23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage is with PHH Mortgage, serviced by mortgagequestions.com.

I have been paying PMI since the loan originated, but last year applied to have PMI removed. I paid their fee for their appraiser to come out and appraise the current value of my home. Their appraiser stated the value at just under the value that was needed to remove PMI on the loan.

In XX/XX/2018, I had another appraisal done to try to refinance the house. The appraised value came in higher than the value needed too remove PMI last year, so, once the refinance failed ( due to a separate issue with divorce ) I contacted PHH/mortgagequestions.com to start the process to remove PMI from the stated value from the appraisal. I have contacted them several times. More than 1 week after each contact ( their autoresponder to email states I'll get a response in 24 hours ), I get a response to my request that they will send out a letter outlining requirements within 7-10 days. I've been trying for a month now and I have not gotten this letter, nor have they responded with a reason as to why they're delaying responses.

Their delay in removing PMI and their appraisal last year feels deliberate in an attempt for them to continue collecting that fee even in light of the requirements for removing its having been met.

Additionally, I have my mortgage payments set for 2 equal payments each month. The first payment is always the requested payment, the second payment of the month is always higher than requested with no explanation as to why. Additionally, my account statements never reflect the additional amount that has been taken from my checking account for payment nor what the additional amounts were used for.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft. I do not nor did not authorize these 3 hard inquiries
Product: Debt collection

I received a notification about a file placed on my credit without written notification from ARC MANAGEMENT GROUP. I am not aware who are what this debt is. ARC MANAGEMENT GROUP HAVE 7 days to furnish such contract between myself and them and they must stop all reporting on my credit file. I will file a lawsuit against such company
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several letters to Tranunion starting in XX/XX/2023, disputing the XXXX XXXX account fraudulently on my report. I have yet to receive confirmation of my results and/or proof this account belongs to me. Under the FCRA this account should be removed NOW.
Product: Debt collection

XXXX calls on behalf of American Express and I have told them in the past to call my attorney that I am filing bankruptcy with, they just called again today XX/XX/2022 @ XXXX am MST
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company is constantly reporting inaccurate information on all 3 credit bureaus. One bureau says open one say debt buyer then another has payment history with a report of 120 day late payment. Balance keeps going up and down. Which it should not, I have never made a payment to this company or have an open account. After pointing this information out. XXXX, EQUIFAX and XXXX is saying information is accurate. Causing my score to drop. I do not that an contract with this company. The credit bureaus are allowing them to play on my report with constant inaccuracies and no consequences. After i pointed these thing out they should have been removed not verified and updated with more inaccuracies. I want this company removed from my credit report and XXXX, EQUIFAX and XXXX to stop letting this company violate my rights. This is a violation i will pursue legal action next.
Product: Checking or savings account

Affirm money account is frozen. Was trying to withdraw my money from account and then received email that account is frozen and need to provide more information. I provided the asked information and company still has my account frozen and I am unable to withdraw my full balance of {$4900.00}
Product: Vehicle loan or lease

I have a car loa n with Honda Financial. I  'm almost at the end of my loan. I recently received a printout of my payments and extra fees. I was horrified to see all of the LATE CHARGES Honda has charged me. I explain what they   failed to do below.
At the   XXXX   XXXX   2016, I started paying an extra " LATE CHARGES '' fee. I asked Honda Financial at least 3 times to change the date of my payment to coincide with my social security check that is deposited in my account on the third Wednesday of the month. Because every month they were adding a late charge on my balance, because on the date they wanted payment, I did not have the funds to make that payment. They said I had to pay {$170.0   0} to get the date changed. I was unable to pay that amount, at that time. As a result hundreds if dollars in LATE CHARGES was added to my balance since then to now. I am a senior with a modest income. I believe Honda did not change the date of my payment so t hat they could collect extra money in the form of LATE CHARGES, thereby profiting from my inability to pay {$170.00} to get my payment date changed. I would like those LATE CHARGES to go away. It 's predatory and grossly unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I have been trying to dispute Account # XXXX with Debt Co Coll. This account was reporting on XXXX and XXXX but it was removed on XXXX. And it should be removed on XXXX as well. I contacted XXXX XXXX  on multiple occasions indicating the laws that were broken for reporting this account ; with my most recent letter stating this account was reported on my report without any permissible purpose 15 USC 1681g- Disclosures to consumers subsection ( a ) Information on file. Also, I asked them to validate this debt by showing me the original contract with my signature on it and the actual accounting. I was not sent anything that showed this debt has been properly validated. This is a violation of 15 USC 1681i- Procedure in case of disputed accuracy. It says if the information is found to be inaccurate or incomplete the consumer reporting agency shall remove this account. This account has been removed from XXXX but XXXX. You can see the below screenshots account # XXXX is reporting on XX/XX/2021. The other photo shows my report on XX/XX/2021 and the account was removed and you can see there is only one collection account on my report Credit reporting agencies are supposed to report the same thing to each agency. So if an account is removed on one it needs to be removed on all including XXXX XXXX XXXX. If both accounts are not removed that is a violation of 15 USC 1681n- Civil liability for willful noncompliance.
Product: Debt collection

IC Systems has advised XXXX that they have " verified '' and " validated '' this account, and indeed have not. There was no initial communication in oder for me to respond or dispute said item. IC System is willfully being negligent and non-compliant with attempts to collect and report alleged debt. 

Per 15 U.S. Code 1681c2, this information is to be BLOCKED and removed within 4 days of receipt as it is a result of identity theft. 

I want to be explicitly clear with my request. I am not requesting verification of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have this account reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 4 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

By responding that you have received my complaint and request, that will guarantee a contract to have said items properly addressed within the next XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I was in disbelief this morning when I noticed inaccurate accounts showing up on my credit report, and I have no idea why they appeared. I review my credit report regularly, but today, there were discrepancies I didnt expect. Thinking it might be a browser glitch, I refreshed the page, but the errors were still there. Im requesting a detailed review of the documents Ive sent so I can finally move on from this stressful situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update these suspicious information. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINTS, and I'm including these again : XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX : I received a {$36.00} payment from a friend via CashApp. This same day, I attempted to transfer the {$36.00} to my bank account, only to receive an error message stating that I have " {$0.00} to transfer. '' The following message also appeared on the email notification I received after getting the payment from my friend : " Due to an issue with your bank account, these funds were deposited to your Cash App. '' I was required to " Accept '' the {$36.00} payment within the Cash App, which I did. 

I still received nothing. 

On XX/XX/XXXX : I attempted to transfer the {$36.00} again, and still got the {$0.00} error. I initiated a chat with a support agent through the app for help with this problem, and was told that it basically comes down to bank processing times, so I may have to wait to receive the funds the following week. I waited until the next Monday to try again. 

On XX/XX/XXXX ( Monday ) : I checked the app to still see a {$36.00} balance and no transfer to my bank occurred. In an attempt to troubleshoot, I tried troubleshooting, as suggested by a CashApp representative unlinking and relinking my bank account to no avail. I connected my debit card, and the transfer still would not work. Thinking it was perhaps because I didn't have a Cash App Card, I completed sign up to receive this card still for the transfer to not work. 

In an attempt to further troubleshoot, I initiated a transfer of {$36.00} to a friend, rather than my bank account, and when presented with the option of sending from my Cash App Balance or My Bank Account, I chose Cash App Balance, but the transfer took {$36.00} from my Bank Account! 

I have reached out to support no less than 10 times since XXXX, in an endless cycle of my case supposedly being elevated to another department, waiting to hear back from them within a weeka time only to have my case closed, then having to call to reopen it again. It is now XXXX. The app always shows {$36.00} in my App balance, but I can not transfer it, as I am constantly told I have {$0.00} in my App balance. 

To make matters worse, I am seeing dozens of claims from others across social media and the internet with very similar complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX, this account has violated my rights.

15 USC 1681 section 602 states i have the rights to privacy 15 usc 161 section 604 a Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I opened a Premier checking account with HSBC. I went through a fraud  review, etc to open the account. A premier account is their highest level account a high net worth account. It requires either a minimum balance of {$75000.00} or electronic deposits of {$5000.00} per month. My account was opened on XX/XX/XXXX. The opening deposit was funded from my XXXX XXXX XXXX checking account in the amount of {$100.00}. This amount was deducted from my XXXX XXXX account on XX/XX/XXXX. On XX/XX/XXXX I deposited a life insurance check from XXXX XXXX life insurance payable to me with my home address on the face of the check. The check was for approximately {$6700.00}. The next day I went to log onto my account and it was frozen. I called customer service and they indicated the department I needed to speak to was not open on weekends they would call me back on Monday. On the XXXX I called HSBC. I was continually placed on hold and had to call back multiple times. I finally got a person that stayed on the line with me for over an hour while we tried to figure things out. Apparently the deposit triggered a fraud  warning. They wanted a copy of my drivers license and proof of address - again - all of this was provided a week prior to open the account. I provided what was requested. After over an hour on the phone I was told the account would remain suspend ed d for 5 business days for the check to clear. I have a few issues with this. I had never tried to access the funds in my account - there was no reason for the account to be placed on a full out fraud suspension. I can understand placing a hold on the funds, but not to allow me any access? I can't even tell you if the initial {$100.00} deposit was credited properly or if my electronic deposit of my paycheck was credited. The account is not accessible to me in any way. I never received a phone call an email or any type of communication. I tried to file an internal complaint. There is no method to file a complaint with HSBC - nothing on their website, nothing when you call. No one would transfer me to a department to file a complaint. Thus I filed one with the XXXX  on XX/XX/XXXX. To date I have still not had any resolution with HSBC or even the courtesy of a phone call. Thus I am now filing this complaint. I have done some research and it appears this is a common practice with HSBC. I am lucky in that I do not need access to those funds. However, there are others that have experienced this that do need access to the funds. I only opened thos account because it promised a {$750.00} bonus after meeting certain criteria. At this point I wish I had never opened the account. How is a customer supposed to meet the minimum balance requirements if they can not deposit checks? Why couldnt the bank contact the company the check was drawn on to verify its authenticity? I have been in compliance and risk management for banks for several years and have never seen a policy such as this where accounts are suspended for no reason other than depositing a check.
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 XXXXSC 1681. 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 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. XXXX ACCOUNT # XXXX ; XXXX XXXX BANK ACCOUNT # XXXX ; XXXX XXXX ACCOUNT # XXXX ; XXXXXXXX XXXX XXXX # XXXX ; XXXX XXXX BANK ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted 2 lender solve problems and they didnt work out they just keep telling me will contact me back but never I dispute with credit report is same problem and they told that I need contact company
Product: Payday loan, title loan, or personal loan

I returned the items purchased through Klarna and sent confirmation of refund several times. The company has tried to restart the payment plan 3 times! At this point its attempted theft.
Product: Money transfer, virtual currency, or money service

Dear XXXX, I transferred an international transfer from my account in XXXX  XXXX XXXX  from XXXX XXXX in the amount of {$15000.00} on XX/XX/year>. The transfer was tracked XXXX XXXX to a beneficiarys account in XXXX. The intermediary bank for the international transfer process was XXXXXXXX XXXX XXXX XXXXXXXX, and the transfer was rejected by the intermediary bank. XXXXXXXX XXXX XXXX XXXXXXXX as shown by the international transfer tracking XXXX XXXX from the date of XXXX, i.e. 11 days ago, but until now the amount has not been returned to my sent account, and when I contact my bank, the response is that Until now, we are waiting for the intermediary bank to return the transfer amount so that we can return it to your account. 
and XXXX answered " I confirmed that XXXX XXXX  XXXX, XXXX. ( XXXX ) was used as an intermediary in the transaction. XXXX received the funds on XX/XX/year>, and released the funds the same day to a second intermediary, JP Morgan Chase, for further credit to XXXX XXXX  XXXX XXXX. Please note, XXXX did not request nor require any additional information to release the payment. 
Our payment tracker confirms that JP Morgan Chase released the funds to XXXX XXXX  XXXX XXXX also on XX/XX/XXXX. I can not advise if JP Morgan Chase requested or required additional information. 
XXXX XXXX  XXXX XXXX rejected the payment on XX/XX/year>. We can not advise why the payment was rejected, as we do not have that information. Although the payment was rejected, XXXX has not received a return at the time of this letter. XXXX is not in possession of the funds. " And As mentioned by XXXX XXXX, the value of the transfer they sent to the JP Morgan Chase company to send it to the XXXX  XXXX XXXX, but they did not have any idea if they have the amount or still not refunded so we need to check with the JP Morgan Chase company and ask them about the where the value of the transfer now? Thanks for your understanding and support. 
Now, I need help and solve the problem and return the transfer amount to my account.