23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been working with my mortgage company, Ditech, for several months to remove my PMI from my mortgage account. I payed for an appraisal at Ditech 's direction, only to later be told that the home would not qualify to drop PMI for several months. After the appraisal was completed, I was informed that the PMI would dropped at the loan 's 2 year mark on XX/XX/XXXX. On XX/XX/XXXX, I called Ditech to confirm the PMI had been dropped, and requested a refund for the prorated dates I had paid for with my XXXX payment. The PMI has not been dropped, and I was informed that the PMI was paid for the upcoming month, therefor my XX/XX/XXXX payment would cover my PMI through the end of XXXX, and would be prorated. 
Today, XX/XX/XXXX, I spoke with Ditech again and was informed the PMI still has not been dropped, and that PMI was actually payed for the previous month. They said to expect to pay the full PMI amount for my payment due XXXX XXXX, and then to receive a refund for the prorated amount which would be applied to my ESCROW account. They still have not answered why my PMI has not been dropped, nor have they confirmed a date when I can expect to receive confirmation of the PMI being dropped. 
This process is ongoing, and the initial process was initiated in XX/XX/XXXX. The current date is XX/XX/XXXX. Over 6 months for a process including multiple letters, over 20 phone calls, dealing with over a dozen representatives, and this is after I was initially told should only require a single letter and an appraisal. The original estimated time fame was approximately 3 weeks after my written request was submitted.
Product: Credit card or prepaid card

Opened a lowes account in 2013. Fraud was accrued on the account since then. ALL CHARGES are not mine and.they are saying i havent support them with sufficient evidence even though i did exactly as they told me. Made numerous attempts and numerous fraud investigations opened.
Product: Debt collection

Regarding my CFPB complaint number XXXX, on date XXXX TRANSUNION claimed to have completed a proper investigation.

Pursuant to 15 USC 1681i ( 6 ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

I request the name and address of the original creditor.

I understand that written notice of the results of reinvestigation must be issued to me no later than 5 business days after the completion of your reinvestigation as described in 15 USC 1681i ( 6 ) ( A ). 

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

These agencies are in violation of 15 U.S.C 1692g. They were to notify me in writig 5 days prior. I was not. As the original creator, only I can validate this debt, I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These ageNcies are in violation of Hippa according to FDCPA, I will file a complaint with inappropriate Misuse of my medical information and for deceptive practices XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In tax year XXXX, I was in the unique situation of having 3 different employer-sponsored XXXX XXXX Accounts. I started the year with an Optum Bank XXXX, but switched to a new job in XX/XX/XXXX, and as a result received a new XXXX account through XXXX XXXX XXXX. I rolled my previous Optum Bank balance into my new XXXX XXXX XXXX. Then, in XX/XX/XXXX, my new employer switched XXXX providers, from XXXX XXXX to Optum Bank, so I received a third new HSA account in XXXX, and second through Optum Bank. I rolled my XXXX XXXX XXXX balance into my new Optum Bank XXXX account. 

Through all this complexity, I accidentally contributed a total of {$4900.00} across my 3 HSAs in XXXX, which is {$1000.00} over the IRS limit for XXXX contribution in that year. Since I only currently have access to my new/current Optum Bank XXXX account XXXX having rolled over the balances of my other XXXX and closed those accounts, I submitted an excess contribution request with Optum Bank XXXX XX/XX/XXXX after starting the process of filing my XXXX taxes and realizing my over contribution error. 

However, after over 5 months of repeated attempts, they are refusing to process my excess contribution correction. This is due to the fact that I only directly contributed {$950.00} to my current Optum Bank XXXX in XXXX, and they are rejecting my requests saying that the amount I am requesting in the correction ( {$1000.00} ) is higher than the amount I contributed. 

Ive attached for your reference my original excess contribution correction request form that I submitted to Optum Bank in XX/XX/XXXX, as well as two of the email rejections I received refusing to process my request. 

I have spent countless hours on the phone with customer support trying to process this correction but have yet to make any progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit reporting agencies on XX/XX/2023 informing them that they are reporting inaccurate information. The account is XXXX XXXX. It has been past 30 days and the account is still reporting. The company was not able to verify this information so why are you reporting this account? In the letter, I stated that the creditor was not able to find record of the account therefore it should be deleted. In addition, the date last active is not the same and I am well aware that all data furnished should be in compliance with the FCRA which this account is not. I am again requesting that this account be removed immediately. XXXX has since removed the incorrect information from my credit report. Please see the attached dispute letter that was sent last month which is dated and time stamped. The account that should be removed is highlighted.
Product: Credit card

Description of the Issue : On XX/XX/2023, I utilized the advertised promise by American Express to be reimbursed for airline fees, including in-flight internet services. I was under the impression that all incidental airline fees would be refunded. The terms and conditions document from American Express contains only one reference to internet services, specifying that " fees not charged by the Card Member 's selected airline ( e.g. wireless internet and fees incurred with airline alliance partners ) do not qualify for statement credits. '' This clause is ambiguous and did not clearly indicate to me that in-flight Wi-Fi charges from my chosen airline would be excluded. On contacting Amex on XX/XX/XXXX regarding this matter, I was told that in-flight Wi-Fi charges do not qualify for reimbursements. Furthermore, the representative pointed out that " the eligible and ineligible charges are not mentioned separately '' in the terms and conditions, which I find misleading. 

Attempted Resolutions : Prior to this letter, I have taken steps to address the issue with American Express. I reached out to their customer service and even spoke to a supervisor. However, their stance remained unchanged, confirming that in-flight internet services are not eligible for the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
10. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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 Consumer 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Let me know if youd like any edits or additions to the message!
Product: Credit reporting, credit repair services, or other personal consumer reports

So I recently pull my credit and i noticed a few accounts showing on my credit report that i do not have any knowledge about. Before reaching out to XXXX, XXXX and Equifax, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers license and Social security card.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute several fraudulent accounts appearing on my credit reports with XXXX, XXXX, and TransUnion. These accounts were opened without my authorization, and their continued reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal laws. 

Accounts in Dispute 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 TransUnion ) XXXX Refusal to Investigate XXXX has responded to my valid disputes with an automated email falsely stating : We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information.

This is an unlawful denial of my rights under 15 U.S.C. 1681c-2, which requires credit bureaus to block fraudulent information upon receipt of proper documentation. My identity theft report is valid, and Experians refusal to conduct a manual review is a blatant violation of the following laws : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to investigate disputed information properly.

15 U.S.C. 1681e ( b ) Neglecting to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681n Willful noncompliance with the FCRA.

I request the CFPBs immediate intervention to ensure the removal of these fraudulent accounts from all three credit bureaus and to address Experians failure to comply with federal regulations.

Thank you for your time and attention.
Product: Mortgage

Rocket Mortgage severely underestimated taxes on the original loan estimate. According to the loan XXXX this is due to their systemic process they use to pull the last tax bill. This means this is happening to other borrowers. 
Rocket Mortgage promised reduction in new tax estimate once we received XXXX status. They claimed they called XXXX XXXX on our behalf to confirm. We only learned at signing that this would not apply in Oregon. 
Rocket Mortgage never responded when I reported that I thought there was a compliance violation.
Product: Credit reporting or other personal consumer reports

I demand a thorough investigation and immediate correction of the following inaccuracies and inconsistencies identified on my credit report : 1. XXXX Inconsistent Date of Last Activity : Dates differ between XXXX, XXXX, and TransUnion. 
Payment History Errors : Late payment history does not align across all three bureaus, creating confusion.

Requested Action : Immediately synchronize and correct all reporting to
reflect accurate and consistent data. 
2. XXXX XXXX High Balance Misreporting : High balance amounts conflict between bureaus, which is misleading and affects my creditworthiness. 
Previous Dispute Markings : The account reflects previously in dispute but remains unresolved. 
Requested Action : Remove outdated remarks and align payment history for uniform reporting. 
3. DPT EDXXXX Payment Deferment Reporting : The account status fails to uniformly acknowledge deferments and reflects conflicting late payments.

Account Classification : Incorrect categorization as Student Loan versus Miscellaneous Finance violates Metro 2 guidelines.

Requested Action : Update the account classification and ensure all payment histories reflect deferment accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I obtained a copy of my report I noticed there were several inquiries on my report that I did not recognize nor authorized. I called XXXX, Transunion, and XXXX regarding this matter I explained to the customer service rep I had lost my wallet in which I think I laid it down in the store I went back to the store 10 minutes later it was no longer there and had not been turned in this was back the beginning of XX/XX/2022. I was instructed by all 3 companies to put a fraud alert on my credit account and they would remove the inquiries in 30 days. Ive been checking every month to see if they have been removed and as of todays date the unauthorized inquiries are still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes for the past 8 months to all XXXX bureaus and no replies have been sent back to me or reports. they never answer e. According the the FCRA they have 30 days to answer dispute and no they havent. I have copies of all the letters and will send some .if you want all let me know
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXXXXXX, NM, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN, XXXXXXXX XXXX XXXX XXXX XXXX TX, XXXX
Product: Checking or savings account

Date : XX/XX/2022 Amount : {$400.00} Actions taken : I called Chase regarding a XXXX payment I sent to a sender by the name of XXXX with the email XXXX, and later found out that it was a scammer. I called Chase about the situation and forwarded me to Chase Claims Department and did not help me because it was an act of person to person of agreeing to making this payment. 
I have proof of the scammers email if needed evidence in order to refund the {$400.00}. 

Story : I got scam on XXXX XXXX by providing my email and that they would email me fake XXXX emails.
Product: Credit card

In XXXX and XXXX I requested a copy of my credit files from each of the bureaus so that I could check my credit after an issue was brought to light by the IRS concerning a judgment which is a result of Identity theft. On checking my reports I noticed that there is account opened with HSBC Bank for over 7 years that is not known to me which is in default and is the reason why my credit is reporting so badly. I need to validate this account. Please ask the company to forward via CFPB all verification documents used to open this account ; signed contractual agreement ; and Identification used to authenticate the account opener.
Product: Checking or savings account

I did not open an online account with Golden Sachs Bank USA.I received XXXX different bank statements from them each with a different account number. My name was on each one of them with my address. All these bank statements were in one envelope. I received these statements around the XXXX of XX/XX/2024. This is Identity theft. My husband called their customer service twice and they would not verify anything and hung up on him. they only said they would investigate. They have no fraud department to speak of. they did send out a dispute form but this not a dispute its fraud. one of the accounts had a tax return deposit of {$5900.00}. We did not file this year so I checked with the credit bureaus and found no discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans union about a problem with an update on an account I pay on this on time all the time for over 2 years.
I noticed in   XXXX   that it had not been update since  XXXX .
I contacted them and Her English was poor at best, asked me some questions about the account.
She told me to get my payment history and submit it.
Never did she say what would happen next, I decided to let it go and hope it would get resolved after discussing with the Dealership.
They completely took not 1 but 2 loans off my report.
They were both in Very good standing without a missed or late payment ever.
Trying to rebuild your credit is hard enough, But have inept workers who barley speak or understand English in a job like this is unacceptable.
All the effort into getting this resolved has fallen on def ears
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 
As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My parent has the same name as me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and delete it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. 
As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXX XXXX XXXX Please ensure that all information is accurate XXXX XXXX XXXX XXXX Account XXXX Please ensure that all information is accurate XXXX XXXX XXXX XXXX XXXX  Account XXXX Please removed from my public record
Product: Prepaid card

I have received a generous e-gift card from my boss as a birthday present. The American Express gift card states on the balance page that it can be added to XXXX XXXX in order to be used in physical stores- this is simply not true. I have tried multiple times with multiple solutions suggested on online forums- apparently this is a very well known problem with this specific type of gift card. 

I attempted to call American Express to pursue any help and literally could not reach a real person to explain the problem, let alone try to arrive at a solution. 

I have tried to fix this every way I can with the tools I have available to me, and have sat on the automated American Express phone line for well over an acceptable time trying to reach someone to help me. Based on evidence I see on various forums, I don't really have any confidence that the phone line would be able to assist me.