get out of $ XXXX MI now fixed for the next six years. That refinance cost me over {$3500.00} in loan cost. 

To add insult to injury, WF issued an XX/XX/XXXX loan payoff statement with a line item " PRORATED MORTGAGE INSURANCE {$420.00} ''. When I called WF ( 3 times ) to clarify why an additional FULL month of MI was added to a "  prorated '' payoff on the 5th of the month, they cited " rules and regulations '' that MI is NOT, in fact, prorated but triggered at the start of the month, and paid the following month ( " paid in arrears '' ). 

While they are well-aware that I signed my refinance closing documents at the end of the prior month ( XX/XX/XXXX ), they will still charge a full ADDITIONAL month of MI since the payoff funds will not post to the account until XXXX. Even an XX/XX/XXXX payoff would include a full XXXX MI payment. Crazy. 

This PMI should have been deleted XX/XX/XXXX, but my choices are to either pay 5 additional months and refinance, or stay and pay for another 6 years ( {$15000.00} )! 

I should be reimbursed {$200.00} for the worthless BPO valuation and {$210.00} for the unnecessary XXXX MI fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ( XXXX XXXX  XXXX inquiry XX/XX/2019 ) XXXX/XXXX of XXXX inquiry XX/XX/2019 call may times to dispute / remove
Product: Credit reporting or other personal consumer reports

I have started disputes many times on the recent past with all 3 major bureau 's regarding false and incorrect and/or old information being reported as far as my personal details and have gotten zero results and absolutely no compliance with my requests.. Not to mention the hard inquires i have challenged and requested immediate removal due to me not being accepted and receiving any credit or not being approved which has also been a failure on their end.. Lastly, the many negative items I have asked for copies of my original agreement or contract with my provided wet signature or autograph of you will, and have gotten updated and verified messages only with no documents i asked for or proof of verification.. This is unprofessional and extremely frustrating due to the damage of my report and personal suffering due to not being able to get approval for anything all because they refuse or neglect to perform their required duties..
Product: Credit reporting or other personal consumer reports

I disputed an account listed under XXXX XXXX XXXX XXXX  on my Experian, XXXX and XXXX credit report, as I have never conducted business with this company nor authorized any transactions associated with it. Despite submitting my dispute with sufficient documentation, including proof of identity and supporting details, Experian, XXXX and XXXX. failed to conduct a proper investigation or remove the fraudulent account. 

This account has been negatively impacting my credit report, and Experian, XXXX and XXXX 's lack of action violates the Fair Credit Reporting Act ( FCRA ), specifically the requirements under XXXXXXXX XXXX  XXXX, which mandate a reasonable and accurate investigation of disputed items. 

The dispute was initially submitted in XXXX, and I have yet to receive any meaningful response or evidence of verification from Experian, XXXX and XXXX. This lack of action has caused significant XXXX XXXX  and XXXX, as the inaccurate account continues to damage my creditworthiness and financial stability. 

I request that the Consumer Financial Protection Bureau ( CFPB ) hold Experian, XXXX and XXXX accountable for their failure to comply with FCRA requirements. 
I demand a thorough investigation of the disputed account and the immediate removal of the fraudulent account from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I made a purchase and it wasnt as described so I returned it and the company received it XX/XX/XXXX tracking # : XXXX. They admitted they got the item and I was waiting on a refund. I never got that refund so I opened a dispute on PayPal. PayPal denied my dispute because it said that the company said I sent the wrong item. I went back-and-forth and finally got XXXX XXXX to acknowledge that they had messed up and checked the wrong package. ( see my screenshot. ). I then contacted the executive office to reopen my dispute and they did yet they still denied it with all the proof uploaded. Now when you go into the dispute, it says I need to provide tracking information for the refund by XX/XX/XXXX but when you click into it, it says the dispute was already closed in the sellers favor. Ive had nothing but issues with PayPal.