23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LoanDepot has overcharged me for PMI and mortgage interest following full payment of my mortgage on XX/XX/XXXX. 

Full payment on my mortgage was wired to LoanDepot on the morning of XX/XX/XXXX. LoanDepot has told me that it takes days to " process '' the payment and they have decided to charge me for PMI and interest following full payment. LoanDepot has to this date provided no documentation showing that the wire for payment was not received on XX/XX/XXXX. 

According to my escrow account transaction history, I paid LoanDepot PMI of {$150.00} on XX/XX/XXXX. On XXXX, after my mortgage was paid in full, {$300.00} was deducted from my escrow account for PMI. Yet I had paid PMI just two weeks prior. On my closing disclosure from the sale, I also paid {$450.00} in PMI. It is my understanding that this PMI amount was conveyed to my escrow company by LoanDepot. 

Additionally, my closing disclosure lists {$230.00} paid to LoanDepot for interest for XXXX. Because my loan was paid off on XX/XX/XXXX, I am due a refund of all interest charged on or after XX/XX/XXXX. 

I have tried several times to speak with LoanDepot regarding this matter. On XXXX, I wrote LoanDepot a secure message via the loan servicing website to request a refund. I have yet to receive a response to that message. I then sent two follow up emails referencing my message on the loan servicing secure message portal. 

I then wrote to XXXX XXXX XXXX to request assistance. XXXX informed me on XX/XX/XXXX that she understands that I filed a CFPB complaint against LoanDepot and that she would not be able to respond to my concerns until LoanDepot 's Regulatory Team reviewed and responded to my complaint. XXXX is a Senior Escalation Resolution Specialist, and she told me that because I initially inquired about the PMI and interest overcharges via the secure message portal, she could not assist me. This response from a Senior Escalation Resolution Specialist appears retaliatory in response to my CFPB complaint made on XXXX regarding LoanDepot 's wrongful withdrawal of my monthly payment after my loan was fully paid. 

On Thursday, XX/XX/XXXX I received a call responding to one of the two follow up emails. The agent I spoke with told me that I had already been refunded ~ {$4200.00} for my issue. This was false. The XXXX refund was for a wrongful autopay payment by LoanDepot following full payment on my mortgage. Once I explained this, the agent told me she could not help me because I initially wrote my message through the secure message portal. 

I had now been over seven days since I sent my original message regarding PMI and interest overpayment. LoanDepot 's multiple deflections and refusal to respond to my original inquiry is an unfair, deceptive, and abusive act or practice.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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: Credit reporting, credit repair services, or other personal consumer reports

I demand these account be removed immediately! These accounts have violated my rights to privacy pursuant to XXXX XXXX XXXX. XXXX XXXX And XXXX XXXX XXXX have violated my right and I sent them multiple cease and desist letters without prevail. Make sure they receive them and delete these accounts of my consumer report! 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. 


Attached is the cease and desist letters for both companies!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I attempted to unfreeze my credit report with Experian in order to apply for a mortgage refinance. Because I was part of the XXXX  breach, I keep my credit report frozen. I was able to easily call XXXX  and XXXX  to lift the freezes there, but had no luck with Experian. I attempted to remove it online by entering my social security number and Experian pin. It said it was " unable to process at this time. '' I then tried to call. I entered my social security number and pin and the automated teller said that they were " unable to process at this time, '' and instructed me to send a letter requesting the freeze and include proof of social security number, driver 's license, and proof of address, such as a utility bill. I tried joining Experian as a member, but it still did not work. I called three separate corporate numbers, included a different number listed for members, and no number included the option to talk to a person. Every call resulted in the instructions to mail in my request, allow 3 days for processing, and lead time for the letter 's transit. 

My mortgage refinance rate expires ; but I have to paper mail a request for my own credit and do not have the option to talk to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Equifax, & XXXX Im writing this letter in regards to XXXX XXXX XXXX on my credit report, 15 USC 1681i ( 5 ) specifically states ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

The reporting agency has reported inaccurate information on my credit report from XXXX XXXX XXXX which I will state below : - My full name is incorrect - My Date of Birth is incorrect - My current address is incorrect - My previous address is incorrect - My employers are incorrect - My also known as is incorrect - My former is incorrect - Account # is incorrect - Account type is incorrect - Bureau code is incorrect - Account status is incorrect - Monthly payment is incorrect - Date opened is incorrect - Balance is incorrect - No. of month terms is incorrect - High credit is incorrect - Credit limit is incorrect - Past due is incorrect - Last reported date is incorrect - Last payment date is incorrect - Last 2 years of payments are incorrect Sincerely, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting

they will not let me dispute these, what they have on them are wrongXXXX Dispute this itemAccount Number : XXXXDate Opened : XX/XX/XXXXStatus : Discharged through Bankruptcy Chapter XXXX this was paid not chapter XXXX by me with money orderXXXX XXXX Dispute this itemAccount Number : XXXXDate Opened : XX/XX/XXXXStatus : Paid, Closed. 

XXXX XXXX Dispute this itemAccount Number : XXXX .... 
Date Opened : XX/XX/XXXXStatus : Paid in settlement. this was not settlement i paid full bal
Product: Debt collection

I settled with the lawyers on a past credit card debt and received a notice that debt has been settled. I am now being sued again for the same account that I settled on by the same lawyers.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello the bank was offing free printouts of peoples credit reports and I saw alot of unknown accounts, names and addresses being reported. I think they have me mixed up with someone else and I need this issue resolved. 
XXXX XXXX  opened XX/XX/XXXX for {$18000.00} XXXX XXXX  opened : XX/XX/XXXX for {$730.00} XXXX XXXX XXXX on XX/XX/XXXX for : {$2100.00} XXXX XXXX XXXX was opened : XX/XX/XXXX for {$4200.00} XXXX  Account was opened : XX/XX/XXXX Account Balance : {$0.00} XXXX XXXX was opened : XX/XX/XXXX Account Balance : {$860.00} Fraudulent Inquires/Unauthorized inquires Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX who the heck is XXXX XXXX XXXX?
Product: Debt collection

I originally filed a complaint against ic collection in XX/XX/2020 for placing collection information on my credit I report for fictitious debt. 
I.C. Collection agreed to provide valid proof and statements for said debt. 
Today, XX/XX/20, I received statements for an account not mine. I.C SYSTEMS did not provide proof such as signatures, identification  documents associating me with the debt. 
I am still disputing the debt as mine.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the repeated and unsuccessful attempts to correct late open account on my credit report. Despite my persistent efforts and the passage of time, these inaccuracies remain unresolved and continue to negatively impact my creditworthiness. I first initiated disputes regarding these late open account. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments. Despite multiple disputes and my repeated efforts, these late open account have not been corrected. The continued presence of these inaccuracies on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to this error. Please help me correct this account : XXXX XXXX XXXXXXXX Balance Owed : {$410.00}.
Product: Credit reporting or other personal consumer reports

Credit bureaus are reporting a business account to my consumer credit. the name of the company is XXXX. 

Nothing in the contract permits the credit bureaus to report this business account to my consumer report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Bankruptcy Entry on Credit Report I am writing to formally dispute the bankruptcy entry on my credit report. This entry is inaccurate and is causing significant harm to my credit standing. 
Details of the Disputed Bankruptcy : Date of Bankruptcy Filing : [ Date of the bankruptcy filing on your report ] Court Name : [ Name of the court where the bankruptcy was filed ] Case Number : [ Bankruptcy case number, if available ] Reason for Dispute : The bankruptcy entry does not belong to me. 
Requested Action : I request that you investigate this matter and remove the inaccurate bankruptcy entry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation and correct any inaccurate information. 
Please provide a detailed description of the investigation process and the methods used to verify the accuracy of the disputed bankruptcy entry. I also request the following : 1. Verification Sources : Provide a list of all sources, including courts or public records, consulted during the investigation.

2. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed bankruptcy.

3. Correction : If the investigation confirms the inaccuracy, promptly correct my credit report.

If you can not verify the accuracy of the disputed bankruptcy entry, it must be removed from my credit report.

I expect to receive a response within 30 days of your receipt of this letter, as mandated by the FCRA. Failure to address this dispute promptly and accurately will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office. I may also seek legal advice to ensure my rights are protected. 
Please send your response to the address listed above. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau Attorney Generals Office
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit card or prepaid card

The Barclay Card Arrival Mastercard advertises itself as a travel card. This is FLASE ADVERTISING SINCE THE CARD CAN NOT BE USED INTERNATIONALLY. I called Barclays to let them know that I was traveling internationally to XXXX. While I was traveling in XXXX they CONTINUOUSLY CUT OFF MY CREDIT CARD. I answered their call multiple times to tell them it was me using the card and they continued to cut it off repeatedly. I spoke with customer service and the agent told me I had done everything that I was supposed to but could not guarantee that the card would not be shut off again. They REFUSED to keep my card active while I traveled, even though I REPEATEDLY confirmed my transactions and told them I was traveling and it was me using the card. If the card can not be used internationally, they should not be able to advertise that it is can, so they dont leave customers stranded with no form of payment. Their lies put people in dangerous situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within XXXX of receipt of this letter. Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. I look forward to your prompt response and resolution of this matter. Account information : XXXX XXXX XXXX balance {$32.00} 150 days late Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account paid in FULL via phone with Ally Bank : Tuesday XX/XX/XXXX. 
Ally bank can not provide proof as to why suddenly additional amounts are owed. Have spoken to over 15 Ally Bank representatives trying to 1. get an exact dollar amount, which I cant 2. Have them provide me reasoning why this is owed. I have been in constant contact with Ally Bank. Recently spoke to ally bank regarding initial CFPB complaint. They advised me not to worry and that its being looked into, and that they would be in touch. Two days later ( on XX/XX/XXXX ) they put a derogatory mark on my credit. This is not fair. They are really interfering with my life. I have been trying to work with Ally Bank to resolve this with 0 assistance in the matter. They can prove me no documentation and no one will  work with me. 
Please note : Married Name : XXXX XXXX XXXX EST. XX/XX/XXXX ) Maiden Name : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a vague call from venmo, on the XXXX  of XXXX saying that the transactions, totaling XXXX that I had just made did not go through, and that I needed to deposit that amount in my venmo acct. I could not figure out why it would not have come out of my bank acct and called both recipients to make sure they received the money and both said they did. I called venmo to ask why I needed to deposit money when both had been paid and they told me it was because one of my renters disputed the rent and they were giving it back. This is XXXX, and the payments they were referring to, were made in XXXX. I sent them lease copies and their own payment record from XXXX. Then they changed the story, saying that it was made with a credit card and XXXX XXXX  wanted their money back. I called the bank and they told me it was a credit card company affiliated with their bank, but they had nothing to do with it. Venmo then tried to tell me that the money from said renter had just gone into my acct, which they knew was a fraudulent statement. I sent them copies of their own records and spoke with a supervisor in their customer service who told me she could not believe what was going on with my acct. They have told me so many different stories, and know that someone screwed up and took the money from my acct. Now, they are saying that it was not them but the credit card company that she paid with. I did not give her a credit card, nor did I give her a credit limit, and was not even aware that she was paying with a card. The law also says that you can not go after a vendor to get money back from a credit card purchase. As I stated before, I certainly did not give her a limit on a credit card. I am assuming that someone at venmo has a buddy at the credit card company. There is no other explanation as to how this could happen.
Product: Credit reporting or other personal consumer reports

INACCURATE AND UNVERIFIABLE INFORMATION IS BEING REPORTED ON MY CREDIT CONSUMER FILE.
Product: Credit reporting

I recently received notice from XXXX of my creditors that their systems had been breached and my information may have been compromised. I attempted to utilize Equifax 's website to put a 90 day fraud alert on my credit file. I was easily able to do this XXXX without any issues. Equifax is demanding that I send them XXXX and all sorts of documentation of identity. This does n't make any sense. Why would they make it more challenging for me to protect myself from fraud? I just closed on a house a few weeks ago. I have none of the documents they want. I insist that they put a 90 day fraud alert on my credit report at once so that I can protect myself from identity theft.
Product: Payday loan, title loan, personal loan, or advance loan

I have a simple but very complicated question about Affirm accounts. 

I built my credit history with an ITIN rather than a social security. So far XXXX is the only bureau that reports ITIN amongst the 3 bureaus. Therefore, I'm unable to identify myself with lenders that pull from XXXX. 

I am not able to get the right person over the phone to provide the best information I need hence my question. 

Unlike XXXX which works fine with my tax ID, does any ITIN holder have even slim chance of getting an Affirm account with an alternative way to verify identity? Im missing out on XXXX, XXXX XXXX, XXXX, XXXX and more marketplaces that partner with Affirm.
Product: Credit reporting, credit repair services, 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. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX This is not my correct address. Remove it immediately from my credit report. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* USDOE/XXXX XXXX USDOE/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instruction 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.