23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The last complaint I filed was closed and unresolved. The company DID NOT in any way answer the REASON for my complaint or certified letter, so here is a new complaint. 

I have explained clearly, multiple times now, that we put in a request to remove the PMI on our property due to SUBSTANTIAL HOME IMPROVEMENTS. 

Flagstar 's PMI Removal Request has three ( 3 ) reasons to submit the form ( quoted word for word from their form ) : 1 ) " Principal balance reduction '' 2 ) " SUBSTANTIAL HOME IMPROVEMENTS made to the property increasing the value '' 3 ) " Appreciation of property value '' For the love of all things that are holy or cursed : WE. SUBMITTED. THE. PMI. REMOVAL. REQUEST. FOR. REASON. NUMBER. TWO ( 2 ).

Gon na spell it out slow : W-E M-A-D-E B-I-G I-M-P-R-O-V-E-M-E-N-T-S T-O T-H-E H-O-M-E. 

We remodeled several parts of the home, thereby increasing its value. 

Why XXXX, WHY does Flagstar keep ignoring the actual reason we requested to have the PMI removed?? 

Their denial letter to my form didn't answer this. 
They ignored my certified letter completely. 
They once again didn't answer it in my first complaint through CFPB. 
So here we are again. 

How is it possible for these people to literally keep ignoring over and over and over and over, the actual reason for my complaint and the reason we asked to have the PMI removed?? This is insanity. C'mon Flagstar, read the XXXX letters and give me a straight, non-BS answer. 

All they keep saying is our LTV % is " too high ''. The number they keep giving is the appraisal divided by the balance owed. THE HOME IMPROVEMENTS WE HAVE MADE HAVE NOT BEEN FACTORED IN ONE SINGLE TIME BY FLAGSTAR. 

What is sounds like, is they are trying to force us to get a new appraisal ( reason # 3 on their PMI removal form ). However, we submitted the form for reason # 2 ( substantial home improvements to property ). This has STILL not been addressed.
Product: Debt collection

This HORRIBLE company has repeatedly tried to contact me on a debt that is not mine for {$1300.00} I've sent them a letter via CERTIFIED MAIL/RETURN RECEIPT they received on XX/XX/19 asking them to stop calling me and to prove the debt is mine. They have failed to provide me with a signed contract with my signature that shows I entered into any contractual agreement. They have sent me a very graphic and threatening text message to try to scare me, to my phone, with continued phone calls, false reporting on my credit reports, contacting my relatives, and other third parties. including getting robocalls. 
You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
I intend to follow through with the suit if I do not hear back from you within 15 days.
Product: Credit reporting or other personal consumer reports

My social security has been stolen and i see on transunion that someone on florida is using my social security! I live in XXXX never traveled to florida i had call the police in XXXXXXXX florida and theres an investigation going on i filed a dispute i did everything i can i want to make sure my social not being use by nobody else with different adress i only live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and shows 2 numbers thats not mine these are the numbers XXXX XXXX XXXX  So what are we able to do here there has to be done something this is fraud! Are you able to call the police and inform them as well?? Or whats going ti be done here because this is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act Auto Loan Account starting in XXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 

15 U.S.C. 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/XX/XXXX RE : CFPB Complaint # XXXX Experian Report # : XXXX Acct : XXXX XXXX XXXX Dear Experian, In response to a CFPB complaint, I filed XX/XX/XXXX. XXXX Lets being by stating first that as a CRA it is your duty to report accurate and verifiable information. Experian has failed to do so, on more than 5 occasions on this account alone. Its beginning to look very obvious that you either incapable or unwilling to do just that. 

Per FCRA information that can not be verified must be deleted this is the 5th time you have verified this account as accurate and updated and it still is not. If this account gets updated and verified as accurate ( 1 ) more time I will be seeking litigation for FCRA violations. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Furthermore, this reinvestigation has still failed to : - Yield me any verifiable proof of you procedures or how you verified this account. 
- You have even failed to give me a name, number, time and date of person who has verified this account. 
- XXXX XXXX is not a verifiable person nor should it be used for these situations per FCRA. 
- You even report late payments on this account without giving me proof of how you verified these late payments - Once again, for the 5th time you verified and updated information, which is wrong and can be proven to be wrong instead of just removing this unverifiable account like requested 2 months ago. 
If you can follow along with the simple instructions, I am giving to you. Please look at page 2
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I have asked multiple time for all notes and recorded calls to verify that I have been calling in on both account since inception of both Personal and Business accounts. I spoke to the XXXX  office at Wells Fargo numerous times as should be recorded. Every time they close the accounts without divulging the notes or crediting my account. Wells Fargo has gone as far to say okay looks like you have over {$1700.00} in overdraft fees on your business account we will refund half, I asked how they came to that decision as I have been calling since the inception of both accounts. Why would you only refund half then sent out checks on just my business account overdraft fees but not my personal account. When I spoke with them concerning my personal account nothing was done about that. Since I have not received anything of what I requested. I have filled in small claims court for both accounts. 

I had to let the personal account go negative because they kept letting funds be pulled after the account was at a XXXX balance> When I contacted them concerning this about my personal account NOTHING was done, and they ended up closing the account for to may days negative instead of returning funds as insufficient funds. Wells Fargo did not review of offer to review the account for overdraft fees nor did they get the requested notes and call verifying i have been calling in for XXXX  years asking them to stop letting money come out of my account if I'm at a XXXX balance. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Product: Mortgage

I'm interested in removing escrow from my mortgage with Ally bank. I reached out to them via secure message on XX/XX/23 and have been back and forth with them for over a month. My most recent message came on XX/XX/23. They denied my request and when I ask to see where in my loan documents it says that I can not remove it, they send over a form that actually says : " you may be able to remove escrow '' and has my escrow account option checked as " for now ''. 
I've tried speaking with them on the phone on XX/XX/23 and they refuse to send me the conditions for removing escrow or the form from my loan documents that says I can not remove it. 
If there was a form that I signed that said that I could not remove escrow, I will be satisfied. Since they haven't provided that, I think their denial is for the benefit of their company 's finances. 
Thank you for your help. 
XXXX XXXX
Product: Credit card or prepaid card

Following our application for a Mortgage loan XX/XX/2021, we have since received TWO " Prepaid Credit Cards '' in the mail, both within a week of each other. 

HOWEVER, WE DID NOT apply for these. 

WORSE YET, they were in the names of two different people who we have no clue who they are. These are both addressed to OUR address where we have lived for almost 13 years with these strangers ' names. 

This appears to be two cases of fFRAUDULENT USE of our credit report. 

The two companies and the the fraudulent appliers are : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Prepared in the name of XXXX XXXX U.S. BANK ReliaCard, XXXX XXXX XXXX, XXXX, IN XXXX Prepared in the name of XXXX XXXX I have not contacted the companies yet, concerned that the call will activate the cards, even if I have not made a deposit. I don't know if they have somehow attached to our Bank accounts and will attempt to make a deposit from them once the card is activated!!?!?!?!?!?!? 

How can we stop this??
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 XXXX acct # XXXX and XXXX XXXX # 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: Debt collection

XXXX is saying I had cell phone account with them. I didn't sign XXXX. Not sure what are charging me {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  1 ) XXXX bank account # XXXX, has violated my rights. 
2 XXXX XXXX XXXX account # XXXX, has violated my rights XXXX ) XXXX account # XXXX, has violated my rights. 
4 XXXX XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX, has violated my rights. 
6 ) Maryland XXXX XXXX account # XXXX, has violated my rights. 
7 ) XXXX  XXXX account # XXXX, has violated my rights. 
8 ) XXXX account # XXXX, has violated my rights. 
XXXX ) XXXX  XXXX account # XXXX, has violated my rights. 
10 ) XXXX XXXX rec Account # XXXX, has violated my rights. 
11 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
12 ) 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. also states a Consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

My problem is with CitiCards. On XX/XX/XXXX I mistakenly made an online reservation with XXXX for lodging at the XXXX XXXX in XXXX Utah for XX/XX/XXXX and XX/XX/XXXX. While I was led to believe that I was speaking directly with the XXXX XXXX I was instead speaking to a reservation clerk at XXXX. I did this on my XXXX and clicked on a site that said XXXX XXXX reservations. I am a senior ( XXXX years young ) and did not look carefully enough. I also believe XXXX purposefully makes clicking on their site an easy distraction for people like myself as a means of deception. However, my complaint is with CitiCards. Once I realized my error I immediately called the XXXX XXXX and explained what happened. As I was within the required 24 hour cancellation period, they agreed to refund my payment. However they sent it back to XXXX ( See attached ). Since then I have tried numerous times to get a response from XXXX and failing that have lodged my complaint with CitiiCards. I expected that they would act on my behalf ( See attached ).  Citibank charges are for {$750.00}. I don't understand why I have not received reimbursement as I have submitted documents substantiating the check from the XXXX XXXX back to XXXX. Thank you for consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested credit reports on line from all three major bureaus, XXXX, XXXX, and Trans Union.  XXXX and XXXX responded properly. Trans Union said it could not provide my report and I must request it via XXXX, which I did. It then responded that it could not verify my address and asked for two pieces of proof, which I provided. It then responded that my report is " suppressed. '' I believe this attempt to avoid providing my report to be a violation of the Fair Credit Reporting Act and am requesting any assistance you can provide. Thank you.
Product: Mortgage

Lender acquired insurances at a much higher costs than the original insurance amount I previously paid with them, without consulting me. The estimated amount exceeded what I agree to pay. The lender has included an extra amount into escrow amount without consulting me, which is causing a drastic increase in my Mortgage payments from {$2100.00} to XXXX. Making my payments {$320.00} in difference from the original agreements and by doing this they are deliberately creating a Billing default or wrongfully declaring a default in order to generate fees and penalties or to acquire the property. Guild Mortgage is wrongful failing to honor a loan agreement. The Lender ( Guild Mortgage ) claimed that the increase in the insurance amount was the main cause in the increase of my escrow. Guild Mortgage stated that the new payment amount would take effect beginning XX/XX/2022, and prior to that date I have acquired my own Property insurance and have paid it in full. I have provided that information to Guild on XX/XX/2022, and yet they refuse bring my mortgage payment back into the original payment amount of {$2100.00}. Claiming that they must re analyze the payment amount but yet they consist on making me pay {$2500.00} payment for XX/XX/XXXX, XXXX which I have offset by paying my insurance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and it looks as if I have alot of credit injuries that do not belong to me. I even have some that show up on more than once and on multiple dates. I 'm unaware of these injuries. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to TransUnion, which was delivered at  XXXX   XXXX  on  XXXX   XXXX ,   XXXX   in  XXXX , PA  XXXX  asking them to investigate. On  XXXX   XXXX ,   XXXX  , TransUnion sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any informa tion can be disputed and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a struggle. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency.
Product: Credit card or prepaid card

On Wednesday XX/XX/XXXX spoke with a Jade after XXXX and advised her I didnt have the card. She stated to me she was unable to change my address in the system to get a new card - and told me there is money on the card and its inactive- well yea it expired in 2019 and never got sent a new one. I need a new one I have been calling every day since and I have been on hold for almost 6 hours before I hang up. 6 HOURS?! Someone should have answered by then, and this is happening more than once. I have done a change of address at the post office so if she sends the card to my old address I will still get it. I need my funds my rent is due and these people dont answer the phone and she never offered to go ahead and send another one she just wanted me to call someone else. I called those people and my address was updated so someone XXXX  up and I need my money I dont have any food and my car note is due and my rent is due I dont want to be living on the streets. My landlord said I had to pay my rent. I have money on the card its my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance to Section 605B of the FCRA you have determined that my request was either made in error, a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? All of the reasons that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX A ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Thank you
Product: Credit reporting or other personal consumer reports

I did not authorized nor consent any of the following accounts and inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts are negatively affecting my credit rating and violating my rights be removed or block from my credit report.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX i requested a security freeze online, submitted required documentation drivers licence and copy of lease. Did the same with XXXX XXXX, XXXX, and XXXX all request granted except core logic. I was told that the core logic no longer provides credit freezes to consumers, red flags XXXX is blocking my credit freeze for core logic to keep negative information inaccurate information on my report. Staff at core logic are not respecting my rights as a consumer to place a security freeze on my credit, the same is true of XXXX. Missuse of my personal information without my consent and the information is not up to date, it's in accurate. Request was made for all at the same time