23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I believe that the Private Mortgage Insurance ( PMI ) on my home loan is ready or near ready to be cancelled based on the loan to value ( LTV ) ratio. Contrarily, Citimortgage has informed us that is not the case. We purchased our home in XXXX XXXX. In XXXX we began investigating ways to refinance the loan, however we were denied because of a reduction in home prices and income due to a job loss. By XXXX we began inquiring with Citimortgage about a loan modification, which we believed was possible through the Home Affordable Refinance Program. The process was painful and repetitive, involving multiple requests for similar documents worsened by changes in Citi staff, who often showed a lack of knowledge and concern for us. Miraculously, by the summer of XXXX we were able to successfully modify our loan, which saved us a modest {$400.00} a month. Throughout the process we understood that we were modifying our current loan. However, recently, when I inquired about the PMI, Citimortgage informed me that we actually had completed a conventional refinance, changing the LTV to the new loan price at the time of the XXXX closing. I disputed this understanding and was told that I should reference the promissory note, which I did. On the top of the document is prominently written, Consolidated Note and states that this note consolidates, extends, and modifies existing loan. We are confused. Furthermore, I suffered a job loss which caused loss of income and our home value had dropped significantly, precluding us from obtaining a conventional loan. We brought this to the attention of a friendly Branch Manager who reviewed our mortgage on an electronic database on her computer. She expressed some concern about the information then said that she could not speak to me about the matter. I asked her if she could refer me to an agent with whom I could speak. Instead she provided me with a mailing address to communicate with Citi. After several years of dealing with Citi in exhausting and overly complicated ways, we were reluctant to write. For example I have been on the phone with Citi employees discussing some of these issues for more than an hour with few or no resolutions.
Product: Debt collection

I requested debt validation according to 12 CFR 1006.34 ( C ) from an online information service certified green card receipt signed on XX/XX/XXXX. I received a copy of the billing statement from the debt collector, Online Service Information, of the original creditor, XXXX. A billing statement is not a validation of debt.

Per CFPB Generally, the Debt Collection Rule requires a debt collector to provide a consumer who owes, or allegedly owes, a debt five categories of validation information : Debt Collector Communication Disclosure ( 12 CFR 1006.34 ( c ) ( 1 ) ) ; Debt-Related Information ( 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) ; 34 ( c ) ( 2 ) ( ix ) ) ; Itemization-Related Information ( 12 CFR 1006.34 ( c ) ( 2 ) ( vi ) - ( viii ) ) ; Information about Consumer Protections ( 12 CFR 1006.34 ( c ) ( 3 ) ) ; and Consumer-Response Information ( 12 CFR 1006.34 ( c ) ( 4 ) ).

A model validation notice that provides one way to comply with these content requirements is provided in Appendix B to the Rule. Use of this model validation notice provides a safe harbor for compliance with these content requirements ( as well as compliance with the format requirements ).

I did not receive any of the following documents required as a debt collector ; not only that, but I have an email from the XXXX showing my final bill paid on XX/XX/XXXX, and no other payment was due. I paid my last bill on XX/XX/XXXX, closed all my accounts, and moved out. I will attach an email showing the conversation with the dispute department showing the final payment.
Product: Mortgage

I requested a PMI cancellation with Flagstar bank from most likely having 80 % LTV ratio due to the large appreciation value in properties in CA. i followed all the rquirements by Flagstar bank including submitting the PMI waiver form. However, flagstar refuses to listen to my request or carry out an appraisal sighting a " seasonal requirement '' of 24 months before i can make that request. I have only had the home since XX/XX/2020 and they will not fulfill the request due to this 24 month seasonal requirement. However, as stated on your website, " XXXX XXXX and XXXX XXXX, often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the HPA provides. But these guidelines can not restrict the rights that the Home Protection Act provides to borrowers ''
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 Customer Financial Protection act ( CFPA ). Specifically, 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 resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, And I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act USC 1681 ( i ) ( a ) ( 1 ) ( A ) Can you reinvestigate the completeness and accuracy of this accounts. 
Accounts Name Account Numbers XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate. ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several collections accounts listed on my credit report, which I believe were fraudulently opened without my knowledge or authorization. These accounts are inaccurate and must be removed from my report under the Fair Credit Reporting Act ( FCRA ). 
The fraudulent accounts are as follows : 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 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  These accounts were not authorized by me and are clear cases of identity theft. Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am requesting the immediate removal of these fraudulent accounts from my credit file.

Supporting Information : Under FCRA 611 [ 15 U.S.C. 1681i ], you are required to conduct an investigation within 30 days. Upon confirming the fraudulent nature of these accounts, please remove them from my report and provide written confirmation of your findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Signed up for a ( Free ) credit report from transunion. Nowhere on their page does is it readily apparant there would be a recurring fee of XXXX $ monthly. I noticed the charge immediately and contacted them as soon as they opening at XXXX. Only to receive absolutely no help whatsoever. I'm now in the process of trying to contact my bank to dispute the charge.
Product: Debt collection

On XX/XX/2019, I spoke with XXXX  XXXX they advised they have no reference of Portfolio Recovery Collection Services is reporting. I have attempted to contact the creditor and the number is none working. Portfolio Recovery Collection Services could not validate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT KNOW HOW MANY TIMES I HAVE TO REPORT THIS TO XXXX  XXXX XXXX XXXX TO EXPERIAN XXXX XXXX and XXXX BUT EVERYBODY WILL BE GETTING A DEMAND LETTER FROM MY ATTORNEY TO SHOW CAUSE AS TO WHY THIS IS STILL ON MY CREDIT REPORT. MY ACCOUNT XXXX  XXXX ENDING XXXX NEEDS TO BE COMPLETELY AND INDEFINITLEY REMOVED FROM MY CREDIT REPORT. IT WAS NOT OPENED XX/XX/XXXX AND EVERYBODY KNOWS IT. ATTACHED IS SCREEN SHOTS DIRECTLY FROM XXXX XXXX XXXX. MY ACCOUNT WAS OPENED IN XXXX AND CHARGED OFF IN XXXX. XXXX  PURCHASED THE DEBT XXXX OF XXXX. THAT IS NOT DATE OPENED. THIS IS TOO OLD TO BE REPORTING IT IS ILLEGAL AND I WANT TO BE COMPENSATED DUE TO MY RIGHT OF ILLEGAL REPORTING XXXX PLUS DAMAGES. SINCE IVE REPORTED THIS TO YOU NUMEROUS TIMES- PLEASE TELL ME WHY YOU DID NOT DO YOUR DUE DILLIGENCE ON MY BEHALF?
Product: Money transfer, virtual currency, or money service

My account randomly became frozen on XX/XX/XXXX under the caption " due to recent activity that triggered some security alerts. '' When I tried contacting customer support to try to figure out what triggered alerts and reactivate my account, I received a message stating I would be contacted via email in 5-7 days. In 6 days ( XX/XX/XXXX ) I was contacted via email and still received no definitive answer for what had happened to my account and why. The email stated that the case requires additional attention from another team and that they will reach out to me. Later that same day XXXX received this message : " I AM SORRY BUT THERE IS NO FURTHER INFORMATION OR DETAIL I CAN PROVIDE ABOUT WHY THE ACCOUNT IS Suspended. Do NOT, under any circumstance, tell the account holder that : they are being investigated ; their account is being investigated ; their account iwas suspended by XXXX XXXX or XXXX ; or any other detail or information about who actioned the account or why the account was actioned. '' Since this all began on the XXXX I still have no received information that can tell me what exactly was flagged or why i can't access my account. I have {$280.00} stuck in that account that I can't transfer because of the freeze.
Product: Checking or savings account

XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$20.00} A dispute was filed on XX/XX/XXXX for the transactions above. These are all XXXX XXXX. I was told that it is still under investigation, but they do not have to provide a provisional credit after 10 business days. 


( i ) Is received by the institution no later than 60 days after the institution sends the periodic statement or provides the passbook documentation, required by 1005.9, on which the alleged error is first reflected ; ( ii ) Enables the institution to identify the consumer 's name and account number; and ( iii ) Indicates why the consumer believes an error exists and includes to the extent possible the type, date, and amount of the error, except for requests described in paragraph ( a ) ( 1 ) ( vii ) of this section. 

( 2 ) Written confirmation. A financial institution may require the consumer to give written confirmation of an error within 10 business days of an oral notice. An institution that requires written confirmation shall inform the consumer of the requirement and provide the address where confirmation must be sent when the consumer gives the oral notification.
Product: Credit reporting or other personal consumer reports

Experian and XXXX is reporting a collection on my profile from XXXX funding. 
XXXX is reporting the date of last payment as XX/XX/XXXX. XXXX is reporting XX/XX/XXXX. 

This is an inaccuracy on my credit profile. per FCRA 15 U.S.C 1681i The companies report that the account meets fcra requirements however this inaccuracy is still present.

Per FCRA 611 ( 5 ) ( A ) ( i ) - ( ii ) if after a re-investigation under paragraphs ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate m or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher that information that the information has been modified or deleted from the file of the consumer the bureaus investigated this account previously and held that the information was accurate, however there are still incomplete, inaccurate, inconsistent information on my profile and I would like the account promptly deleted Credit report attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER FCRA LAW, account could not be validated or verified and collections have ceased. REMOVED all collections as well as XXXX  XXXX XXXX  from my report.
Product: Checking or savings account

PNC Bank lost my Stimulus Check. On XX/XX/2021, I received my {$2400.00} stimulus check. I signed the back and so did my husband, since his name is on the check. I deposited the check at my branch through the ATM machine. The next morning, I checked my account & seen the check was deducted out of my account. I called the bank and they told me since my husband 's name wasn't on the account, I couldn't deposit the check without him being present to show his ID. We live really close and I told them, e & my husband would come to show our ID. I was told by the banker, that PNC would mail me the check & they no longer had the check at the branch. I called the PNC 1800 number a couple days later and was told the check could take 2 weeks to get to me, but it was mailed out. They stated there wasn't a tracking a number on the check. I think with an amount of a check over a XXXXXXXX dollars, they should have a tracking number. Well, a month goes by and still no check. I decided to go to the branch. I went to the branch and talked to a banker. He checked my account and seen when the check was deposited and then taking out. He told me the check was mailed out the next day. He called the 1800 number to confirm everything and once again I was told the check was mailed out. I then was told to contact the IRS. I contacted the IRS and was told, since the check was already endorsed there is nothing they can do about it. PNC lost my check and basically is telling me too, they can't do nothing about it! Why wouldn't PNC but a tracking number on a check over a XXXX dollars? Now, I'm XXXX and don't know what to do. I'm starting to think someone in that bank took my money
Product: Credit reporting or other personal consumer reports

In early XXXX, I received notice from XXXX XXXX  that they were reducing my available credit to what my balance approximately was. The reason giving was one late payment ( which was paid without penalty after only a few days, after which I set up automatic payement ) and over utilization of credit. By lowering my credit score to match my balance, this creates the very problem they are complaining about ( overutilization ) and damages my credit score. This also sets the stage for other credit cards to arbitrarily lower my available credit on their cards because over " over-utilization '' further worsening my credit score and exacerbating a problem that didn't exist until XXXX first reduced my available credit. 

I fail to see how a bank or credit card company benefits by purposefully damaging my credit score and creating a snow ball effect destroying my credit, especially since I have paid on time and make more money than I ever have in my entire life. My credit score was in the low XXXX 's until synchrony took this action. Earlier this week, I received notice from XXXXXXXX XXXX XXXX XXXX card that they were taking the same action. My credit score now sits in the low XXXX 's, and this is after paying on time, having a mortgage and car, and making more money than I ever had. I now stay awake wondering which credit card company will be next, and how far down will my credit go -- even though I have made all payments on time! I did nothing to cause this decline -- the credit card banks did. I fail to see how destroying a person 's credit standing helps these company mitigate their risk, I would think it would increase it every time the score is hit for " over utilization '' caused by the credit card company NOT THE CONSUMER! 

If they are worried about risk, there are other ways of dealing with it other than destroying peoples credit. They were the one 's who extended the credit and set up the reporting system. They can deal with risk by suspending or denying further charges, or not giving out so much credit to begin with.
Product: Checking or savings account

On XX/XX/2019 I received an email from Wells Fargo inviting me to open a checking account and offering me a {$200.00} bonus after qualifying transactions. The email stated : Banking is easy with Wells Fargo. Qualify for a {$200.00} bonus by opening a checking account and completing these steps : Open a new eligible Wells Fargo consumer checking account with a minimum opening deposit of {$25.00} by XX/XX/2019. Use your account by completing ONE of the following : Set up and receive 3 consecutive monthly direct deposits of at least {$500.00} each month within 150 days of when you open your account, OR Use your Wells Fargo debit card to make 10 posted purchases or payments each month of at least {$1.00} for 3 consecutive months within 105 days of account opening. 
On XX/XX/2019 I applied for an everyday checking account with an opening deposit of {$50.00} and used my personal promo code XXXX that was sent on the invitation email. Later the same day I received a confirmation email informing me that my account had been approved. I made 10 online purchases of at least {$1.00} on XX/XX/2019 with my debit card, another 10 online purchases of at least {$1.00} on XX/XX/2019 and another 10 online purchases of at least {$1.00} on XX/XX/2019 which satisfied the conditions of the offer. I was supposed to receive my {$200.00} bonus within 45 days after meeting the offer requirements and I did not so I contacted Wells Fargo through their message center on XX/XX/XXXX inquiring about the status of my bonus. I received a reply the same day telling me they were going to research the issue and would send me a letter within 14 business days. I did not receive such letter so I sent another message on XX/XX/XXXX inquiring about the status of the bonus and I was told the following A credit for the promotion wasn't issued because the requirements of the campaign weren't met. Here are the requirements that needed to be met to receive the promotional credit : Customer has not met following qualifications -Within 105 days, 10 purchases and payment, at least {$1.00} each, with WF Debit Card each required timeframe for 3 consecutive timeframes OR - Within 150 days, {$500.00} in qualifying Direct Deposits per month for 3 consecutive months.
Product: Debt collection

I am requesting a copy of IRS Form 1099-C for the canceled debt associated with my account. Here are the account details : Account Name : Comenity Bank/Torrid Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Charge-Off Amount : {$610.00} Date of Charge-Off : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID.

A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.
5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to XXXX, Equifax, XXXX  credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and others. I have not lived at the address associated with these accounts and I have documentation to prove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my granddaughter went in to XXXX XXXX XXXXXXXX XXXX to test drive a car. We told them that we were preapproved by XXXX  and did not need their credit. Without our permission they ran my credit through 4 companies and now my credit report shows 4 hard inquiries for something that I already had approval for. 
When I contacted them they said sorry the financial guy must have made a mistake and not to worry all 4 would show as one for an auto loan. That is not the truth. 
I tried to contact experian and they said I can't dispute this online. I asked the XXXX sales manager and dealer for a letter asking them to remove these inquiries from my records but they have never responded to me. 
My credit report shows poor now and I need this fixed. i have attached the letter that shows my prequalification from XXXX on XX/XX/XXXX and also a list from my credit report that shows the 4 inquiries they ran on XX/XX/XXXX.