23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company has made it nearly impossible to get an appraisal and remove my PMI. This summer my house value went up and I wanted it removed. Since then they have repeatedly ignored me until I called and questioned where they were in the process. They once even changed one of my pending payments and almost made me miss a payment. I want a reimbursement for the amount I have paid since my first contact with them about the issue. 

Details : XX/XX/XXXX Sent an email asking to know what would be needed to remove PMI. I was given a ticket number and told to allow 5 business days to respond. THEY NEVER GOT BACK TO ME. 

XX/XX/XXXX I called Loancare asking what happened to my ticket. They told me something happened and it was never noticed. They reopened the ticket. I knew that I needed an appraisal to remove my PMI, but I was told that they needed to try to remove it using the original home value to balance, after which if I needed an appraisal they would send me a letter. I told them that was stupid and to just order the appraisal, but was told legally they could n't without the process. I sent an email so they had written approval, that as soon as they tried to remove the PMI using my original home value and failed I wanted the appraisal ordered. 

XX/XX/XXXX Loancare sent the same letter twice, IGNORING what I had requested. The letter told me that based on my original home value I could not remove PMI. At that point, I would need to send a check in the mail for {$420.00}. Once that was received they could then order an appraisal. No other way of payment was offered. 

XX/XX/XXXX I called and asked if I could pay for the appraisal online since I did n't trust them to get a check in the mail. INSTEAD of charging me, THEY CHANGED MY HOUSE PAYMENT from XX/XX/XXXX to the cost of the appraisal. IF I HAD NOT NOTICED AND MADE A NEW PAYMENT I WOULD HAVE MISSED A PAYMENT! 

XX/XX/XXXX I called and was told that the appraisal was paid for but never ordered. They ordered it that day. The appraiser came on XX/XX/XXXX. I was told that someone would call me about reimbursing me from the date I had contacted them about this but never received a call. 

XX/XX/XXXX The website updated to show the new home value, but the PMI page is not updated and still had n't on XX/XX/XXXX to show the new ratio, or have it removed.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$890.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX Experian : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$890.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$210.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$4.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$620.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX {$890.00} XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account after having several transfer issues leading to refunds and they will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. This happened in XXXX XX/XX/2021. Basically I would transfer personal funds. During my first days all would go well. Unfortunately some transactions later, PayPal would first give me error messages then later would send but on the receiving party they would not receive anything. This would result in me requesting for a refund after agreement with receiving party. It went on and on and unfortunately my account shut down before i could reach out to PayPal. It had approximately {$48.00}. Im currently in XXXX and {$48.00} is quite a lot here hence it was a huge blowout to me. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 3 years ago I received a loan from Navy Federal Credit union to purchase some appliances. Due to some unforeseen events I defaulted on the loan. Recently I settled the account. I started applying for a mortgage and noticed Navy Federal Credit union had this account coded as a mortgage. This loan nor any loan I had with Navy was tied to a home or was secure. The loan was for appliances but no collateral was identified when getting the loan. In XX/XX/2020 I disputed this information with XXXX  and Transunion both said Navy verified the information. In XX/XX/2020 I sent Navy a letter requesting they update my credit report to reflect this loan as an installment loan not a mortgage because it was not a mortgage. I am in the process of trying to get a mortgage. My credit report has been pulled multiple times and every time I try to obtain a mortgage, I am being told that I am ineligible because of a short sale. The way Navy Federal is reporting the account it makes it looks like I settled a defaulted mortgage not a defaulted loan. This account is hindering me from obtaining a real mortgage. When I contacted Navy they provided me with a statement that said the loan was an installment loan not a mortgage but they continue to code this account as a mortgage on my credit report. Please see attached
Product: Credit card or prepaid card

I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.
Product: Credit card

Bought vacation package by paying with Citi credit cards, had problems with merchant and disputed the transaction. After a month Citi cards wrote me official letter stating they can not help me with my dispute. Spoke with many supervisors but noone seemed to care about my problem and just told me to deal with merchant myself. Never had that kind of issue with XXXX XXXX or XXXX card. 
Very horrible way to loose a loyal costumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Bureau, I am writing to file a strong complaint regarding the recent closure of my account with Wise. I reported to Wise about a scam that had happened to me a few days ago, but instead of taking appropriate action to resolve the issue, they closed my account without providing any reason. 

As a customer, I believe it is my right to be informed about the reason behind the closure of my account. I have not engaged in any fraudulent activity or violated any of the terms and conditions of my account, and I am deeply concerned about the sudden and unexplained closure. 

I am extremely disappointed with the lack of communication and support from Wise during this incident. As a financial institution, they have a responsibility to protect their customers and help them resolve any issues that may arise. Instead, they have chosen to close my account without any warning or explanation, which has caused me significant inconvenience and frustration. 

I urge you to take immediate action and demand that Wise reopens my account as soon as possible. I expect a timely and satisfactory resolution to this matter, and I hope that Wise will take steps to ensure that this kind of situation does not occur in the future. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX TransUnion Dispute Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Dispute of Account Information for XXXX XXXX XXXX ( # XXXX ) Dear TransUnion, I am writing to dispute inaccurate information on my credit report, which I accessed on XX/XX/XXXX. The following account details under XXXX XXXX  appear to contain errors that must be corrected immediately : Original Creditor : Incorrectly lists XXXX XXXX. 
Balance : Displays {$1300.00} as of XX/XX/XXXX, despite being listed as paid off in the same report. 
Status : Missing clarity about the status of the account, as it reflects conflicting data ( Paid Off and still showing a balance ). 
Payment History : No payment history provided, which makes it impossible to verify reported data accuracy. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which requires information reported on credit reports to be accurate, verifiable, and complete. Please investigate and address the following : 1. Confirm the original creditor and clarify whether the account was transferred or sold.

2. Correct the balance to reflect the true status if it is indeed Paid Off.

3. Verify or provide complete payment history for the 24 months referenced.

Enclosed, I have included supporting documents : A copy of my credit report highlighting the errors. 
Any relevant account statements that substantiate my dispute. 

I kindly request that you resolve this dispute within the legally required 30 days and notify me of the outcome. If the disputed information is found to be inaccurate, I ask that you promptly update my credit report and provide me with an updated copy. 

If you need additional information from me to complete your investigation, please contact me at the information listed above. 

Thank you for your attention to this matter. 

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

I Identified information on my report that are a result of identity theft. Please remove personal information That i do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people.

These are clear violation of my federally protected consumer right. 


Please See Attachment
Product: Debt collection

Today, XX/XX/2020 I received two ( 2 ) letters from Capital One after CFPB had contacted it. However, the said letters state Capital One was unable to contact me by mail. That is not true. Why did I recently receive the two said letters via mail? Then the states to contact Capital One Online Banking Department. I have done so several times and no tangible, corrective results. I must either locate a branch of Capital One that will only take cash, not debit card. Online rejects me as usual. Someone in administration at Capital One must contact me to assure corrective action will be taken and applied. 

Thank you CFPB for involving in this matter.
Product: Checking or savings account

I have been a victim of Identity Theft since XXXX. Accounts were open using my personal information in various states. I have been in constant contact with the Fraud Departments at XXXX XXXX, USAA, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX concerning fraudulent accounts at each. XXXX XXXX actually investigated. They discovered it was fraud. They told me in writing that everything has been deleted and I no longer am responsible for the debt. However the debt amount has not been removed and still shows that I owe. My business on XXXX is suffering because I can not qualify or take advantage of certain perks of having a business on XXXX because they use XXXX products. And XXXX did not follow completely through with removing the debt despite writing me and telling me so. I intend to file a lawsuit against XXXX XXXX. 
USAA, XXXX XXXX and XXXX XXXX XXXXXXXX have all been uncooperative and silent. Despite me providing both with documents and police reports they are attempting to victimize the victim. 

15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information 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 It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be fumished on my consumer report as they are in VIOLATION Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN GENE Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN 1,711 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. WHEN NO CONSENT IS GIVEN THIS IS CALLED IDENTITY THEFT. As a consumer and victim I am demanding the deletion of any and all information pertaining to the fraudulent accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and USAA be deleted MMEDIATELY.
Product: Credit card

On XX/XX/2023 three ( 3 ) separate charges, each in the amount of {$1300.00} were made in the XXXX XXXX in XXXX, Florida ( Store Number XXXX ). When I noticed these fraudulent charges when I checked my online banking app on XX/XX/2023 I went to my nearest Wells Fargo bank branch. I worked with a banker to report this fraudulent activity to the fraud claim department. The credit card used for these transactions ( ending in XXXX ) was immediately closed. A few days later I received a new credit card in the mail. 

I never received any follow up from Wells Fargo about the status of this investigation. On XX/XX/2023 I called Wells Fargo and they told me that the investigation was closed, and I am held responsible for the charges. Since I had never received any documentation from Wells Fargo in reference to this I requested a copy of the letter and the supporting documentation used in their investigation. 

In a letter from Wells Fargo dated XX/XX/2023 Wells Fargo noted " the transactions is question are pos XXXX, meaning that the physical actual card used the tapped feature at merchant location. Since the XXXX chip was in your possession during the time of the transactions it has been determined that the transactions are valid. '' I requested that Wells Fargo reopen this claim, and at the advice of Wells Fargo, I supplied a police report and documentation from my employer that I was present at work in XXXX, New Jersey on the date of these transactions. Since the transactions were made in XXXX, Florida, it was impossible that I authorized these transactions. Wells Fargo has since receiving this documentation, denied the claim a XXXX time. 

I contacted Wells Fargo today and advised them that I would be filing a report with the CFPB and the New Jersey Division of Consumer Affairs. They advised me that they will reopen the claim once more. I advised them that the police department is looking into the video footage that the XXXX XXXX has of the person who made the purchases, but I have not received any follow up from the police department in regards to the release of this footage. 

I am seeking full reimbursement of the XXXX separate purchases of {$1300.00}, for a total amount of {$4000.00}. I am at a loss as to what I need to do to get this money credited. It is obvious that I did not authorize these purchases, but supplying Wells Fargo with all the supporting documentation I have, they continue to deny the fraud claim.
Product: Checking or savings account

Today on XX/XX/2023 I received a notice from my bank USAA on my debit card fraud claim that they will not be refunding an UNAUTHORIZED, Ach withdrawl that took place on my checking account. 

On the letter USAA submitted to me, it was stated that " We received a copy of your authorization for this debit transaction ''. 

When I called USAA at XXXX XXXX to request the paperwork of the documents used to deny my claim, XXXX different REPRESENTATIVES from USAA hung up on me. 

This is the not the XXXX transaction in the past year USAA has allowed someone to take from me and not provide me with the resources/documents used to deny the accreditation. 

I switched from my former bank to USAA because I kept having my identity stolen and checking/credit cards used without my permission. 

When I first started with USAA I had no problems, but since the pandemic I have had much difficulty trying to get my stolen money refunded by them. 

I, XXXX XXXX XXXX, DID NOT AUTHORIZE THESE TRANSACTION LISTED BELOW AND NEED USAA TO ACT/CREDIT THEM NOW.
Product: Credit reporting or other personal consumer reports

Constantly lied and said they never received my FTC report after submitted it four times in the CFPB XXXX. They have violated XXXX XXXX XXXX XXXX  blocking access Deletion of these fraudulent accounts. They hung up in my face XXXX times per me waiting on there long phone call to answer the call. They have told me Even if the creditor verified we are not removing account which is recorded!! They have been noncompliance under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requires credit bureaus to block fraudulent information from my credit report when I provide proof of identity theft. 

Civil liability for willingness for non-compliance. Violated. My legal team have all the documentations we need to sue for a compensation of a {$5.00} XXXX XXXX XXXXs, willingness for non-compliance. Plus XXXX other violations. They are holding these fraudulent accounts under my name after I already have reached out to the creditors. They have reported a different name thats not matching my credit report. ALL XXXX MAJOR CREDIT BUREAUS NOTICE TO PRINCIPAL NOTICE TO AGENT XXXX XXXX XXXX XXXX suing for multiple damages violated the compensation for damages, including actual damages, statutory damages, and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about TransUnion & XXXX. I have been contacting them since XX/XX/2021 and have yet to hear a response about my disputes and about them violating my consumer protection laws under the United States code title 15 chapter 41. They are reporting that I owe debt to corporations which is inaccurate. I am the original creditor because only the natural person can extend credit to corporations. So corporations can not say I owe any debt. Being that I am the only one who can verify/validate any debt I DO NOT VALIDATE THE DEBT! XXXX removed the accounts because they know they violated my consumer protection laws under the United States code title 15 chapter 41. 
I demand that TransUnion remove the accounts that I have on my letter and I demand that they do not ignore me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There some negative items in my credit report and dont belong to me XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXX KOHLS/CAPONE Account Number XXXX XXXX
Product: Debt collection

Avante USA at XXXX South XXXX XXXX XXXX XXXX, TX XXXX phone number ( XXXX ) XXXX was a collection I recently discovered on my consumers report. I do not know this company. Avante USA did not provide me with any verification of claimed debt or permission to place it on my credit report. Never been contacted by Avante USA in regard to an outstanding balance of {$1300.00}. I have never done business with this company nor does this company have my permission to keep violating my rights by providing incorrect information.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX I XXXX XXXX  sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. I have not received a resolution yet for these violations. I feel like I am being wrongly treated and ignored of my disputes. I believe failure to look into these items and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

For the XXXX XXXX account that is reporting on my report, I noticed alot of Inaccurate and incomplete information please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.