23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In early XXXX  I contacted PHH mortgage via phone to inquire about the removal of PMI ( private mortgage insurance ) on my home, as I believed due to a combination of local market trends and home renovations the home had increased in value placing it below the 78 % loan to value threshold required. They informed me via a written letter that I needed to submit a payment of {$100.00} to pay for a brokers price opinion to determine the value of the home to be considered for PMI removal. I submitted the requested payment and information and the check was deposited by PHH mortgage XX/XX/2022. This was reflected in the PHH online web portal records for my account. 

Following the deposit of that payment a third party vendor contracted by PHH, XXXX XXXX, reached out to schedule an inspection of my home for the broker 's price opinion. The inspection was performed by a contractor of XXXX XXXX on XX/XX/2022 and the final report was delivered to PHH mortgage on XX/XX/2022. ( I was informed of the XX/XX/XXXX submission date from a customer service representative of XXXX XXXX ). 

Following the submission of the XXXX report, I received no communication from PHH mortgage whatsoever and on XX/XX/XXXX I was charged for PMI on my mortgage account. After being charged for PMI again on XX/XX/XXXX, I called the PHH customer service line to inquire about the status of removal, and they confirmed receipt of the report and said that I would receive a letter within 5 business days that my PMI has been successfully removed. I received no such letter, and still have not more than 30 days later. I called again on XX/XX/XXXX to request a status update and was told they would be looking into it- but heard nothing, received no letters, and was charged again for PMI on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/2024, regarding the inaccurate negative accounts on my credit report. Despite my repeated attempts to resolve this issue, these erroneous entries persist, reflecting poorly on your organization 's credibility and violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

I have been waiting on my direct deposit since Thursday and they said that the issue would be fixed by today. It is now XXXX XX/XX/XXXXXXXX and I still dont have my paycheck. I have bills to pay and things to do. Please help me
Product: Debt collection

It has come to my attention that multiple late payment accounts continue to plague my credit report, causing significant damage to my financial standing. This blatant disregard for the truth is not only an egregious violation of the Fair Credit Reporting Act ( FCRA ) but also an affront to the principles of accuracy and accountability. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. This is to express my extreme dissatisfaction and outrage at the persistently inaccurate reporting on my credit file maintained by your bureau. 
XXXXDOFED XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and comprehensive investigation into the presence of these inaccurately reported late payment accounts, and I insist on their prompt removal from my credit report. It is inconceivable that your bureau continues to allow these errors to persist, causing undue harm to my creditworthiness. The negligent and irresponsible behavior exhibited by your bureau is unacceptable, and I will not tolerate any further delays in addressing this matter.
Product: Money transfer, virtual currency, or money service

Multiple direct debit transactions taken out of my account automatically by cashapp, while my card was locked.
Product: Vehicle loan or lease

On XX/XX/XXXX, I called American Credit Acceptance again to ask to look over and send copies of any repossessions, balances they stated on all 3 major credit reports. I also contracted for 72 terms but ACC has inaccurately stated 80 terms on reports. Inaccurate balances, some payments not noted when compared to bank statements, interest rate is more than agrees upon because the principal in interest is being left off or not applied when it should have. This company has ballooned interest payments and trying to make me pay another {$9500.00}. XXXX for a cash payment of a XXXX vehicle, in which I have already ready American Credit Acceptance over {$33.00}, XXXX as of XXXX, XXXX. My loan for a XXXX XXXX XXXX vehicle has been charged more than 16 % interest rates on this loan. American Credit Acceptance has caused violations for damages and violations that allow rescission. American Credit Acceptance violations are the improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures, changed the terms after contracted, American Credit Acceptance mangers also gave different names to keep me from documenting their names, after, I stated I was documenting phone calls. There are so many inaccuracies and fraudulent activity with this loan. I am tired of it and demanding Restitution.
Product: Money transfer, virtual currency, or money service

About three years ago, I was applying to take my official drivers license test before the age of XXXX. In California, legally, this man that I had to take classes with the XXXX XXXX hence I wanted to pay for the service. I received a phone number from the driving instructor, which was the fault of the instructor, however, as I plan to send the funds using my dads XXXX XXXX XXXXXXXX account, we received no warning or no caution concerning protecting the rights of their clients. Therefore, in the mess of the situation, I lost {$600.00} for wrong person. Due to this, Zelle mentioned that they can not do anything to help the situation, and the man can not do anything to help us, but only offered a discount in which we would pay XXXX instead of XXXX but still, it was expensive.
Product: Credit reporting or other personal consumer reports

On Thursday, XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX XXXX. They checked my credit and provided a pre-approval. On Friday, XX/XX/XXXX around XXXX, I received the first solicitation phone call from a local mortgage broker stating that they saw that I was searching for a mortgage and would I like to apply with them. After determining the reason for the call, I told the representative that I wasnt interested and to remove me from their call list. No less than a minute a later, I received the second call from a different lender. Since XXXX XXXX, I have received almost 100 calls from lenders across the country. Besides being annoying, these incessant calls have completely disrupted my life. Calling from the time I awake until well past dinner time, the calls have interrupted my life including time with my family, a wedding reception, church and other moments that shouldnt be interrupted by someone whos trying to sell me something. Please provide advice on how to rectify this issue. I cant get my time back but Id like something to happen.
Product: Credit reporting or other personal consumer reports

BOA reported payments late while going through housing assistance through CARES ACT. When contacted they said there is nothing wrong and that they don't know anything about CARES ACT I have filed another complaint with CFPB and they seem to have done a real attempt to investigate but turned up wrong information. They claim my relation with HAF has ended in XXXX, XXXX and so my CARES protection has ended than to. However that is wrong, BOA themselves sent me a letter confirming that it has ended on XX/XX/XXXX. That lines up correctly, as the last payment was issued on XXXX, XXXX and my communication with them went on through XX/XX/XXXX. Please see attached evidence.
Product: Debt collection

There is a derogatory mark on my report from Bank of American in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I was approved for a line of credit for XXXX XXXX CREDIT CARD SERVICES. XXXX XXXX CREDIT SERVICES failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX CREDIT CARD SERVICES is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX CREDIT SERVICES defaulted on the letter. I am the original creditor and consumer. No code in XXXX law states that a consumer must pay a monthly statement or bill. XXXX XXXX CREDIT SERVICES is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX CREDIT SEVICES contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX CREDIT SERVICES with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and XXXX  docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card

I APPLIED FOR A MACY 'S CREDIT CARD AND PURCHASED XXXX ITEM WHEN I GOT MY APPROVAL IN THE AMOUNT OF {$53.00}. I WAS INFORMED THAT I WOULD RECEIVE MY CARD AND THE STATEMENT IN THE MAIL. I WAITED AND WAITED AND DID NOT RECEIVE ANYTHING. THEREFORE, I WENT INTO MACY 'S AND ASKED THEM TO PULL UP MY ACCOUNT. I TOLD THEM THAT I OWED THEM MONEY AND WANTED TO PAY OFF MY ACCOUNT. THE CUSTOMER SERVICE PERSON WAS NOT ABLE TO PULL MY ACCOUNT AND STATED THAT I DID NOT HAVE AN ACCOUNT WITH THEM. UPON LOOKING AT MY CREDIT REPORT, I REALIZED THAT MACY 'S HAD REPORTED ME TO THE COLLECTIONS AND IT WAS SHOWING ON MY CREDIT REPORT. I DID SOME RESEARCH FOUND A CUSTOMER SERVICE NUMBER TO CONTACT AND WHEN I DID, THEIR RESPONSE WAS THAT THEY MAILED OUT THE CARD AND THE STATEMENT AND CONFIRMED A CORRECT MAILING ADDRESS FOR ME, BUT FOR SOME REASON BOTH THE CARD AND THE STATEMENT WAS SENT BACK TO THEM AND THEY NEVER CONTACTED ME TO ADVISE ME OF THIS MATTER, EVEN THOUGH I HAD PROVIDED THEM WITH ALL CORRECT INFORMATION. THEY WANT ME NOW TO PAY THE BALANCE OFF AND THEN TRY TO DISPUTE THIS MATTER SO THAT THEY CAN CONSIDER REMOVING IT OFF OF MY CREDIT REPORT. I WOULD LIKE THIS MATTER INVESTIGATED SO THAT I CAN CLEAR UP THIS MESS AND HAVE IT REMOVED FROM MY CREDIT REPORT AT ONCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  continues to report invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ). In addition to furnishing 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. 

On XX/XX/XXXX, I disputed the account through the credit bureau, XXXX and XXXX XXXX XXXX XXXX XXXX  responded, " Account information disputed by consumer, meets FCRA requirements. '' On XX/XX/XXXX XXXX XXXX XXXX XXXX furnished inaccurate information without my knowledge or consent to a debt collection agency, MIDLAND CREDIT MANAGEMENT who have since demanded a payment of {$1500.00} Subsequently, on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  furnished inaccurate information without my knowledge or consent to a debt collection agency, MIDLAND CREDIT MANAGEMENT who have since demanded a payment of {$890.00}. 

This action constitutes fraud under 15 U.S. Code 1681s215, U.S. Code 1692, federal and state laws. Due to the negative mark found and continued to report on my credit reports as of XX/XX/XXXX.
Product: Prepaid card

I was given three American Express prepaid credit cards ( {$100.00}, {$50.00}, {$50.00} ; only one card # is provided below and I can provide the others as needed ), but no vendors that I can use appear to accept them. I tried XXXX, XXXX, and XXXX. In addition to a regular XXXX purchase attempt, I also tried using one card for top-up my XXXX purchase XXXX. The amount {$0.00} was deducted from my card balance, but the transaction failed. 

I researched this issue online, and it appears to be a widespread problem with AmEx prepaid gift cards. Many users spent hours on the phone with AmEx, but without success in being able to spend their money and recommended seeking redress though the CFPB. Many of these experiences occurred over six months ago, so AmEx has clearly not resolved this structural issue, which looks intentional at this point.
Product: Credit reporting

Transunion has listed negative information on my credit report that is not true. I do not owe XXXX XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX any money.
Product: Checking or savings account

On XX/XX/XXXX, I opened and funded a Chase account at the direciton of a Chase Private Client Banker. He submitted the request successfully and tracked it through the required time ( 90 days ) until it was scheduled to pay out. At the payout time, he informed me that he made a mistake, and that my account does not qualify. I want Chase to honor what this Banker promised me and award the $ XXXX bonus asap.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX  or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX 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 Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged XXXX XXXX not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

They violated the fair credit reporting act ( FCRA ) 15 U.S.C. 1681i which mandates a reasonable investigation of disputes furthermore experians, actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Experian 's compliance with federal law and provides consumers with necessary proof of investigation
Product: Mortgage

On XX/XX/year>, my home was XXXX XXXX due to a neighbor 's negligence. This XXXX  caused my home to be a complete and total loss. I had worked with the insurance and builders to get ready to begin the rebuild of my home. Everything with my insurance company and the builders was SEEMLESS. When I obtained the check from the insurance company, I reached out to Mortgage solutions insurance claim team to obtain all of the steps required to make sure things went smooth. Mortgage solutions is filled with liars and thieves. I the received my check on XX/XX/XXXX, XXXX they TOLD ME, " Nothing else is needed from you will receive 25 % of the funds equally XXXX in about 7 business days ''. THAT NEVER HAPPENED. I called them back multipleXXXX. They NEVER contacted me never sent me any letters or anything on what this process with them consists of. If I don't call them, they don't say ANY THING. They this week told me that now BUILDING PLANS are needed for this process. it's almost going to be a month since they pocketed MY money and NOW, they are saying that is needed. they also say that actually the cap to release funds is only XXXX. XXXX gets a builder NO WHERE when building a home! They told me I needed to have the builders send a payment schedule so they can get paid. I had my builders call in ( and yes, I had paperwork sent in giving them authorization to speak on this situation ). When they called in a day after I tell them about needing a payment schedule, they were told, THAT WAS NOT NEEDED. This company is operating in bad faith. They are withholding funds possibly, to gain interest from money that is to be used to rebuild my home. In SC the law requires a mortgage company to provide in writing all of the requirements of release of funds in a situation like this. They have failed to do so. I've lost everything I own, and this company is stealing the rest. mortgage solutions financial is the rebranded company of XXXX XXXX XXXX that have been sued MANY times for stealing customers insurance money and they are doing it again!
Product: Prepaid card

I received an AMEX gift card from my employer. I have successfully used the card to purchase an extended date on XXXX XXXX but that was the only time. Now I find I can't use these cards anywhere. 

These virtual cards are declined online and in XXXX XXXX XXXX XXXX, at restaurants and grocery stores, or XXXXXXXX XXXX - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund. 

This system seems designed to skim a XXXX XXXX from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their card. My money is inaccessible. All I want is the total balance on my cards in cash/check. 
This is the card detail : XXXX XXXX : XXXX XXXX : XXXX Expiration Date : XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number.i am a victim of identity theft/data breach.i contacted the federal trade commission and filed an ftc report numberXXXX which is attached.please block remove all negative accounts listed below from my credit report and send me an updated copy of the credit report.i have submitted numerous dispute letters and you have taken advantage of my federally protected rights under15u.s.c1681c2. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance $ XXXXon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy acount # XXXX balance {$1400.00} on XXXX equifax and experian ( XXXX XXXX XXXX XXXX XXXX account # XXXX balance {$26000.00} on XXXX  and equifax ( XXXX XXXX XXXX XXXX XXXX XXXX acount XXXX XXXX  balance {$6500.00} on equifax and XXXX please block delete the aforementioned accounts within XXXX business days of receiving this complaint in accordance to 15 usc 1681c-2 the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days.failure to respond satisfactory will result in a small claims action against your agency.i will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each per 15 usc 1692k : 1.defamation of character. 2.neglegent enhancement of idenity fraud. 3.violation of the fair credit reporting act 4.violation under 15 usc code 1681o-civil liability for negligent non compliance. 5.violation under 15usc 1681n ( b ) civil liability for willful non compliance.i am enclosing a credit report from today that has all of the inaccurate inconsistent incomplete information being reported highlighted.it is the data furnishers responsibility to report 100percent accurate information of delete from my file because it is severely hurting me from obtaining a new home and a car.i am fighting stage XXXX XXXX and need to be able to go to the doctor, and pick up my kids from school.i demand a proper investigation.when ever a consumer report containing any negative information being reported with out my written consent is considered identity theft and I never authorized any of these accounts to be opened or reported.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation of disputes. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consume Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file no. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumes with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail that I was sent to collections. I immediately took actions and got a copy of my credit report to see why this was reflecting on my credit and why in the world this collection bill was under my name. My identity has been compromised and I need these fraudulent items off my report.