23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear. CFPB My name XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX CREDIT REPORTS on collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Its not my collection. please remove it. 
Thank you. 
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card Account was removed from my XXXX report. However, it 's still showing up on Experian and XXXX. This is not my account, and it seems like XXXX has proven this.
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX and Equifax for account # beginning XXXX XXXX ( 2017 closed ), and account # beginning XXXX XXXX XXXX XXXX, several times Per 18 USC 1028, 15 USC 6802, and CFPB protections recent lawsuit against the two bureaus. Stating i believe my information has been falsely retained and my previous disputes were mishandled. Both XXXX and Equifax denied to follow up with the investigation. In light of the recent lawsuit, which alleges that the companies accepted unreliable information and failed to notify consumer dispute reports. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information regarding these accounts. Im requesting that this derogatory remark be removed and corrected immediately as it is affecting my chances of renting a new home and refinancing my vehicle under false pretenses. Both XXXX and Equifax violated my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX BANK 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I am writing to formally complain and claim about the denial of my request for the removal of Private Mortgage Insurance ( PMI ) on my mortgage account with LOANCARE As a responsible borrower, I have diligently met all the necessary criteria for PMI removal, as outlined in the Homeowners Protection Act ( HPA ) and the terms of my mortgage agreement. Despite this, I was informed on XX/XX/XXXX  that my request for PMI removal has been denied AGAIN after 6 years in a row demanding this removal on the grounds of late payment last 6 months and XXXX 80 % due to XXXX stop payment this company raised mortgage payment and loan without notice, agreement or any legal reason to do so.. 

However, I strongly believe that this denial is unjustified for the following reasons : Meeting Loan-to-Value ( XXXX ) Requirement : According to the terms of my mortgage agreement and the HPA guidelines, I am eligible to have PMI removed once my loan-to-value ( XXXX ) ratio reaches 80 % or less XXXX As of XX/XX/, my XXXX ratio is LOWERS 70 %, which satisfies the requirement for PMI removal. 

Timely Payment History : I have consistently made on-time mortgage payments for. My timely payments have contributed significantly to the reduction of my outstanding principal balance and subsequently, my XXXX ratio. 

No History of Default : There is no history of default, or any other significant negative events related to my mortgage account. I have demonstrated financial responsibility and commitment to fulfilling my obligations as a borrower. 

Home Value Appreciation : The value of my property has appreciated considerably since I obtained the mortgage. This appreciation, coupled with my regular mortgage payments, has contributed to the reduction in my XXXX ratio. 

Given these reasons, I am confident that I have met all the criteria necessary for PMI removal, and I request that LOANCARE reconsiders its decision and promptly removes the PMI from my mortgage payments. 

In accordance with the HPA, I expect a written response to this complaint within 30 days from the date of receipt of this letter. Your response should provide a detailed explanation for the initial denial and the steps taken to rectify this situation. Additionally, I expect a clear timeline for the PMI removal and the subsequent adjustment of my mortgage payments. 

Please direct all communication related to this complaint to the address provided. I am prepared to provide any additional documentation or information necessary to support my claim for PMI removal. 

Failure to address this complaint in a timely and satisfactory manner may prompt me to seek appropriate legal recourse and report this matter to the relevant regulatory authorities. 

Thank you for your immediate attention to this matter. I trust that you will uphold your commitment to fair and responsible lending practices by resolving this issue promptly. 

Sincerely,
Product: Debt collection

While checking the credit report i noticed the debt collection from XXXX XXXX XXXX $ and to which I have no idea about on what basis the debt is on my account. 

This is insane and needs to be resolved asap.
Product: Checking or savings account

On XX/XX/XXXX I went to Chase Bank to open a new savings account XXXX XXXX XXXX XXXX XXXX  IL XXXX  With the Banker XXXX XXXX  small business specialists NMLS ID:XXXX consumer banking XXXX-XXXX  and she wrote my name wrong “XXXX XXXX XXXX XXXX” even though I’ve been banking with chase for the las 18 year  checking account under name XXXX XXXX XXXX   she link the new savings account to the checking account and yet still wrote my name wrong she ask for my consular ID XXXX  passport and prove of address. She didn’t ask to double check the information in in the computer. I trusted her I was a little late about XXXX XXXX  went I got home I noticed the mistake but I couldn’t go back it was late   night. It was on Thursday Friday and Saturday I work at a XXXX and weekends are busy so I work from XXXX XXXX  to XXXX  with a 1:30 min break sometimes. I went back to chase Bank on XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXXto ask for help and fix my name on the new savings account. The lady who helped me was the manager also she was trained a new employee and she did not help me instead she chage my checking account name by them I have to accounts with not matching name and everything got worse my accounts were restricted. I did not receive an email or texted message on my phone. On the XX/XX/XXXX I made a deposit XXXX cash and XXXX  check from my state tax return... which was taken without let me know that my accounts were restricted. On the XX/XX/XXXX payments should be sent to the Rent company’s, insurance office payments, cellphone bill, electricity bill Gas bill. I couldn’t use my money because of those mistakes that were made by professional employees that work for Chase I was ask to bring papers work to verify my identity and also verify the social security number two times with two wrong names; I started getting calls from a social security department and crime so they said to be XXXX  Pennsylvania XXXX XXXX New York Scammers but they have my information one of them ask for a XXXX   to fix my situation.... I went to another chase bank  on XXXX XXXX XXXX XXXX XXXX was so surprising about everything he offered help and talk to his supervisor XXXX  but they couldn’t fix the problem not till XX/XX/2019 I was able to take all my money in cash XXXX  from checking and XXXX  from savings. I was really disappointed of the poor quality of service and not even an apology from anyone from Chase even worse they still sending me emails treating me to close my accounts asking me to destroy atm cars checks and not to used my account and privacy policy that doesn’t make sense now It was a nightmare and really intimidating those call from whoever they were I hope that this never happens again and review all your policies. I not longer doing business with chase and I demand to stop mailing me and emails I got block  to XXXX my chase app I can provide with all the paperwork that brought me here and cause me a lot of stress and time form work and personal time the the shame to be ask to borrow money to family and friends and calling all companies bills Thank You for your time.... XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ). Due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan

I was contacted by XXXX on XXXX XXXX, 2016 stating I was approved for a loan in the amount of {$2000.00}. They deposited {$720.00} into my bank account. All I had to do was withdraw that amount, send the money back and they would deposit {$2000.00}. They asked for my online bank information including my security codes. After awhile I began getting suspicious. The following morning I received an email from my bank stating the check they deposited was on hold for 5 days be a use the check may not be good. When I notified them about this, they began getting very irate. I told them the funds were frozen and they kept insisting I go to Wal-Mart to get the money out. Since Thursday XXXX XXXX, my bank account is still frozen. The company states the name is ACE Cash Advance and the person 's name is XXXX XXXX.
Product: Debt collection

The original collector, XXXX XXXX XXXX XXXX, has already agreed to and accepted a settlement offer for this debt with the agreement upon receipt of payment, the referenced account will be removed from Security Collection Agency, any collection agencies, and credit bureaus. Please view my supporting documents from XXXX XXXX XXXX XXXX. However, Security Collection Agency is still reporting this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had  XXXX  accounts with   XXXX   XXXX   XXXX   which have been paid off but   XXXX   will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows  : 1.       XXXX  {$2200.00}  2.      XXXX  {$5400.00}
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX, EXPERIAN XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. PLEASE REMOVE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit File/Report and score from Experian did not show up when Mortgage lender attempted to pull credit file. XXXX XXXX attempted to pull this report from Experian and received an error that a score should be there, but it was not being released by Experian. 

I contacted Experian on XX/XX/2021 to find out why my credit file was not released to our lender and was told that I have a " MIXED FILE ''. 

Experian stated they opened a dispute for the 2-3 other names that were showing on my credit file that are NOT me and a dispute for the items listed on my report that do not belong to me. It was stated that the entire correction would take up to 10 business days to resolve. That they would have to separate the information from my account. 

I called to follow up today XX/XX/2021, and was told that absolutely nothing has been done to resolve this. Asked for a supervisor and was told one was unavailable! 

There is {$130000.00} in loan debt showing that is not mine. This includes 3 credit card accounts, an auto loan account, a mortgage account, a home improvement loan account and several now closed accounts that are showing that are not mine. Also showing are 2 collections accounts for {$270.00} and {$940.00} that are not mine. 

I would appreciate any help to resolve this issue immediately- I can not buy a home without this first being resolved.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : NAVY FCU XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked and disappointed to find unauthorized inquiries that I can't explain. Ive always trusted my routine checks, but this time there were alarming discrepancies. I even tried refreshing my browser, but it wasnt just a glitchthe inquiries stayed. I need the documents I've sent to be reviewed closely to prevent this from happening again, so I can finally stop worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was registered with delinquent with credit bureau. In XXXX of 2022 I went into a six-month forbearance with U.S. Bank Home mortgage XXXX U.S. Bank is the lender. At the end of the forbearance I was told that the total six month amount was due and is considered past due. I argued that this is not what I agreed to. I was immediately put on a flex plan and told I could pay my regular mortgage amount. However U.S. Bank reported this to the credit bureau as delinquent. 


COVID-19 : Is HUD suspending credit reporting for FHA-Insured mortgages on a COVID-19 Forbearance? 
Any Borrower who is granted a COVID-19 Forbearance and is otherwise performing as agreed is not considered to be delinquent for purposes of credit reporting. 

FHA requires Mortgagees to comply with the credit reporting requirements of the Fair Credit Reporting Act ( FCRA ) ; however, FHA encourages Mortgagees to consider the impacts of the COVID-19 pandemic on Borrowers financial situations and any flexibilities a Mortgagee may have under the FCRA when taking any negative credit reporting actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached!! I am writing to dispute the reinsertion of the above-referenced account on my credit report. I previously disputed this debt with [ creditor name ] and it was removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX ; XXXX XXXX AV XXXX XXXX NJ XXXX ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I went to XXXX to pick up money from My fiance through XXXX XXXX to pay our rent. I picked up a total of {$5000.00} I held on to them. I then went and bought another {$2000.00} on XX/XX/XXXX money order from my navy federal credit union account checking account. I went to pay our rent they made it clear they do not take money orders and would only take cashiers check. I went to navy federal to deposit the checks into my account. I was made aware that the hold would be on the checks due to the amount. The account went on permanent restriction and I was not allowed to use it. The account was labeled as check fraud and I went on a hunt to find through XXXX XXXX  the issue of the money order. XXXX XXXX stated that the check was cashed and indeed valid money orders. I submitted an appeal as they requested to get my account back and they stated that it was denied. I sent every copy of the receipt that I have I sent a copy of my fiance 's id and information. I have called the security team numerous times to find out any details that I could. They told me I could no longer speak to the security team unless they needed to contact me. Speaking to other reps that have told me the funds are not credit as the security team had notified us but the fund have been cleared and sitting in my account. That is still currently active but I have no access to. I submitted a second appeal and they also denied that appeal as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX that my score had changed upon checking my Eqifax credit report I saw that my score had dropped XXXX points and that an account that was discharged in my Chapter XXXX Bankruptcy had been reopened and placed on my credit, I am not legally obligated to pay this account and the 4 payments that were missed was during the Chapter XXXX proceedings for which I was not obligated legally to pay and shortly there after all my debts were discharged, the debt in question is a student loan that I have been paying on faithfully for over ten years and never missed a payment and was never late, this loan had a cosigner on it and when my bankruptcy was discharged the creditor pursued my cosigner. After my cosigner contacted me and informed me of the problem I immediately contacted the creditor and informed then that my debt to them had been discharged but I was going to catch up the missed payments and resume all payments until the debt is paid in full. This same accout that I have disputed being on my credit report with Eqifax was closed and dischaged in bankruptcy, I legally owe XXXX  nothing but they took it upon themselves to open the discharged account and place it on my credit causing my score to drop XXXX points.I think that this is a very malicious act and when the discharged account is finally removed from my credit report I will not get the points back that were taken as a result of the discharged account being put on my credit report. I had to deal with something very similar with XXXX, these malicious acts has got to STOP, its not fair, when things are placed on your report that shouldn't be on there causing you to lose points that you can't get back I've disputed this same account with the same company and as a result the account was closed and showing that it was a part of my Chapter XXXX Bankruptcy and had been discharged.Maliciously the account was reopened to cause me to lose points knowing that once I dispute the account AGAIN it will eventually be removed but my points can not be restored. I am beginning to see a pattern with these CRA 's the same thing happened to me with XXXX   they too put a discharged and closed acount on my credit report causing my score to drop XXXX points and only restoring XXXX of those points, when I asked about the balance of the points I was told that there is nothing they can do about the points, now only days later from dealing with the XXXX   debacle, Now Eqifax
Product: Credit reporting or other personal consumer reports

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report XXXX XXXX XXXXXX/XX/XXXX and XX/XX/2024, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX Please remove These following inquires Immediately. 

I also request that XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Be removed as this is not my account and was open fraudulently. 

XXXX XXXX XXXX be updated as I have never been late on my report or had a repo. 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Debt collection

Just today the Bank has called my number 4 times and it is only XXXX. I always make the monthly payment. One call is plenty. 

Bank of America.
Product: Vehicle loan or lease

I received a refund check from Mercedes-Benz Financial Services for {$840.00} because they did not stop the XXXX XXXX payment lease option after I purchased the car. I deposited the check in my XXXX XXXX checking account on XX/XX/2023. However, on XX/XX/2023 a check deposit reversal was issued. I received a letter from XXXX XXXX that states why the check is invalid.. After contacting MBFS customer service more than six times, no effort has been made to refund my money. I have requested a substitute check but have yet to receive an answer.