23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Recently, my husband and I applied to our mortgage company, Mr.Cooper, to remove the PMI ( Private Mortgage Insurance ) from our mortgage loan due to the current property value. We were instructed to pay {$190.00} for a property valuation. We paid the fee. A person arrived at our home on XX/XX/2023, stayed for five minutes, and left. During this time, he took photographs of our bedrooms and the outside and left. 
We received a letter denying the removal of PMI because we must meet the applicable loan-to-value ratio ( LTV ) according to the chart on page 2 of the letter. The chart on page 2 is as follows : Loan less the years old : Single Family Residence 80 % Loan is between two and five years old Single-Family Residence 75 % Loan is greater than five years old Single-Family Residence 80 % Ours is two and a half years old, and our LTV based on the current value is XXXX. It appears on the surface that Mr.Cooper systematically raised the PMI removal standard to 75 % in the category we fall into - to ensure we do not qualify because it doesnt make business sense to have a standard of 80 % LTV , raise that standard then lower it again after five years. This business practice appears discriminatory on the surface ; however, it guarantees PMI payments for at least five years if someone does not pay a 20 % down payment at the closing of an original loan. It also makes it difficult to remove PMI if the lender raises the LTV requirement for loans between two and five years after showing an excellent payment history after 24 months. 

My husband is a fully XXXX American veteran who could not use his VA Loan at the time of this purchase, due to another home, however when the interest rates lower, we plan to do so in the future. In the meantime, we do not want to waste finances on a product when we can place the PMI funds towards lowering the principle of this loan. 
As of the date of this letter, our loan balance is {$280000.00}, and the critically reduced value, without considering our corner lot size, beautifully landscaped yard, and upgraded master closet, is listed as {$350000.00}, which is an LTV of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : US BKPT CT TN XXXX DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : Federal District DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : A FED BANKRU DOCKET Number : XXXX DATE REPORTED : XXXX/XXXX I have disputed these accounts with all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked. According to their page for checking, my data " may '' have been impacted, along with 143 million other Americans. This is ABSOLUTELY unacceptable for any company holding onto this sensitive of data, for this many consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a certified letter to TransUnion requesting validation of the account they are reporting for XXXX XXXX. They signed for the letter on XX/XX/2019. I requested copies of the account bearing my signature and if they could not send them to delete the account. TransUnion failed to respond to this request or place dispute remarks as requires by federal and state reporting laws. On XX/XX/2019, I sent a follow-up letter once again asking for validation of the account and the documents and providing them notice of their failure to place dispute remarks. They responded on XX/XX/2019 stating that it was verified but once again failed to place dispute remarks and once again failing to provide verification documents. Since they refuse to follow federal and state reporting laws, the account should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my all my credit report with out provide documentation my credit report is in good condition refuse to take it bank of America shouldn't be on my credit report I paid my XXXX  balance in full I completed it earlier change my credit score with out verification illegally operation my personal information credit report agency I am tired of them doing me like that drop my score XXXX point with investigation correct paperwork
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2017 i received an alert through XXXX XXXX that XXXX XXXX made a hard inquiry on my credit. It reflects on all the three credit reporting agencies as there has been a drop of about 123 points in one of the scores. I wish to state that i did not authorize the inquiry and therefore its fraud. Their contact is XXXX XXXX XXXX XXXX XXXX missouri XXXX XXXX XXXX Kindly please investigate this urgently XXXX XXXX XXXX last four of ssn XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report score with data collected by Experian, XXXX and XXXX XXXX currently is not an accurate representation of my credit practice and behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opened XX/XX/XXXX + {$450.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  XXXX   XXXX  Opened XX/XX/XXXX + {$220.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1000.00} Original creditor : XXXX  XXXX XXXX  XXXX XXXX  all ftc violations filed
Product: Debt collection

I have never received correspondence from the collections company. They have simply continued to place negative marks on my credit report. I have disputed the issue with the credit agencies, however the company continues to submit negative information. I have no documents showing that I have any outstanding debts owed from over 5 years ago. ( Additionally I filed bankruptcy in XXXX, had this company been attempting to collect in a timely manner it would have showed up on my report at that time. ) They state I owe money as a result of moving out of an apartment  in XXXX. They didn't even start posting on my credit report until several years later. As far as I know all payments were made and no moneys were owed when I handed in my keys to the apartment  complex.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts over the last few months to get the company to send me validation per the FCRA that this debt is mine. They have never responded with the requested information
Product: Checking or savings account

Citibank failed to open a new account in the stipulated timeframe, moreover, the account holder was notified on XXXX XX/XX/2021 that the account has been opened and a debit card and the welcome kit are on the way. New Account Application XXXX XXXX Citibank representative ( XXXX XXXX failed to justify the reason for delay when contacted after 10 days i.e. on XX/XX/2021. 

The whole tactic was played to avoid the promotion bonus mentioned below. 

https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX Complaint Number - XXXX * above complaint number provided over the call by Citi phone agent - XXXX on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

This reporting agency continues to furnish information that has been pre-opted out of along with identity theft reported inquires. Upon asking for debt validation, the company just verified the accounts but did not show me where they received this information from.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  ; has violated my rights. 

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 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 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 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
Product: Credit card

I had reported a credit card theft to the company. 
My credit card had skimmed in XXXX  and used in many online purchases by the thief including purchases in the state of XXXX. 
After filing the report and letting them know I couldn't have been the one to use the card out of state at the time. There is proof I was using it in my state of Texas at the time it was being used in XXXX. 
My stolen credit card information was used to pay for things like automotive insurance, purfume, food, etc. 

I waited a long time for the results of the investigation. 
the credit card company sent me a letter stating I was liable for all the fraudulent transactions because the physical card was in my possession. 

The credit card company charged me interest for the transactions The credit card company refused to allow me to speak with someone in charge The credit card company demanded payment during a second investigation. 
I have not received notice of a second investigation. 

Overall, my card was stolen via a high tech scheme to copy the information from the card and transfer it elsewhere, where it was used in a criminal shopping spree totaling over {$1500.00}. Not only did the credit card company blame me for this, they also provided no protections for me the consumer. I think this violates every card holder agreement the company has.
Product: Credit reporting or other personal consumer reports

Inquiry on my credit report XXXX inquiry date XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I attempted to make an internet purchase via the XXXX   classified ads. 
I paid {$600.00} to a XXXX XXXX ( XXXX XXXX ) for the purchase of a kite. Soon after verifying payment, the seller claimed he couldn't access the funds and wanted me to send more. I identified this as fraud and immediately called paypal. Paypal will ONLY process customer concerns via chat, they claim their phone systems are " down due to covid. '' With every line of text, I am sent to a new agent, no progress is made. This happened countless times. 7 hours with customer service provided no results. At one point I was told I would be transfered to a resolution center, only to be met with a new agent requesting the discussion be started from scratch again. When i requested a transcript of the text, as. per their website instructions, my call was transfered, then abandoned. 
I found the resolution center on my own, filed a request for review at midnight, and it was closed as " resolved '' minutes later. 
Logs of all calls and text between Paypal and fraudulent seller are available on request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$77.00} Balance updated XXXX XXXX, XXXX So these three accounts should not be on my inquiries because either old accounts and also I dont recognize XXXX XXXX XXXX services I dont recognize and also PayPal. These are unknown accounts. 

I need this off of my credit report because theyre not my accounts and unknown please.
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$210.00} Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

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

XXXX XXXX XXXX XXXX XXXX XXXX did not send me a bill for the charged amount if {$170.00} in XX/XX/2023. Therefore in XX/XX/2023 the amount became delinquent and went on my credit report causing my score to drop approximately XXXX points. The minute I found this out I immediately paid the account off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information has been compromised and obtained illegally and used for purposes which I have just recently realized when my girlfriend checked my credit for me. They show XXXX XXXX and XXXX XXXX  none of which I recognize.
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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : MRS BRO L.L.C. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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 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. 1681 s-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: Checking or savings account

I went into a local banking facility the week of XX/XX/2020 to have my name changed on my checking account and Debit card .I was sent an ATM card as the replacement for my debit card. I called customer service and stated that I was unable to access my account and was told by XXXX from Texas that I had been sent ATM Cards X 2 and she needed my permission to reissue my debit card in which I gave verbal approval .I was sent the card but when I attempted to use the card it declined. I called Customer service again and spoke with a XXXX who stated he would get my account reopened.. After speaking with XXXX I started getting Emails stating that my card was declined and this I could not understand because I had over XXXX in my account. On Friday XX/XX/XXXX my account was reopened by XXXX and was informed that I would receive a call from her supervisor XXXX, This never happened. I called customer service as I have yet to be able to access my account.I spoke this morning with an XXXX stated that he was communicating with the Supervisor XXXX and she was working to get my funds available, About XXXX I went to the local branch to see if I could be helped and they told me to call Customer service again to reopen my account because I have direct deposits that will be floating because how I am being handled that is no fault of my own.I am currently on the phone with a XXXX who is assisting to get my account reopened -This is  elderly abuse at it worse also I am recovering from XXXX XXXX XXXX OnXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX -- XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

I purchased a used XXXX XXXX  XXXX vehicle from XXXX that was financed through American Credit Acceptance On XX/XX/XXXX. I made monthly payments on the vehicle until XX/XX/XXXX at which point I took the vehicle in to a dealership to trade in towards the purchase of a new vehicle. In doing so, I as well as the sales team contacted American Credit Acceptance numerous times attempting to get a payoff balance so that the value of the XXXX could be applied to my new loan, and I could be credited for the trade in. Not only were we given numerous different totals, but every instance of trying to call in the payment was met with being placed on hold until we gave in and hung up. The dealership ended up securing funding for my new vehicle without the trade in value applied and sent me on my way. I was called twice after by American Credit Acceptance in an attempt to take my monthly payment, and both times asked to be given a final payoff amount to no avail. Eventually American Credit Acceptance repossessed the XXXX XXXX with many of my belongings still inside, and from what I am told, sold the vehicle at auction, and placed an account into collections against me for a random amount of money. They have made it so that there is a collections account on my credit report for over {$4000.00} due to some XXXX XXXX XXXX.
Product: Debt collection

This company continued to make back to back calls to me on the same day. They continued even after I asked them to stop. I told the representative that I had paid {$20.00} on the account and would call back to pay the balance. That did not stop them from calling. 

On XXXX I called to pay the balance of {$78.00}. They wanted me to pay a {$5.00} processing fee which I did not want to pay because of the way they had previously treated me. They were upset because I did not want to pay the fee. I called XXXX and paid the balance of what I owed ( {$78.00} ).  There was no fee involved. 

Amsher Collection Services , Inc. turned the {$20.00} over to the Credit Bureau to have it placed on my account. This amount was paid by check previously to XXXX directly. This is for a watch that I let someone else use that did not pay the bill. I could not even remember the passcode to get information from XXXX because I had not had the watch in so long. That is also one of the reason I could not find the check ( {$20.00} ). I do not get copies of my returned checks. If XXXX did not receive the check. I will pay the {$20.00}.