23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Earlier in the year ( around XXXX  ), I started conversations with my mortgage servicer ( lakeviewloanservicing ) about removing my PMI. The first agent who I spoke to regarding the amount I need to pay to remove PMI put me on hold and never came back. The next one gave me a number ( {$11000.00} - see XXXX statement attached ) and told me to pay to principal and then to send a subsequent email to ask to remove PMI. I conducted the exact tasks and then saw no movement and the PMI remained and I received a letter over a month later saying it can't be removed but no clear explanation why. So I spoke to another agent who gave me a different quote ( saying it should be 78 % instead of 80 % ), then another agent that gave me yet another quote. I then spoke to a supervisor to explain that nobody is able to tell me what to pay to remove this PMI. The supervisor also didn't know and had to open a ticket as they did not know how to calculate the amount to remove my PMI. They eventually send me a table from XXXX XXXX and told me to work it out for myself. While this is going on, I have incurred 2 more rounds of PMI payment. I finally figure out the amount myself from the Fannie Mae table and paid yet another large amount ( more than double the original quote - i paid another $ XXXX - see XXXX statement ) at the beginning of XXXX. I finally got a letter mid XXXX to say it has been removed. My payment due for XXXX then dropped by {$200.00} ( the PMI amount for my XXXX payment - due XX/XX/XXXX ) then during XXXX I get an escrow analysis letter saying my payment for XXXX is jumping up by {$270.00} ( see XXXX statement ), partially for property taxes but the PMI reappeared. I complained yet again and they said it needs 30 days from PMI removal date to reflect in my escrow. We get to 30 days later and its still there so I call again and they said they will have it removed by mid XXXX. my XXXX XXXX it hadn't been removed so I call again and they say they will escalate it to be resolved within 24-48hrs so it doesn't end up in my XXXX payment. They didn't and now I have had to pay the extra {$200.00} yet again for XXXX. 

I can not seem to get this company to remove my PMI although I have paid all the amounts required. They keep promising but it is not going away and it is costing me {$200.00} per month. I have now overpaid PMI for many more months than I should have ( between them not being able to calculate the amount and then when I finally figure out the amount they cant seem to administer it ). I called again today to ask why it still hasn't removed and they are now saying XXXX due date to get it resolved. I explained that it should have been resolved in 24-48hrs as promised and I have been on hold for over 30 mins so I think they have basically left me hanging again without a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I have been trying to resolve this matter for XXXX with the original creditors as well with the Credit Bureaus XXXX I have contacted several times, by email, phone and mail providing them with legal documents as well. These XXXX accounts are fraudulent XXXX, Discover and XXXX XXXX. I have not gotten any resolution in this matter at all. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was trying to get a loan and I was denied. They is reporting the wrong stuff on they site, Ive ask them to remove them, I told them iam under identity thief, please help me
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX RE : Account Number XXXX Dear Sir or Madam, I am writing in response to your collection notice regarding a debt from XXXX XXXX aka Affirm Inc for {$1300.00}. According to your notice, this debt was incurred on XX/XX/XXXX and is currently in collections. 

However, I would like to dispute this debt on the grounds that it was included in my XXXX  XXXX bankruptcy, which was discharged on XX/XX/XXXX. The debt in question was discharged as part of my bankruptcy and is no longer owed. 

Please see attached bankruptcy documentation that demonstrates XXXX XXXX aka Affirm Inc was included. I have reported to the FTC that you cease all collection activities. 

I appreciate your attention to this matter and look forward to your prompt response. 

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

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights 1. XXXX XXXX XXXX - Account # XXXX6, 2. US Department of EDU - Account # XXXX, {$1800.00} 3. US Department of EDU - Account # XXXX, {$7500.00} 4. US Department of EDU - Account # XXXX, {$2400.00} 5. US Department of EDU - Account # XXXX, {$4200.00} 6. DPT ED / XXXX - Account # XXXX 7. DPT ED / XXXX - Account # XXXX, {$9000.00} 6. DPT ED / XXXX - Account # XXXX, {$16000.00} 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being Furloughed from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was furloughed in XX/XX/2020.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2022 Wells Fargo BankXXXX  XXXX XXXX XXXX XXXX, CA XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Demand Letter Checking Closure Request Account XXXX To whom it may concern : On XX/XX/2022, I asked Wells Fargo to close the captioned account in writing via CFPB complaint ( docket XXXX ). The account was not closed as requested. 

On XX/XX/2022, I was charged a $ 10 monthly service fee which overdrew my account. 

Now, I respectfully demand that Wells Fargo reverse the fee, issue compensation in the amount of {$50.00}, and close the account. 

Otherwise, this matter will proceed to arbitration with all fees and costs taxed to Wells Fargo. 




Sincerely, XXXX XXXX
Product: Debt collection

My debt was paid off and EQUIFAX has not removed it and it is a violation and stoping me from moving forward.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to you regarding the permanent limitation that has been placed on my PayPal account with the email address XXXX. I strongly believe that this limitation has been placed in error, and I would like to appeal this decision. 

Firstly, I would like to emphasize that I have not violated any PayPal policies. I have always complied with your terms and conditions, and I have conducted all my transactions on the platform with complete transparency and honesty. Therefore, I am puzzled as to why my account has been permanently limited. 

Secondly, I would like to request that you re-investigate my case thoroughly. I am confident that upon further review, you will find no reason to keep my account limited. I am willing to provide any additional information or documents that you may require to resolve this matter. 

Finally, I kindly ask that you restore my account if possible. As a loyal PayPal customer, I rely heavily on the platform for my online transactions, and this limitation has caused significant inconvenience to me. I would like to continue using PayPal as my preferred method of payment, and I hope that we can resolve this matter amicably. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Checking or savings account

Chime is the absolute worst as they have denied my claims at the last minute of issuance of provisional credit multiple times even though they have plenty of evidence to charge back the merchant. This is over $ XXXX and they do not care one bit. I am at a total loss and this fake bank needs to be out of business as they have the worst service and are a fraudulent organization
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  TX XXXX XXXX Reference number XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX, XXXX account number XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  XXXX  account # XXXX, XXXX  XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This company is coming after me for an alleged debt. this was a rental property where the company had unbearable living conditions. So due to me being pregnant I decided to move with the manager 's approval. So the contract with rental property is over XXXX years ago. 
I informed the collection agency that the alleged debt is over XXXX years old and asked them to validate. and to date no response.
Product: Credit reporting or other personal consumer reports

To : XXXX  XXXX CC : TransUnion XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX URGENT DISPUTE FINAL DEMAND FOR IMMEDIATE REMOVAL OF INCORRECT CHARGE-OFF To Whom It May Concern, This is a formal demand for the immediate deletion of the following unlawfully reported charge-off from my credit report within XXXX XXXX : Creditor : XXXX  XXXX Balance : {$2300.00} Charge-Off Status ( Incorrectly Reported on My Credit Report ) This charge-off has been paid, settled, or otherwise resolved, meaning its continued presence on my credit file is a direct violation of federal law. 

LEGAL BASIS FOR REMOVAL 1. Violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX XXXX XXXX XXXX. 1681s-2 ( a ) ( 1 ) ( B ), furnishers are legally required to report only accurate and complete information. Since this charge-off is no longer due, its continued presence is a clear violation of federal law, and you are legally obligated to delete it immediately from all reporting bureaus. 

2. Attempted Double Jeopardy in Credit Reporting Fraudulent Reporting This account has been resolved, meaning any continued reporting of a balance or delinquency is fraudulent and could be considered attempted double jeopardy in credit reporting. Requiring me to pay again would be fraud, and your failure to correct this violates 15 U.S.C. 1681n, which subjects you to statutory damages, punitive damages, and legal fees for willful non-compliance. 

3. Willful and Negligent Non-Compliance 15 U.S.C. 1681n & 1681o Should XXXX XXXXXXXX, TransUnion, and XXXX fail to delete this charge-off within XXXX XXXX, I will : File an official complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Submit a fraud and identity theft report to the Federal Trade Commission ( FTC ). 
Initiate legal action against XXXX XXXX, TransUnion, and XXXX for FCRA violations, seeking damages and full removal of this charge-off. 

DEMAND FOR ACTION XXXX XXXX COMPLIANCE REQUIRED I hereby demand that XXXX XXXXXXXX, TransUnion, and XXXX : 1. Immediately delete this charge-off from my credit report. 
2. Cease and desist from reporting any inaccurate balance or delinquency. 
3. Provide written confirmation of deletion within XXXXXXXX XXXX 

Failure to comply will result in legal action without further notice. I strongly urge you to treat this matter with the highest urgency. ( be advised that FTC reports have already been filed because this issue has still not been resolved. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 employer listings that are not true and need to be deleted and 2 previous addresses that are not true and need to be deleted. Also 6 unauthorized inquires that need to be deleted. There are also accounts that are not mine and accounts I want validated see letter of explanation
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date XXXX Balance : {$10000.00} Charge off-XXXX Inquiry : XXXX XX/XX/year>
Product: Bank account or service

Us Bank charged me XXXX overdraft fees when my account was not overdrawn they were XXXX .for each one. I want my money back my account was not overdrawn. This happened on XXXX/XXXX/16 and XXXX/XXXX/16. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like these items removed from my credit reports because I am a victim of identity theft.I noticed several inquires on my credit report that I did not authorize. 

Inquiry # 1 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 2 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 3 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 4 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 5 XXXX  DATE : XX/XX/XXXX Inquiry # 6 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 7 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 8 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 9 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 10 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 11 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 12 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 13 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 14 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 15 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 16 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 17 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 18 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 19 XXXX DATE : XX/XX/XXXX Inquiry # 20 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 21 XXXX XXXX   DATE : XX/XX/XXXX INQUIRY # 22 XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bottom line, i was told by Lending Club that because of the natural disaster i went through, meaning the hurricane, that i would not be reported late due to the fact that i had never missed a payment and that as long as i had made my payment of XX/XX/2018, that no deragatory late payment would show on my credit bureaus. If there phone calls are recorded for quality assurance, the proof is there for exactly what i was told would occur.
Product: Checking or savings account

i had a debitcard on the XX/XX/2018 from the usaa mobile app. It was not me or anyone else authorized for the ordering of a new debit card my phone did not do the request. I would like the request for a new debit card from the usaa mobile app to be investigated to find out the phone or person or persons responsible for the unauthorized order of replacement debit card. The fraud depart at usaa is going to be doing an inner investigation on their end but part of their investigation process is to fill this fraud report out
Product: Credit reporting or other personal consumer reports

I have filed numerous disputes with XXXX, Equifax, and XXXX over the past 60 days regarding inaccurate information on my consumer report, hindering my credit standing in obtaining credit. I have requested an investigation report and a re-investigative report to no avail. I was told that only consumer reports were given, not the investigation results. XXXX, Equifax, and XXXX must ensure their grave responsibilities to fairness, impartiality, and respect for my right to privacy. These consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information on my consumer report. This is not being done as I have to continuously dispute information repeatedly just for it to come back " verified '' with no information attached.
Product: Checking or savings account

On XX/XX/2024 My personal XXXX account was hacked, and the person that hacked my XXXX account made 9 purchases, five on my XXXX XXXX credit card, and four on my chase debit card. XXXX already took care of my claim and refunded me the money, but chase has closed my claim, I reopened and submitted screenshots from XXXX with the same transactions of the same amount, and a screenshot from XXXX stating my account has been accessed, and that I should reset my password, but they deemed it to be insufficient evidence and closed my claim.
Product: Credit card or prepaid card

In XX/XX/XXXX BoA notified me that my credit card ending in XXXX was compromised and issued me a new card ending in XXXX. 

In XX/XX/XXXX two charges were made on the XXXX account ( that should've been terminated ) to XXXX *Store for {$59.00} each totaling {$110.00}. I noticed the charges and called them in as fraud. BoA originally refunded the charges but later denied the claim stating I was responsible. I called back requesting an explanation and did not receive one. I asked for evidence to be mailed and nothing was sent. I asked for the claim to be reopened. 

Once again I was denied and a letter was sent. At this point I called XXXX to do the work myself. XXXX quickly flagged it as fraud as the charges were for two " XXXX XXXX annual subscriptions '' and XXXX noted I do not have account with XXXX ( nor do I own a XXXX ). XXXX gave me a reference number of XXXX to give to BoA to quickly resolve the issue. 

I called BoA again and provided them the reference number and also asked again why the claim was denied and no response was provided verbally or by mail as requested. With the new information another claim was opened and I received a letter 3 weeks later once again stating my claim was denied with no explanation. 

I am on my 4th appeal expecting the same result as BoA clearly is not doing anything appropriately with this. I am hopeful that the CFPB will help quickly resolve this as I have spent over 10 hr of my own time attempting to dispute that seems pretty straight forward.
Product: Checking or savings account

On XX/XX/XXXX, XXXX  at XXXX I had money transferred into my account of {$18.00} that was not me. I didnt end up waking up until around that noon that day and saw this done on my account. My account ended up turning into the negatives and my card got suspended by the company. The pin on my card was used roughtly 10 plus times before it was guessed right. Now the company hangs up on me and wont refund me for any of my money and now considering me a hacker when I had absolutely no regulations nore access to such a thing. They lied to me many times saying they would send me a link to resend to link to fix me stuff and never did. Now Im stuck with over XXXX $ gone because of this that I cant get back
Product: Mortgage

Mortgage company XXXX charged me for this month. Was told I would have to wait over 30 days to refund my money. Was told due to a system upgrade. This payment came out of my checking account as a direct payment. leaves me with XXXX left for the rest of the month. I have other bills direct debit that will be returned plus XXXX fees on top of it I will get plus late fees.
Product: Bank account or service

My wife and I are having a lot of problems with BMO/Harris. We 're now seeing the same check going through twice and SOMEHOW the check seems to land in an area where I was short -- SO & lt ; I will be charged XXXX NSF fees for the same CHECK! Now, I got one of them reversed, and YESTERDAY I went there to talk with the bank manager in XXXX, WI and I know that she could see that it was going to be charged another NSF fee and she did n't say anything about it. I ca n't trust them, by the end of this month, I plan on taking all of my monies out and transferring it to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried contacting Nelnet on XXXX XXXX, XXXX via correspondence USPS tracking number XXXX. The late payment dates for XXXX XXXX to XXXX XXXX ; XXXX XXXX to XXXX XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.
Product: Debt collection

Around XXXX I opened a credit card account with XXXX XXXX XXXX  XXXX XXXX  with an initial credit limit of {$300.00}. XXXX. After my first XXXX to XXXX months of paying on time they raised my credit limit to {$750.00}, after paying it off I noticed extra charges on the credit card and reported it to XXXX XXXX XXXX XXXX XXXX. The person I spoke to said the charges were mine and I told him to turn off the credit card. I continued making payments but I kept seeing new charges on my statement. I called and complained again and the person said it would be taken care of. By not doing what they said they harassed me. 
They contacted a relative who told them I didn't live there and we were estranged. They were told that I don't live there and they should not contact them again or he would consider it harassment and turn it over to the attorney general. He was told his address would be stricken from any form of contact. For the last couple of years he has since been receiving mail in my name along with a court summons. This is in violation of The Fair Debt Collection Act. I feel they knowingly sent collection letters to humiliate me as a form of harassment. 
In XX/XX/XXXX I called again when I was getting ready to buy my home and seen it was on my credit report, I tried settling with them and they said they would only take the full amount due. I then explained what had happened but they wouldn't listen this is harassment. Since then it has fallen off of my credit report, but on XX/XX/XXXX it reappeared on my credit report under LVNV Funding LLC and the amount owed had jumped to {$1100.00}. In XX/XX/XXXX I called LVNV Funding and tried once again to settle this account by either payments or a cash lesser settlement amount at that time I gave LVNV Funding my current address and phone number. LVNV Funding declined saying they would only settle for the amount of {$1100.00}. This again is a form of harassment. 
In XX/XX/XXXX I found out from a relative that they had a letter from a law firm addressed to me at their residence. I had them open it for me and it was an advertisement of a law firm wanting to represent me for my court case on XX/XX/XXXX XXXX.I never received a notice from LVNV Funding about this issue. The court case was filed in XXXX XXXX XXXX, Missouri. I live in XXXX XXXX Illinois, a XXXX difference and a place I haven't lived in about XXXX years. This is again a form of harassment. 
I took off of work for the court date and drove there to find out that LVNV Funding had dropped the lawsuit on XX/XX/XXXX without prejudice. This has been a form of harassment for many years they will not work with me and keep holding this fraudulent debt above my head for almost eleven years. I feel like this court date is another form of harassment because they know I don't live there and by dropping this case and making me miss work is harassment. Then receiving the cancellation of the case by letter after the court date at the wrong address is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted