23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Where to start with UWM ( United Wholesale Mortgage ). I have been trying to remove PMI on my mortgage for over a year! 

No one at UWM can provide in writing when my PMI officially gets removed - huge red flag. I have asked for it in writing or else I am seeking legal help. I received three different answers over the phone about when my PMI gets removed - 80 % LTV, 78 % LTV, 75 % LTV, but nothing in writing. Sound sketchy? Yes. 

UWM provided me an updated appraisal on the property through which shows a new appraised value of $ XXXX. My unpaid principal is $ XXXX. That means LTV of 75.2 %. UWM states on their website that PMI is automatically removed at 78 % LTV! Why wasnt mine removed? One representative claims XXXX XXXX- the investor- has set the LTV for PMI removal on my loan at 75 %. Hmm, I highly doubt that. 

The next time I called in, the representative informed me that my LTV is 82.5 % and my homes value is actually $ XXXX, not $ XXXX. And why is that? According to UWM, I did not receive an updated appraisal to $ XXXX, I simply received a brokers opinion which I paid {$300.00} for at the time!!! And they can no longer honor the $ XXXX appraised value, they need to go back $ XXXX value moving forward unless I pay another {$300.00} for a new appraisal. Scam artists! 

I could keep telling you more stories, but all in all am getting the run around by UWM, who desperately does not want to remove PMI on my loan. I have official written records showing that UWM provided an appraisal for $ XXXX and my unpaid principle is $ XXXX. Per UWMs website, any LTV under 78 % gets PMI automatically removed. As such, I have been paying unnecessary PMI for MONTHS since I am at 75.2 % LTV.

Since I keep getting different answers and excuses, many red flags are being raised. UWM also will not send me the legal language on my mortgage about when the PMI gets officially removed. They just keep changing the requirements every time I call in to remove it. 

Please help me, I have a wife and a XXXX XXXX XXXX daughter and I just want to be treated fairly as a customer.
Product: Checking or savings account

Capital One admitted to experiencing technical issues on XX/XX/year> which affected payroll direct deposits. As of XXXX XXXX on XX/XX/year>, my deposit of approximately {$3300.00} has not posted to my account. The company has blamed the problem on a technology partner called XXXX XXXX, who stated the root cause is a power outage at a data center. 
I have contacted Capital One customer service via their social media page on XXXX  ( formally XXXX ) and have only received canned, scripted responses from a chatbot which has not provided any real update on the ETA to solve the problem.
Product: Student loan

Ever since I have had Navient, I have not been able to make payments successfully. When I first started paying them back, Navient 's website led me to believe that payments had not been processed ( upon logging in after submitting a payment, it would say payment overdue ) and I ended up triple paying one month 's worth of payments. Between having the " automatic debit '', the online confusion and the sheer absurd amount of time it took for them to process the payment, I ended up paying the same bill three times. Since then, I have repeatedly continued with forbearance and the last time I tried to submit a payment, I got the confirmation email about three days after I submitted the payment on their website, but the money was never withdrawn from my account. That 's another problem I 've had with them - I 've had to give them my checking and routing numbers at least 7 different time. Every time it was repeated back to me correctly, yet they kept saying it was my bank 's fault. When I called XXXX XXXX, they said they had no record of Navient even trying to get a payment. Also, those lucky few payments that did go through took at least ten days to post to my bank account as well as Navient 's joke of a website. This is by far the worst company I have ever had to deal with. There is absolutely NO reason a payment should take that long to be withdrawn from my account and their website should immediately reflect at least the attempt to make a payment by saying something like, I do n't know, payment pending?!?! Please help me get away from this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the Credit Bureau and the company to do a credit search and I did a complete search as well for the inconsistencies. 

Account Name : XXXXXXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 a states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt or credit management

XX/XX/XXXX Good afternoon CFPB- Consumer Financial Protection Bureau Complaint Dept. , How are you? 
A friend shared your website with me yesterday and I came across this information regarding Lexington Law Class A & B Civil Penalty Fund : Consumer Education and Financial Literacy.

One class of consumers received an allocation of {>= $1,000,000}. These are certain consumers who made a payment to Lexington Law or XXXX from XX/XX/XXXX through XX/XX/XXXX. This allocation covers 100 % of eligible consumer harm. 
Lexington Law Class A {>= $1,000,000} Lexington Law Class B {>= $1,000,000} I paid for Lexington Law Services from XX/XX/XXXX XX/XX/XXXX. Below you will find one of the individuals that I emailed and a screenshot of all the emails from XXXX XXXX from Lexington Law firm. 
Are there any more Civil Penalty Funds available? 
Please advise if Im privy to any of the Civil Penalty Funds : XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX from Congress to provide relief monies from companies that have broken and breaking federal consumer financial protection laws. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today in wish to receive your help. At the present time I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX and XXXX ) on XX/XX/2017 and I am writing this to have this remark retracted. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$55.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$260.00} XXXX  XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for denying access to my credit report. Despite successfully viewing my report XXXX weeks ago, I was unable to access it when I called TransUnion. After being placed on hold for XXXX hour and XXXX minutes, no representative assisted me. I need TransUnion to release my report immediately or provide an explanation of the issue and correct it promptly. 

This denial may be in violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( entitlement to access of credit report ) and XXXX XXXX. XXXX ( procedures for correcting inaccuracies ). 

I appreciate your attention to this matter.
Product: Credit reporting or other personal consumer reports

the account was paid directly to XXXX XXXX in a settlement, and LVNV Funding LLC has it listed on my credit report as a debt. when its paid
Product: Student loan

Hello, I contacted Navient customer support on XX/XX/XXXX regarding a loan discrepancy that I recently discovered. A representative advised that I reach out to an advocate and provide documentation. The advocate has provided no response in this matter. Your assistance would be greatly appreciated! 

I have a Signature Student loan with Navient for {$12000.00} that was not fully dispersed to XXXX University, although it shows that I have been repaying with interest for a significant length of time. I withdrew from classes weeks into the first semester. The documentation provided by XXXX University shows the effective withdrawal date of XX/XX/XXXX, associated fees, and refunds. 

This {$12000.00} loan should not exist as I did not attend XXXX University - this is absolutely an error on Navient 's behalf. 

XXXX UNIVERSITY NAVIENT PRIVATE LOAN TRUST Signature Student ( {$12000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried over and over to let Equifax know that the information on my credit file meaning my date of birth which on file they have XX/XX/XXXX which is my mothers date of birth. I faxed over a copy of my ID and my social which they states they didnt receive. They only received the cover letter. I am now sending my ID and social through here so that yall can send it to them because this seems like my last option to actually get it done.
Product: Credit reporting or other personal consumer reports

Date XXXX XXXX Re : Account XXXX XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX & amp ; XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX Balance : {$290.00}
Product: Credit card or prepaid card

I applied for the Chase Southwest Rapid Rewards in XX/XX/2020. There is a promotion for a {$200.00} statement after first purchase, plus earn XXXX points after you spend {$1000.00} on purchases in the first 3 months. I was approved for the card and fulfilled the requirements for their offer. I have had the card for a few months now and I contacted Chase regarding the promotion offer regarding their points. I mentioned that the current points reflected on my account does not reflect the bonus points. The first time I called they lied to me and said the offer was for 10k points. The second time, Chase hung up on me. The third time I called the supervisor lied to me again. I told them I have a screenshot of their offer, a copy with date of the time I submitted the application, and told them this is a " breach of contact '' and that I would take legal action, if necessary, in small claims court. Only then did the supervisor claim she would escalate the matter and get back to me in 3-7 business days. I am submitting this complaint to prevent Chase from doing this to other potential customers in the future.
Product: Credit reporting or other personal consumer reports

Due to financial hardship there was a flood in my home thus resulting in late on my XXXX payment which was made on XXXX second. I made XXXX payment on XX/XX/24 which is the last date before the account is considered late for XXXX. I received notification from TransUnion that my account was 30 days delinquent which is incorrect it was current as of XX/XX/24 and the following payment for XXXX was received less than 13 days later. I respectfully request my credit report be amended to current as all payments were received. I called XXXXXXXX XXXX on XX/XX/24 to address the incorrect reporting on my credit report and XXXX the representative would not listen to me or address my concerns. I asked to speak with a supervisor was told she would transfer me and instead they kept me on hold and then hung up the call. Which I encourage them to pull the call as all calls are recorded for quality assurance and monitoring. The representative was very rude and unprofessional and didnt address my concerns or create a ticket to address my concerns. This resulting in needing to file a complaint. This XXXX payment will hinder my progress with closing/selling my home in the next three weeks thus resulting in impending homelessness.
Product: Credit reporting

Experian 's " online disputing '' does not work. It begins by asking questions about credit accounts that are not mine. I answered " none of the above '', then it tells me I am an imposter and request a photocopy of my driver 's license.
Product: Vehicle loan or lease

Capital One was paid off on XX/XX/XXXX. They sent me an email congratulating me on payment in full then reversed the payment back to XXXX XXXX XXXXXXXX buyers account. Capital one refuses to fix the issue and says I owe them more money now even though they waited until after an extra payment was due to accept pay off. They refuse to allow me to payoff my vehicle.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied my " cash back '' towards a credit on my balance but in order to do so I had to cancel auto pay for this transaction to happen expecting it was just temporary in order for the transaction to go thru. I also confirmed that my auto pay was still activated therefore it will still automatically make my payment. 

On XX/XX/XXXX without being aware, my autopay was cancelled but definitely not by me as I did it on the XXXX temorarily for that transaction yet as stated autopay was still activated. 

On XX/XX/XXXX when I didnt receive a payment receipt notice I log online and notice that my auto payment never took and I was charged a late fee so I manually posted a payment. At this time I reconfirmed that autopay was activated. 

As my auto pay being activated it should of made a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a copy my dispute letter to equifax on XXXX. It has been over 30 day and I have not gotten a response. I have Uploaded A copy of the letter and a copy of my driver 's licence and A utility bill
Product: Credit reporting or other personal consumer reports

In or on about XX/XX/2023, I signed up for a XXXX XXXX credit card that would prepay for services from a company called XXXX XXXX XXXX to put some flooring in my house. XXXX XXXX XXXX agents came to my house twice with the wrong colored flooring, and later admitted that they didn't have the flooring that I requested. Since XXXX XXXX XXXX didn't have the flooring that I requested in stock they couldn't provide me with a service. XXXXXXXX XXXX  is still charging me for services that were never provided to me. I wrote both companies several times, through certified mail with affidavits of proof of correspondence sent, and neither companies responded to address the issue. XXXXXXXX XXXX response is only a copy of the contract signed between myself and XXXX XXXX XXXX but neither addressed the issue. I called the Bank to ask for their legal team and I was told that the Bank doesn't have a legal team ( which sounds odd ). The issue is that I didn't receive a service from XXXX XXXX XXXX  and by the laws of equity I shouldn't have to pay for services I didn't receive. XXXX XXXX XXXX should not receive unjust enrichment for services not provided and I should not have to pay for unjust enrichment. Please have XXXX remove the negative information from my credit report because it is effecting my report negatively. If you need copies of the correspondence that I have sent to both parties I can provide that, and I can send your agency all of the correspondence that was sent to me by them to prove they never addressed the issue. Thank you for your time in this matter and may XXXX bless you and your family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a Credit Card Account with HSBC. 

Current Balance as of XX/XX/2019 is {$3800.00} Minimum payment due date is the XXXX of every month. 

Account has ALWAYS been in GOOD STATUS. Automatic payments are attached to the account. 

Latest automatic payment was returned. In order to comply with due dates i made several payments within the 30 days period. 

On XX/XX/2019 HSBC reported the account 31 Days Late to the Credit Bureaus despite payments made withing the 30 days period prior to reporting. 

The issue appears to be the MINIMUM AMOUNT INCORRECTLY communicated by HSBC to me : Minimum Amount indicated to pay was XXXX . AMOUNT SPECIFICALLY REQUESTED BY HSBC, CAN BE CONFIRMED ON STATEMENT AS WELL Correct Amount was supposed to be XXXX $ - NOT REQUESTED SO - The 3 $ discrepancy incorrectly given by HSBC to me resulted on late reporting to the Bureaus. 

Multiple recorded attempts were made specifically to avoid any late reporting, both by automated system and directly to costumer service. 

NO LATE FEE WAS EVER GIVEN DUE TO THE FACT THAT THE ACCOUNT WAS NOT LATE AT ALL. 

NO LATE FEE IS INDICATED AT ALL ON ALL STATEMENTS HSBC is responsible to remove the 30 DAY LATE reporting to the credit agency. 

Documents, including confirmation of payments, statements and specific detailed payments made withing the 30 day period are attached. 
Also credit report.
Product: Credit card or prepaid card

There were credit cards & checking accounts opened in my name with NFCU that were fraudulently opened. I have never had NFCU and I told them that. They keep sending me letters in the mail about a credit card payment that I dont even have or ever had!!!!! Same thing with the checking account its not mine.