23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had been making extra payments to the principal to lower the LTV ratio to remove the PMI insurance from my loan. Once my LTV ratio was 77 %, I asked that the PMI be removed. Chase informed me that I could pay for a BPO {$110.00} or appraisal $ XXXX-XXXX to remove the PMI before it would automatically remove on the scheduled date. I contacted Chase and was told that a waiver would be submitted for the XXXX fees. I received another letter stating I must pay {$110.00} for a BPO to remove the PMI from the loan on the scheduled date and the LTV ratio is now 76 %. Also, all payments have been made on time and I am in good standing on the loan. A quick scan on the internet estimates the home to be valued at double the loan amount. I have n't found anything in regard to laws that prohibit lenders from charging consumers to remove the PMI once the loan hits 78 % LTV ratio.
Product: Checking or savings account

On XX/XX/2020 and XX/XX/2020, I authorized XXXX XXXX & XXXX to charge my debit card for a coffee table, in two transactions of {$75.00} and {$74.00}. 

Because of the COVID19 issues, delivery of the item didn't happen until XX/XX/2020. When it arrived, it came damaged, and unable to be put together. 

I was finally able to speak to a live representative on XX/XX/2020, and was told that the company is no longer in business, and that I needed to file a claim through my bank. 

Bank of America stated to me that because the two transactions happened in early 2020, I am over my " courtesy time frame '' to file a claim, and therefore it would get denied. I explained to them that although I authorized the charges in XXXX and XXXX of 2020, the item itself didn't arrive until XXXX of 2020. 

They refused to file the claim, and told me that I needed to file a complaint with the CFPB an " try '' to get my money back.
Product: Checking or savings account

Regions Bank website says they will assist victims of Covid-19 With " Bank Fee Waivers '' Regions Bank does not assist with Covid-19 Victims. I was charged two {$72.00} FEES EACH. Again in my Deposit agreement it says for standard overdraft it's only {$36.00} However Regions is Charging well over that by charging {$72.00} per item. I did call regions for assistance explaining that I am victim of the corona virus and that these fees for {$60.00} in transactions has now put the balance at XXXX I am not paying XXXX Dollars in Fees. The Account is opted out of overdraft. I tried reaching a manager because regions lies online to their customers on their own website. Regions.com explaining that they will assist with Bank Fee Waivers and they do not. The Manager told me they assisted me on the XX/XX/XXXX for a Different fee and they will not be assisting me with anymore fee 's even though my account is opted out of Overdraft to  begin with and they are charging a fee greater than what is legally allowed by the FDIC. Regions never assisted me with payment assistance neither, Regions continues to lie on their own website and does not care about their customers. There Managers are HORRIBLE at customer service, the lady was screaming on the phone, she wouldn't escalate it to the Executive office and told me she doesn't care about customers of the bank.
Product: Credit card or prepaid card

I shopped at XXXX store XXXX in XXXX XXXX, XX/XX/2022. I spent XXXX but my Capitol One card declined the transaction so I had to use my XXXX debit card instead. My Capitol One statement for XXXX showed the XXXX charge. I also got my XXXX bank statement that showed the XXXX for XX/XX/XXXX XXXX called Capitol One and disputed the charge. The charge was removed in XXXX statement XXXX. I had stopped using the Capitol One card but I did use the card XX/XX/2022 online for XXXX. I had a XXXX on my Capitol One account. I sent Capitol One a copy on my receipt that says Capitol One declined the purchase XX/XX/2022. The receipt says another credit card was used. I am sending pictures of my receipt and XXXX bank statement with the charge from XXXX with the XX/XX/2022 charge.
Product: Debt collection

I have ever only obtained a check cash card for Walmart in XX/XX/XXXX. Now in XX/XX/XXXX I tried to apply for a credit card and was denied. However, via mail from XXXXXXXX XXXX   Creditor and they also list XXXX in letter, they claim SERIOUS DELINQUENCY, NUMBEROUS ACCOUNTS WITH DELINQUENCY, LACK OF RECENT BANK REVOLVE INFO. I Knew this was FRAUD and immediate called XXXX who stated they never even received the INQUIRY! I then reported to FTC and Consumer Finance to have this EXTREME FRAUD and LAUNDERING Under MY NAME Investigated. They explained I should submit a complaint online or in writing as well. I would have no problem with proving these accounts were never mine! Cell # XXXX Thank you, XXXX XXXX XXXX
Product: Credit card

I had an American Express Corporate Platinum Card through my employer. I paid a fee to upgrade the basic corporate card to a platinum card so that I could earn membership rewards. My card had XXXX membership rewards points ( redemption value of approx. {$1800.00} ) as of last check. My company canceled the card in late XXXX 2016 due to a pending acquisition. I paid off the remaining charges by mid XXXX 2016. I had a credit of {$570.00} that was, according to American Express, issued to me in the form of a check on XXXX XXXX, 2016. In my mind, the account was closed on XXXX XXXX, 2016, when the final credit was paid. When I reached out to American Express in late XXXX 2016 to discuss rolling my membership rewards over into another account, I was told that the rewards points had been forfeited. At that point, American Express told me that the rewards points were forfeited 30 days after the account was closed by the company, which was in late XXXX 2016. After many hours of waiting on the phone and submitting appeals, I have gotten the same answer : American Express is unwilling to replenish the points. This is a deliberately deceptive and abusive practice by American Express. It never notified me of its forfeiture policy, not at the time I opened the account nor at the time the company closed it. It did not send a reminder after the account was closed that the points would be lost. It never notified my employer about its policy, and my employer never notified me. Moreover, to arrive at its decision to eliminate my points balance, American Express selected an account closing date based on when the card stopped accepting charges rather than when the account activity was settled. Simple decency would say that American Express would remind the customer about the forfeiture. Good customer service would include having some flexibility to make things right when there is a mistake. American Express has neither. I believe this is a widespread practice, designed to disgorge points from unsuspecting members upon account termination. It has to stop. There should be mandatory notification of pending forfeiture of points.
Product: Credit card or prepaid card

There is a late payment on my credit card with Capital One that I do not recall ever having. I have had this card since XX/XX/2017 and was under the impression I always had a good payment history. I checked my credit report with XXXX XXXX and saw a late payment that shocked me. This late payment must have been when I was touring the country since I am a professional boxer.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They claim not to have a file on me. The inaccurately reporting items below prove they do. They have violated the FCRA, it has been more than 30-days. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my info from equifax for a couple months now. I have mailed them the requested docs, sent them email, waited on hold for hours, etc. They are totally non-cooperative. Truly a horrible company for the consumer to have to work with. I find the other credit reporting companies do not have equifax 's problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid certified letters asking to remove from my credit file due to no evidence provided how debt validated. I havent received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX Card- Account Number XXXXXXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 


Best Regards, XXXX : XXXX XXXX XXXX XXXX Prejudice, All Natural Inalienable Rights Reserved
Product: Checking or savings account

I cant reset the password for my online banking i keep getting this problem everytime when i trying to reset the password for my citizen account after clicking the Trouble Log In And Nothing Happenens i cant reset password
Product: Credit reporting, credit repair services, or other personal consumer reports

he company XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed with an innacurate amount and bought from another company. when i never signed any documents this debt collector that must be removed as soon as possible. 

In Accordance with the Fair Credit Reporting act XXXX  the Account from, XXXX  account number XXXX has violated my rights. 

15 U.S.C 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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX 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 an account without my written instruction
s.
Product: Debt collection

I contacted national credit adjusters about 2 months ago to clear a debt and pay it off in collections. The lady was nice and pulled up my account and told me that it was against the law for them to accept payment due to the being past the statue of limitations here. I respectfully asked what can we do and she said not pay it because they can't accept payment. I wan na resolve this somehow to purchase a home. This is a debt I was willing to pay but have disputed for 2 months no resolve from XXXX or nothing. The debt is {$1100.00} I was willing to negotiate but they can't accept payment please help me resolve this somehow or let 's work with the company to get this debt removed as a good will deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX XXXX : {$7700.00}
Product: Debt collection

I received a call today from the Collections Dept ( person 's name was XXXX ) from a company called Elk Lending. She advised me that I supposedly had taken out a {$500.00} loan and that the first payment was past due in XX/XX/2021. I immediately advised that I never took a loan out, and that I have never heard of Elk Lending. She apologized but they are requiring me to file a police report and an IdentityTheft.gov affidavit and email both to them at XXXX to hopefully clear this up sooner rather than later. 

I called the XXXX number as referenced on the upper left hand corner of the Elk Lending website ( https : //elklending.com/ ). I spoke to a woman by the name of XXXX. I requested she transfer me to their security department and she did not. She provide information exactly as what XXXX  provided to me. She also was kind enough to provide me my supposed login credentials to the Elk Lending website so I can poke around to see what information I can possibly find in there. 

Between XXXX and XXXX, I was provided the following information : {$500.00} loan, approved on XX/XX/2021. Loan was sent to a bank account at a bank named XXXX XXXX XXXX  same day. 

This is obvious fraud and identity theft as I don't need a loan, have need heard of nor bank at XXXX XXXX XXXX. 

How does this company verify that it was legitimately me applying for the said loan? They have my name, social and birthdate. They should be verify other information as well ( employer, paystub, etc. ). 

How do we resolve this quickly? What a hassle. 

Thank you in advance! 
XXXX
Product: Mortgage

The mortgage has been messed up since I was with XXXX the principle of the loan has never gone down with as many different Mortgage Servicers that have had their hands on this loan. I have requested from XXXX what was the principle amount that was owed when they sold my mortgage to another servicer. I have sent many request and demands and never got an answer. I took out the loan with XXXX XXXX in XXXX  and to this date I still owe XXXX. Then when I get angry and start fighting back when they try to foreclosure they then pass my mortgage off to another lender. This has now gone on for 18 years I have paid late fees and large interest and so much more. Now I am with Shellpoint which also plays the run around no contract and charges me for attorneys fee and loss interest fees and wants to do a modification and bring my mortgage even higher. Then every time I speak to them they cut me down and be little me, " IF YOU CANT AFFORD SELL THE PROPERTY OR WE WILL TAKE IT IN FORECLOSURE ''. This is getting crazy one predatory loan after after another and changing what they tell me. These companies need to stop praying on the XXXX  and XXXX. I have had my family help me pay so much money to just XXXX and on my credit report stated I only owed XXXX XXXX now XXXX something that Shellpoint is saying I owe. Please help me.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my SoFi loan using a refinance through XXXX loans. Due to timing issues I had to pay off the loan before the closing. XXXX sent an additional {$2500.00} over payment to Sofi loan on my behalf and now I cant get the money back from SoFi. 

I have contacted SoFi about 20 times and they hang up on me, transfer me to a black hole, give me bad contacts, and never contact me back when they say theyll get back to me. They verified that they received my payment and that it was an over payment but twice they have told me theyre mailing a check back to XXXX. ( Once on XX/XX/21 and once on XXXX ). But XXXX has never received that check so they cant pay me. 

Earlier this week I contacted SoFi with a representative from XXXX on the phone with me in hopes to get back up of these alleged checks they have sent and resolve the issue. 

They stated management would be an hour and a half wait and that theyd call me back. We set an appointment for them to call us back and again requested the check back up. Address they mailed it to. Who sent it. Contact information of check prepared. 

And again they never called or provided any detail. At this point Im not sure how to get this resolved or who to contact but its been going on for two months. Would love some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person/ private person with an exemplified judicial order. I am a living person, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they have violated my rights for decades, which has destroyed my credit. I demand the accounts listed below be removed. Equifax has violated the following consumer laws : 15 USC 1681, I have a right to privacy, and I did not give Equifax written permission to furnish these accounts.

15 USC 1681 a ( 3 ) ( 4 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681b ( a ) ( 1 ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The following are negative accounts on my credit report : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

We received a fraud alert that an inquiry was made on my credit report regarding the opening of an account at USAA. I had a fraud alert placed on my credit file to alert all financial institutions. On XX/XX/2021, I received a debit card from USAA even though I NEVER opened an account with USAA. They have refused to work with me to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX an alleged debt originated with XXXX XXXX was reported by XXXX XXXX. I demanded validation because I knew the debt was either too old to be my debt or it simply was n't my account. I have not authorized any utilities in my name since I married my wife. Those types of accounts always go in her name. XXXX XXXX did not validate the account they removed the account from my credit report because they lacked the evidence to support their claim. Now XXXX XXXX has purchased the same debt and is reporting the open date as XX/XX/XXXX. I did not authorize the account and on top of that they are intentionally reporting the unauthorized debt as a much newer account than what it actually is.I have included a copy of my old credit report to prove at a minimum the account opening date is invalid. XXXX XXXX needs to validate this debt prior to continuing its collection efforts. Additionally, Experian has re-added this negative information although the previous owner has failed to provide any form of debt validation after being requested. Finally, I have filed an identity theft report to report this theft. .As stated previously, I did not authorize the opening of the account which is why I demanded validation of the debt in the first place.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS!

All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} **inquireies*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am lodging a formal complaint today to report that I have fallen victim to fraudulent activity. Upon conducting thorough research on the appropriate steps to rectify the fraudulent entries in my credit report, I discovered the necessity to file an identity theft report with the FEDERAL TRADE COMMISSION at https : //www.ftc.gov. As per FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report. Enclosed herewith are the relevant documents to facilitate the removal of the erroneous information and fraudulent items that have been inaccurately posted on my report. The following is a list of items that were opened without my consent : EXPERIAN : XXXX XXXX  Bankruptcy - XXXX - Reference # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy - XXXX - Reference # XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Debt collection

I have on XXXX separate cover and phone call requested collection company to provide me with a verification of debt and was never provided.,
Product: Debt collection

I am being ask to pay a debt that I remember already paid many many years ago. 

I requested Covergent to provide me the details about the age and amount of debt, including the copy of the last billing statement from the original creditor, a detailed explanation explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest, the date the original claims this debt became delinquent.
Product: Vehicle loan or lease

I have been having my credit drop while trying to repair it. Any information will be helpful