23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

It has come to my attention that Bank of America ( B of A ) failed to remove property mortgage insurance ( PMI ) from my FHA loan once I reached the required 78 % loan to value ( LTV ) ratio. As a result, I would like to request reimbursement for all PMI payments in excess of the 78 % LTV once the lender was required to automatically remove the additional fee. 

My loan has since been transferred to XXXX XXXX XXXX ( XXXX ) as of XX/XX/2018 whom bought this matter to my attention. My principal balance was {$150000.00} when it was transferred to XXXX. And, based on my purchase price of {$200000.00}, my LTV was at 78 % wjhen my principal balance reached about {$160000.00}. Therefore, it is necessary for B of A to conduct an analysis of my old mortgage account and reimbursement me for all PMI payments made after my loan reached 78 % LTV
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The Credit Bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was not authorized CREDITONEBK Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please Delete Immediately .5Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please Delete Immediately 7. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 8. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX  XXXX Account Number : XXXX Please Delete Immediately
Product: Consumer Loan

this is my second car financed through nissan finance. i took a deferred payment in XXXX 2014. they never told me they were sending me any paperwork to sign, neither did they send any. XXXX/XXXX/14 - XXXX. XXXX, male rep - i got a call my payment was late. i informed the woman i had a deferment, which she acknowledged. she told me i had not signed the papers and sent them back. i informed her no paperwork was sent to my XXXX XXXX or physical address. at the time i was visiting my daughter in another state. i asked them to send the paperwork there and to note the account nothing was ever received. I phoned them weekly no paperwork came. i believe it was a couple of months later and only after i asked the female rep. to send them certified to me did they finally arrive. i signed them, copied them and mailed them. months later and after checking my credit report I noticed they marked me for a late payment. I called to be told I had a late payment in XXXX. I believe nissan has me late for XXXX, XXXX and XXXX. I have never paid any of my payments late. when I purchased my first car i sent a payment in and received a phone call my payment was late. this payment was sent certified. it arrived on time. I did this because i noticed they were posting my payments close to the end of the grace period. upon phoning nissan i informed them they are supposed to stamp and post the payments for the date the payments arrived. I was told by a male rep. they do not do that. that is when i started paying on line which cost me an additional XXXX. I sent a letter of complaint which nissan tried to justify their actions. later received a phone call from a female in the corp. office who returned my online fees and the money i spent to send it certified. I believe nissan is still posting payments whenever they want. I now payonline and am charged an additional XXXX when i get a chance i will send a payment certified again to see if they are posting it when it arrives or whenever they feel like it. I do not like this company. I am trying to get my credit back to a good standing so i can finance through my bank. their customer service is horrible.
Product: Debt collection

On XX/XX/2023 received a letter from a company that I owe them money, but yet to send any type of supporting documentation that the alleged debt belongs to me. The company has violated my consumer right to privacy as well as a few other consumer laws as well. I want this account removed from my consumer report immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am concerned that information is being reported without being provided with the supporting documentation I requested to fully verify all information is truly correct.
Product: Credit reporting or other personal consumer reports

I sent a communication to UPGRADE INC, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( UPGRADE INC AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed multiple times with Equifax and the dispute comes back verified. I want actual proof showing that every debt that i have disputed has been verified. I have not got shown anything. I am demanding how they verified that every account has been verified. Including contracts, agreements, written consent that I have agreed to a certain account. I want full documentation to show that i was the one who signed the contract. If not i want everything i have disputed removed and taken off from my credit report that is not mine. Multiple address and phone numbers as well. Confirmation numbers for disputes are XXXX and XXXX. I want equifax to send verification that the accounts were actually verified.
Product: Credit card

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ONMY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS XXXX BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORTAS SOON AS POSSIBLE. 

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

XXXX and Equifax has debt collectors on my credit report that aren't supposed to be there including charged off accounts they are supposed to remove which is bringing my credit score down severely they have had multiple data breach 's and still don't accurately look into this information as these debts are often times from cities and states I've never been to or was associated with
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2024 I mailed via USPS certified mail a Letter requesting the following below : 5-day period specified in 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) begins after the credit reporting agency ( CRA ) completes its reinvestigation of the disputed information on your credit report.

**Subject : ** Request for Compliance with FCRA 5-Day Notification Requirement and Description of Reinvestigation Procedure **Re : Account Number XXXX Bank Dear Sir/Madam, I am writing to formally dispute the accuracy of the information provided on my credit report related to the above-referenced account. I have previously disputed this information, and the results of your investigation indicated that the information was " verified as accurate. '' However, I have reason to believe that this verification was incorrect or incomplete. 

Legal Obligation Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), when a reinvestigation is conducted, the credit reporting agency is required to provide the consumer with written results of that reinvestigation within 5 business days of its completion. Additionally, the consumer has the right to request a description of the procedure used to determine the accuracy and completeness of the information, including : 1. **The business name and address of any furnisher of information contacted** during the reinvestigation. 
2. **The telephone number of such furnisher, ** if it is reasonably available.

Request for Immediate Action Given this legal context, I am requesting the following : 1. **Written notification** of the results of the reinvestigation within 5 business days of its completion, as required by law.

2. **A detailed description of the procedure** used to verify the accuracy and completeness of the disputed information. This should include : - The business name and address of any furnisher of information contacted.

- The telephone number of such furnisher, if available.

3. **Clarification on whether an interview was conducted** with the business or entity that furnished the information during the reinvestigation process. If an interview was conducted, please provide details regarding the scope and findings of the interview.

Consequences for Non-Compliance Failure to comply with these legal requirements could result in statutory penalties, including damages and attorneys fees, as provided under the FCRA. I expect that you will adhere to these legal obligations and provide the necessary documentation within the legally mandated time frame.

Conclusion Please confirm receipt of this letter and ensure that the reinvestigation and corresponding notifications will follow the procedures required under the FCRA. Your prompt attention to this matter is greatly appreciated.

Thank you for your cooperation. 

Sincerely, my name was inserted here On XX/XX/year>2024 the letter was received and as of XX/XX/year>2024 I have not received any correspondence from Equifax with details on the investigation and by law they only had 5 days to respond which it has been over that time period
Product: Mortgage

Based on the Foresnic Analysis, I discovered truth in lending and preditory violations in my loan. Therefore the third party debt collector ( PennyMac ) needs to be investigated.
Product: Payday loan, title loan, or personal loan

I have never received a loan from check n go NEVER. All of a sudden this month when I checked my credit score and reports, I seen a collection for check n go for {$590.00}. Once again I never applied for a loan or received that money At all. At this point Im pretty certain its fraud because on my XXXX app it only shows this month and this month only which is weird and then they reported to collections in the same month. I tried to dispute it twice and they wont take it off so Im trying to find more alternatives to get this off my credit knowing I didnt apply or got the money .And its not right nor fair for this to be on my credit and i didnt do it at all. And I was a victim of identity theft and I hope and pray this is not another incident
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax. 

What would be a fair resolution to this issue? 

Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report. Please review the attached letter. Thank you for your assistance.
Product: Credit card or prepaid card

I have timely disputed a {$38.00} credit card charge placed on my CapitalOne card ending in XXXX by XXXX XXXX, on XX/XX/2019. I purchased a {$38.00} worth of gas, but my card was charged twice. I filed a dispute with the credit card issuer, Capital One Bank. Capital One Bank sent me computer generated copies of the invoice. It appears that CapitalOne Bank has been invoiced twice for same purchase and then I was billed me twice for what was a single purchase, a billing error caused by a computer glitch. I repeatedly asked CapitalOne Bank to contact the merchant and obtain any documented evidence of my indebtedness, more specifically my singed receipt, purchase agreement or any tangible proof showing that I accepted any goods for services in excess of the original {$38.00} charge. CapitalOne Bank failed and refused to help me in obtaining documents from the merchant. What I have been receiving from the bank is identical letters requesting unspecified information to validate my dispute. All my attempts to contact the Bank to find out what specific information is need needed to validate the dispute were to no avail. I provided the company with the copy of my purchase receipt clearly showing a single charge as well as evidence of my contacting the merchant. 

The federal law, the Federal Truth in Lending Act ( Regulation Z ), requires creditor to either contact the merchant and request documented evidence for the underlined indebtedness or make the credit permanent. Capital One has done neither and is holding my {$38.00} resulted from double billing.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my permission, which has hurt both my credit and my score. Even though I reached out to Experian and was assured that these inquiries would be taken off, theyre still showing up. The fact that these unauthorized and fraudulent inquiries are still there is making me really anxious, since it suggests possible identity theft. This whole situation is adding to my stress and making things even worse for my credit score.
Product: Debt collection

I have received multiple calls from multiple people claiming to be from STP Management saying they are attempting to collect a debt. I have twice asked the person on the phone to send me via US Mail the paperwork connected to this debt and when asked they become hostile on the phone. Today I received a call from the listed number saying his name was XXXX and his message was somewhat threatening in tone, like mafia like threatening. This company is listed all over the web as being a scam or operating a scam and someone needs to look in to this.
Product: Debt collection

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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication. 
Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I am not informed about them, and the company did this without asking me.
Product: Checking or savings account

I deposited a cashiers check at Navy Federal Credit Union. The source of the funds is from an account that we have at XXXX XXXX XXXX. I was told by the cashier that the funds would be available in two days. The bank sent a message saying they suspected fraud and believed that they would not be paid for the check and were delaying the release of funds. I contacted them to let them know I was the source of the check and I knew it was good and asked why they thought the cashiers check that I paid for was fraudulent. They refused to give me any information.
Product: Credit card or prepaid card

This Complaint is a Complaint about the CFPB! I CAN '' T believe you closed my Case! Is this what you are paid to do? Just give lip service to the consumer while these Corporate Banks wipe their feet on us? I Could very well Be XXXX  soon because Netspend Locked MY ACCOUNT FOR NO REASON! I can't even buy a {$.00} bottle of Dishsoap because Netspend has ALL MY MONEY LOCKED UP! And YOU listened to what their Rep had to say AND Closed the CASE! The lady at Netspend said that she called my phone # twice and I didn't answer and that I never called her back or responded to her email. I call XXXX.! I recieved XXXX calls from a Toll-Free number that I had never seen before but I answered the calls and there was NO ONE on the other end! I asked Hello XXXX  times before I hung up. There wasn't even breathing on the other end. When I recieved her email I called the toll free number and it went to Netspend 's phone system and then transfred me to XXXX XXXX ( I Think it was XXXX, started with a V, Have it on my phone still ), office and got her Voice Mail. She never called back. I called XXXX  times and left XXXX voice mails to call me. Never heard from Her. I left XXXX emails, Never got a reply. And then I get your email stating the case was closed on what she told you. XXXX.! Tells Me where the consumer stands! The Worst Part is I am still waiting on My XXXX ID it's been almost XXXX weeks and when I get it I am still hoping to do business with XXXXNetspend because they are my best option for a prepaid card. The XXXX XXXX Card that SSI uses is the MOST XXXX Debit Card Company out There. They might even be more crooked then our Politicians! Wait, It was the Politicians who Picked XXXX XXXX! Getting That legal XXXX money they call Political Donations. Thanks For almost NO Help CFPB! I Just go off and starve to death by myself!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report, dated XX/XX/2023. While reviewing my report i noticed there were a couple hard inquiries that don't have permissible purpose to be on there. These hard inquiries have affected my credit score in a negative way, and are causing an issue with me financing a new home. I've reached out to the creditors to address the issue, but have not had any success in getting this removed. 

At this point I feel that the creditors continue to ignore by complaint by violating my rights under code 15 USC 1681b. I've attached the hard inquiries referenced above that don't have permission to be on my credit report.