23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

As attached, I mailed in my payment/remittance coupon for {$500.00}. on XX/XX/XXXX. It was delivered USPS by way of certified mail with tracking number XXXX on XX/XX/XXXX. As of today XX/XX/XXXX, there has been no credit received or applied on my account for the amount of {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and seen there were accounts that does not belong to me. This is an act of fraud and the accounts on my report need to be deleted/ removed immediately. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - THE XXXX XXXX # XXXX - XXXX  XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

My wife and I closed on a house in XXXX, TN in XX/XX/XXXX. We utilized a conventional loan structure on a loan amount of {$250000.00}. At the time, housing prices in our area were increasing quickly due to tremendous demand. Our lender notified us that, once we had realized a gain of 20 % in equity based upon the increased market value, we would be able to drop PMI. 

Since XX/XX/XXXX, housing prices in our neighborhood have continued to climb at a rapid rate. The XXXX housing market has proven to be one of the hottest in America. We currently pay $ XXXX in PMI, so freeing ourselves of that payment has become a top priority. We have made XXXX payments on the loan and have never been late on a payment. A comparable home sold on our street and, using the price per square foot that it sold for, we would have realized a 20 % gain in equity. I will attach that information, along with other comparable home selling prices, in the attachment portion of this complaint. 

We have added a 16 ' x 20 ' wooden deck to the back of our house. We have also added a 6 ' tall wooden privacy fence around our enormous back yard. 

Once we closed on our home in XX/XX/XXXX, our lender sold our loan to a company called Amerihome.  In earlyXX/XX/XXXX, I reached out to Amerihome to find out how I began the process of dropping PMI from our monthly mortgage payment. The responded with a letter that stated : " PLEASE NOTE THAT WE CAN ONLY CONSIDER THE INCREASED VALUE OF THE PROPERTY DIRECTLY RELATED TO THE IMPROVEMENTS MADE. WE CAN NOT CONSIDER INCREASED VALUE RESULTING FROM MARKET CONDITIONS. '' Amerihome went on to state that, if I wanted to continue with my petition for dropping PMI, I would need to order an appraisal through them. I would need to send a check for {$470.00} directly to their office. 

My complaint stems from wanting to know my rights in this situation. Should Amerihome recognize the increase in market value as realization of equity? If I sold this house right now, I would not entertain any offers below {$33000.00}. Should I be forced to use Amerihome 's appraisal company? One would think it would need to be an unaffiliated appraisal company. 

I have attached below four items : 1 ) The response letter from Amerihome 2 ) A list of comparable homes ( along with selling prices ) that have recently sold in my neighborhood 3 ) A picture of the deck that we added 4 ) a picture of the fence that we added
Product: Credit card or prepaid card

My phone with a wallet attached on the back was lost/stolen on XX/XX/2021. Both the password for my phone and pin for my debit card are the same. There was several transactions posted that was not authorized by me. The first charge started on XX/XX/2021 for a wire payment amount of {$2000.00} via XXXXXXXX XXXX Unfortunately I wasn't able to see this initial unauthorized payment until my phone was stolen forcing me to anaylze my entire account realizing the charges might be by the same person. More transactions posted for {$2500.00} on XX/XX/2021 and {$1900.00} on XX/XX/2021 Also 4 atm {$500.00} withdrawals. I've contacted SunTrust but they have no answers for me and no resolution yet, I've now filed a complaint with CFPB and writing another letter to SunTrust now to back my claim.
Product: Checking or savings account

This is a report to the Consumer Finance Bureau against Wells Fargo for closing my accounts they also closed my accounts and are participating in illegal buisness activities by notating things thats not true to keep me from having other accounts at other banks. I would like to know why Wells Fargo is participating in illegal buisness activities by notating things that are not true to keep me from having other accounts. I would like to know what falsified things Wells Fargo is reporting to other banks and demand that it be removed. This is also a discrimination complaint against Wells Fargo for not allowing me to reopen my accounts and its employees that participated in harassment and discrimination against me. I would like to request that Wells Fargo allow me to reopen accounts for myself for personal reasonings. I would like to know what Wells Fargo is reporting to other banks and if I would be able to reopen my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My new employer information is not on my credit file it only has my previous employer information.
Product: Debt collection

I am in the process of purchasing an automobile for my business and was concerned on why I am getting denied due to my excellent payment history. I decided to check my credit on www.experian.com. 

Upon checking my credit report today XX/XX/XXXX I noticed a collection account from XXXX which states it was opened on XX/XX/XXXX and is a XXXX account. which is {$3.00}, XXXX past due as of XX/XX/XXXX. I attempted to contact the company on their website https : //rentrecoverysolutions.com/ to dispute the inaccurate information to no avail. There was not a dispute label or contact method available to dispute immediately. 

This account does not belong to me. The original debtor is XXXX at Champions per my XXXX credit report. I also noticed additional name spellings and also addresses and phone numbers that are NOT mine. 

I have never resided, nor heard of such community. I've resided at my residence since XXXX which is a house and do not have need for an apartment. 

Below you will find an energy bill from XXXX which has my current home address, a copy of my lease agreement and a copy of the negative item on my credit report.
Product: Mortgage

I have reached the 80 % LTV threshold to remove PMI. Roundpoint is refusing to remove the insurance until XXXX. This seasoning requirement violates my rights under the homeowners protection act. I mailed and faxed my request on XX/XX/XXXX but round point has not acknowledged.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft. Fraudulent accounts and unauthorized information remain on my credit reports despite multiple disputes filed with the credit bureaus. These accounts were opened and reported under my name and Social Security number without my knowledge or consent. I have submitted an FTC Identity Theft Report and supporting documentation to confirm this fraud. 

The accounts that remain unresolved are : XXXX XXXX  XXXX - Account ending in XXXX XXXX - Account ending in XXXX XXXX - Account ending in XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX XXXX - Account ending in XXXX XXXX XXXX - Account ending in XXXX XXXXL XXXX - Account ending in XXXX XXXX - Account ending in XXXX Despite my numerous disputes and repeated submissions under the Fair Credit Reporting Act ( FCRA ) Section 605B, the credit bureaus have failed to block and remove these accounts within the required timeline. Additionally, incorrect addresses, name variations, and other personal data associated with these accounts continue to appear on my reports, further compounding the damage caused. 

This continued reporting of fraudulent information violates my consumer rights and has caused severe harm to my financial standing, mental health, and overall trust in the credit reporting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express have a collection or listed a credit cards I have never used. 
This is wrong and not be on my credit report.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Remove this following collection account immediately : HARRIS ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$6800.00} HARRIS ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$160.00} HARRIS ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX. I am filing this complaint for my self and it is NOT a duplicate complaint. 

Experian has been inaccurately reporting an account with XXXX XXXX XXXX XXXX. Transactions and Experiences should not be reported without my written consent. Furthermore Experian failed to correct the inaccurate information or delete the account per a previous dispute. 

The XXXX XXXX XXXX XXXX account is reporting a charge off in XXXX of 2018 and a repossession in XXXX of 2018. This reporting is inaccurate. There were payments made in between XXXX and XXXX that have not been reflected on my consumer report. Instead adverse information was placed on my report which has caused me damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently saw two fraudulent credit card accounts on my Equifax credit report. I spoke to fraud/disputes department on XX/XX/2022 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back today XXXXand representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two XXXX XXXX accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus. I asked for an supervisor and was on hold for over 30 minutes waiting. The XXXX XXXX accounts were not mines, and I was a victim of identity theft, which there is an alert on my credit profile.
Product: Credit card

Chase Bank just closed all of my credit cards with them, 2 of which have my oldest credit history, and 1 of them was just opened 2 months ago with a large credit limit. I have not had any 30 day+ late payments, I paid the balances in full up until 3 months ago. Business is slow for about 4 months during this time of year, so I was going to only make minimum payments for the few months and then pay in full once I get through the dry season.

They cited their reasons as high balances ( again something that only happened in the last 3 months with balances paid in full much longer than they were not ) and the recent 4 credit pulls. Regarding the credit pulls, I have not applied for any new credit for over 3 years. I have started to travel a lot and decided to apply for different travel cards to find the one that gave me the most benefits. But again, there have not been any late payments, I have not had any of the cards go into default, and they continue to send me offers to bring over my balances and investments that I have with other institutions to their bank. If they had let me know the cards were at risk, I would have paid them all off in full. That would not have been a problem. But instead they just closed them without any notice. The fact that banks are allowed to cause such financial harm to consumers is criminal. 
This has dropped my credit score SUBSTANTIALLY. Not only did it hurt me to loss the credit lines, I lost my oldest payment and credit history. I will now experience financial harm by having to pay higher interest rates for anything I do moving forward because I have lost all of my credit history. This is completely unjust and banks should not be allowed to get away with this.

They could have even just lowered the credit limit but to completely close the accounts?!!! It will take me YEARS to recover my credit from this.

I did not find out the accounts were closed until I logged in to my accounts. There were no notices in the message portal ( other than offers to bring my balances over ). I only got the information from a representative verbally when I called in to find out why the accounts showed closed. The only solution they offered me was to have my credit pulled to reopen the 4 cards, INDIVIDUALLY FOR EACH CARD. So yes, 4 additional credit pulls after closing the cards BECAUSE OF 4 CREDIT PULLS. I would find this comical if it has not hurt me so much.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 my friend XXXX was getting ready to move from XXXX to XXXX where Im at. I was sending him money for Gas and food for a hotel for a night. I told him i could send him {$400.00}. XXXX XXXX has outrageously huge fees so did XXXX XXXX and a friend mentioned XXXX. So I signed up. Had a to send in my phone bill to them to verify the number was mine because the number was on an account already. It was released I was able to sign up for account I added my debit card I added my bank accounts. Ive verified my identity I verified the accounts, So I sent XXXX the {$400.00}. He was having a hard time being able to accept the payment. But it was sent to him he was having technical issues With being able to accept a payment. I got on a chat with a XXXX specialist or customer service person And they confirm the payment was sent. Finally hes able to sign up for account and he goes except payment and it says that I canceled itAnd I didnt cancel it so I got back on chat again and was told the payment was canceled and the money will be returned to me. They stated that they wouldnt disclose what reason it was cancelled or why they lied and said i cancelled it. And all of this was within 20 minutes of me making the payment. So I made the payment through other ways. XXXX still pulled the money out of my account even though they they cancelled it. The payment cleared the bank and came out so because I had given money elsewhere to XXXX for the payment I was overdrawn in my account now {$170.00}. I got on chat with them again and was very upset I sent them a screenshot of my bank statement to show them the transactions and they credited my account for the overdraft fee of {$35.00}. After they gave me the credit that they turned around and froze my account so Im not able to withdrawl the money. Even though the money is then reimbursing me for a fee they cost me they said that I am now permanently deactivated that I violated a user agreement rule. I used XXXX for what XXXX is forAnd thats to send money to friends and family. I used my own bank account and everything is verified, sent them a copy of my ID thats valid and current. That payment they werent supposed to take since they cancelled it but did anyways cleared. Now they say the funds are on hold for 180 days because their loss prevention and fraud places were flagged. Ive yet to get the money back i cant think of a single thing i did to violate a term of condition or how fraud at all is even involved. It sounds like a scam and its discrimination and they stole from me and now said they can not offer any further assistance. Ive yet to recieve the {$400.00} they said they were sorry for and supposedly sent back. They admitted to pulling the money by mistake i have the chat logs so there should no reason why my account was frozen or now permanently deactivated or why lose prevention would be holding any funds. XXXX XXXX an account specialist is the one who is behind it.
Product: Mortgage

Truhome solutions from XXXX ks. One year they failed to pay XXXX home owners insurance from my escrow account resulting in me nearly losing my insurance. I paid it from my personal account to prevent not having issuance. According to XXXX the bill was sent and payment never received. Last year I switched to XXXX XXXX XXXX which had a lower yearly rate and they sent the wrong amount out of my escrow account. They sent what XXXX was charging to XXXX XXXX  and the difference was about {$600.00}. This year I switched to XXXX and I paid directly out of my personal bank account. I contacted Truhome spoke to customer service informed them of new policy obtained an email address to send me policy advised them I paid in full and they only needed to file the new policy NO PAYMENT needed. I was given a new escrow analysis and refunded the overage at that time. After this, they turned around and sent XXXX payment from my escrow account. I got a refund from XXXX, had to deposit it and then pay back my escrow to avoid my payment going up about {$110.00} for XXXX. This company is HORRIBLE at servicing loans. Time and time again they continue to mess around with my escrow and make my monthly payments go up. At this point ( 3rd time ) I do believe it is intentional. I am requesting oversight by the government to look into this company and their practices. It would be very easy for this company, with their current fraudulent practices to create a delinquency issue for someone who hasn't been watching them closely. Have they done this to others? How many times have they failed to pay insurances allowing them to choose the insurance company? Are they receiving kickbacks from insurance companies in this practice? How many other accounts are they suspiciously fluctuating their monthly payment? How many of these cases resulted in foreclosure? These are some questions I have about this company. Please look into my case in particular and see if this looks odd to you. It has happened 3 times since they took over.
Product: Debt collection

Supposedly this is for a   XXXX   XXXX   card debt of {$50.00} from five years ago.
# on my caller id was :  XXXX  Person I spoke with IDd himself as :   XXXX   XXXX   The address he gave to his office is ( written dispute ) :   XXXX   XXXX   XXXX  ,  XXXX , VA  XXXX  He refused a verbal cease. He also demanded the reason why I disputed the balance other than I dispute. I told him I disputed the balance and to send validation. He denied to do so stating I need to make a written request to the above address.
He denied a cease request by phone and told me I had to do so by written request to another address. I refused to take it explaining I do not have to make a written request for their company to cease calling me. He kept stating that he was only trying to help me and asked me to take down a different address to cease. I declined, and told him I know my rights and I do not have to make a written request to your company to cease, and any further attempts to contact me will be harassment and a minimum 1k fine. I ended the call.
I asked him on numerous times if the call was recorded, and he stated it was. ( doubtful in my opinion ).
Product: Debt collection

Disputed derogatory in writing to XXXX  who failed to comply with Fair Credit Reporting Act and Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 validating Portfolio Recovery Associates in excess of 90 days.
Product: Debt collection

I had gone to an ER for treatment on XX/XX/XXXX. I was billed twice for this visit. One came from the hospital to my current address and I paid my portion after they submitted it to my insurance company. The other came from the doctor/ER and that was sent to an address I hadn't resided for over 10 years. I didn't learn about this other bill until I checked my credit report in XX/XX/XXXX and discovered it had been sent to a collections agency ( Elevate Recoveries LLC ). After speaking to the agent, she said they tried to contact me ( at the old address/phone number and I had no knowledge anyone was trying to contact me ). I tried to explain the hospital made an error and should have sent that bill to my insurance company instead of billing me directly. The hospital never went through my insurance company. Again, I tried to explain that I knew nothing about this and the agent said it was too late to dispute this and I had to pay the amount of {$1000.00}. Although, she did add they would settle it if I paid less ( around {$700.00} ). Since I wasn't getting anywhere with this agent, I contacted the company that sent the bill to collections ( XXXX XXXX XXXX XXXX ). I explained to them that they did not submit the bill through my insurance company as they should have. Since this was billed in XXXX, the woman helping me wasn't able to do much anything else. I contacted my insurance company and explained all of this to them. That same day ( XX/XX/XXXX ), my insurance company sent a Certificate of Coverage to XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX confirmed they received it on XX/XX/XXXX and sent notification to Elevate Recoveries LLC that it was being handled by my insurance company. Elevate Recoveries LLC still has the collection amount of {$1000.00} listed on my credit report. I have tried talking to them on several occasions but they keep transferring me to the same agent assigned to my case. I tried explaining this to her but all she would say is that I had to pay it and it was too late to do anything else. She would not let me speak to a supervisor when I requested to do so. I feel that I can not reason with them so I am reaching out to you for your assistance in clearing up this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Reporting act XXXX  Account XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer Credit plan as late for and purpose