23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I took a loan with CitiMortgage. The loan included PMI. I made a large principle reduction to get the loan down to 26 % loan to value even though the loan was only 9 months old. Citi requires that I pay {$380.00} for an appraisal so I can save the {$59.00} per month PMI.
Product: Money transfers

On XXXX XXXX a request was made for funds to transferred to a recipient via PayPal. That was accepted and the two minutes later canceled by the recipient. The funds were still drawn from the XXXX XXXX account on XXXX XXXX. I the sender contacted PayPal on XXXX XXXX to also cancel the transaction. A service representative informed me that since the recipient was the XXXX to cancel the transaction, the funds would still be drawn and would reject automatically from her PayPal account and would be refunded back into my PayPal account in XXXX to XXXX business days. After the XXXX business day I called PayPal because the funds were not in my account, and I was told that PayPal never received the funds from XXXX XXXX. I then called XXXX XXXX and opened a claims case to determine what happened. XXXX XXXX said they would investigate and I would be contacted in XXXX5 business days. I was never contacted and when I called XXXX XXXX and was told that my case was closed and they would not be refunding my money. I was given the trace number and was told to go back to PayPal with it. I did so, I faxed PayPal a copy of my bank statement showing {$1000.00} was drawn, and provided the trace number showing completion of transaction. I was then emailed by PayPal that they did not have the funds and I would have to contact XXXX XXXX to have them trace the funds. I have gone back and forth without a resolution since then. I have XXXX XXXX information but PayPal would not give me proof that the funds were not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX said that that my bankruptcy was verified through XXXX and I have a security freeze on there they stated that they got the information from a third party company
Product: Credit card or prepaid card

CHASE can delete the whole online account and not just the credit card ending in XXXX. And not mail all statements but just the statements with remaining balances ). 
Overall Chase system is full of glitches, with its representatives having difficulty comprehending ( unless I'm not conveying well ) and I'd rather be done with this. 
Thanks for your help.
Product: Credit reporting or other personal consumer reports

I am writing to report a data breach that has compromised my personal credit information. I recently discovered unauthorized activity on my credit report, which suggests that my sensitive information, including my Social Security number, account details, or other personal data, may have been exposed or accessed without my consent. I am concerned about potential identity theft and financial harm resulting from this breach.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove these unauthorized inquirys from my credit report, i have no knowledge of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an Alert About an Inquiry from XXXX.. I DID NOT AUTHORIZE THIS INQUIRY., And Cleary this is Identity theft / fraudulent use of my credit information, I immediately called XXXXXXXX XXXX Fraud Department on XX/XX/2021 @ XXXX Eastern Standard Time and spoke to XXXX Located in the XXXX who is a Fraud SpecialiXXXX who gave me the reference number of XXXX .. I again called on Friday, XX/XX/2021 @ XXXX Eastern Standard a time and spoke to a one XXXX Representative from the Fraud Department by the name of XXXX XXXX located in the XXXX and he noted they will delete the Inquiry from my three credit files. And a letter will be sent out to me in 7-10 business days..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is furnishing false, manipulative, deceptive letters stating to me ( the consumer ) that XXXX has removed items disputed ( Bankruptcy Case # XXXX, XXXX & XXXX from my file however, XXXX & Experian confirmed that all items furnished on my credit report remained that is furnished from the third party XXXX. In addition, XXXX, Experian & XXXX refuse to furnish me updated documentation of my file displaying items disputed were removed Moreover, XXXX will NOT furnish documentation that my file is permanent on freeze & suppressed.
Product: Student loan

On XXXX XXXX XXXXXX/XX/XXXX, I received a letter from Mohela. Part of it states exactly under Annual Recertification " You won't be required to recertify before payments restart in XX/XX/XXXX, and the earliest you could be required to recertify is XXXX months after the payment pause ends. If you recertification date falls between now and XXXX months after the pause ends, it will be pushed out by XXXX year. '' It says my payment restart date is XX/XX/XXXX. XXXX months after XX/XX/XXXXXXXX XXXX XXXX 

On XXXX XXXX XXXX I receive a letter from them saying my recertification date is XXXX XXXX XXXX  ; since XX/XX/XXXX is before XX/XX/XXXXXXXX I expect it to be pushed out by XXXX year. 

On XX/XX/XXXX, I contacted Mohela after checking their website, and it said my IDR recertification date was still XXXX XXXX XXXXXX/XX/XXXX. I spoke to a representative who informed me this is normal and once their systems go from XXXX to XXXX, my IDR date should get pushed out as part of that processing. I am happy with this outcome. 

XX/XX/XXXX : I check the website to see if the IDR date has been pushed out and it was not. I contact Mohela to inquire. During this call, I am told by their automated systems that my XXXX recertification date is XXXX XXXX XXXXXX/XX/XXXX and if I do not recertify by this date, my payments will increase to approximately {$430.00} per month. I speak to a Mohela rep, XXXX, who is unable to help me after I explain the situation and transfers me to another department. I then explain the situation again to another rep, XXXX and she is unable to help me and transfers me to another department. I then speak to a third representative and explain the situation again, at this point I have been on the phone for over an hour, the vast majority of it on hold. This representative tells me my actual XXXX recertification date is XX/XX/XXXX and provides no proof to back that up except for claiming " my system says so '' ; meanwhile I have letters and a picture of my online account stating that the XXXX recertification date is XX/XX/XXXXXXXX  AND I my payments will increase if I do not recertify at that time. If " the system says so '' then why was I repeatedly given false information? This agent then tells me I can REQUEST that my recertification be pushed out by XXXX year, but this will take XXXX business days ( XXXX months basically ) and I will lose my XXXX plan because it says I will be taken off on XX/XX/XXXX, and even if they are correct ( I have no reason to believe so at this point ) that it will end on XX/XX/XXXX, that is still before the XXXX month time it will take for them to process this, making the entire thing essentially moot.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 XXXX 




XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$1200.00} ; ACCT XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

Account Name : XXXX XXXX  XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Debt collection

This company NCB Management Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX is trying to collect on a debt without a proper license in Florida At this time I am requesting this company cease and desist all collection activities and remove this collection account from my credit reports they don't have a license to do business in FL this account has been written off by original creditor XXXX XXXX Account number ( XXXX ) and given a tax credit which neither company has sent me a 1099 form which is required 5 days after sale of debt. I reserve the right as a consumer to have accurate information reporting on my credit file under the fcra, thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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

i am a victim of identity theft. The information attached, which appears on my credit report, does not relate to any transactions, medical care or phone service I have made. It is the result of identity theft.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open options Account # : XXXX CAINE & WEINER COMPA Open options Account # : XXXX XXXX5 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. You MUST provide me a WET INK signature or I'm forced to take legal action against a company that falsely attempting to collect a debt I don't owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 SUNRISE CREDIT SERVICE : XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years.

15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a 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

Recently I saw a Late Payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXXXX/XX/XXXX
Product: Mortgage

I am in contact with XXXX XXXX XXXX again. I am waiting for their response. I would like to resend the {$1600.00} returned to and make another payment of {$800.00} on the XXXX of this month. 

I am serious about getting this manner handled. Could you please ask for this company to work with me so that we both can be happy.
Product: Credit reporting or other personal consumer reports

My account with Gateway 1 was never late! I have had exceptional payment History With Gateway 1 and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/2018 to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Gateway 1 never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer!

Update the late payment from my consumer reports Gateway 1 - XXXX
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXXXXXX ( XXXX ) credence resource managercollection agency is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX  XXXX ( XXXX ) credence resource managercollection agency the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX  XXXX Equifax, XXXX XXXX ( XXXX ) credence resource managercollection agency whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX ( XXXX ) credence resource managercollection agency Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Debt or credit management

I started the program with Northstar Legal Group in XX/XX/year>. Till XXXX XXXX not even a dollar was paid to debt companies. First payment was done in XX/XX/year>. 
Till now I have paid {$37000.00} to XXXX XXXX XXXX. 
They have taken {$25000.00} ( 68 % ) in fees and paid {$12000.00} ( 32 % ) to debt companies. Why so much fees? I want most of the {$25000.00} ( 68 % ) refunded to me because I have been mentally abused and I have been overcharged. 
I started in XX/XX/year> with monthly draft amount of {$2600.00} then in a month I added few more debts to the program and my monthly draft was increased to {$3400.00} Till XXXX 2023 since there was nothing done to pay debt companies my credit card companies interest and XXXX summon fees went up to {$15000.00} approximate. My debt went up instead of going down. Northstar made XXXX more debt active and increased my monthly enrollemnt by extra {$790.00}. I realized I don't have that much money to afford there scam program. I started removing debts which are not in active payment plan and told them to lower monthly draft amount and also for a refund of extra monthly draft money I have paid for XXXX  months, I was told NO. These financial transactions are handled by company named XXXX. 
This company is a scam. They are trying to make money on debt people. I am mentally tortured and feeling depressed working with this company XXXX XXXX XXXX. I can not beleive this company can go this low. This company will bleed you dry. I already received settlement offers at home addres and I forward to XXXX and they use it. It is best to work directly with credit card companies and personal loan companies for settlement offers. XXXX XXXX XXXX will say not to talk to credit card companies and personal loan companies for settlement offers because they want to charge high settlement fees from us which is approximately 68 % of the debt amount. 
On Friday XXXX XXXX I have cancelled the program. 
After filing complaint with XXXX  and lot of phone calls for few months XXXX have returned some money and still they have charged ( XXXX - XXXX - XXXX ) = {$13000.00} as fees which is a lot. I request reasonable amount to be refunded. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reached out to XXXX, Equifax, and XXXX  in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.