23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted Provident Funding on XX/XX/XXXX to cancel my Private Mortgage Insurance ( PMI ). They provided a cancellation form indicating eligibility under XXXX XXXX The representative also mentioned I might qualify under XXXX XXXX on XX/XX/XXXX. 

I submitted the cancellation request on XX/XX/XXXX under XXXX XXXX, as it required no additional documents. However, the request was denied due to a loan-to-value ( XXXX ) ratio of XXXX XXXXWhen I inquired about the denial, Provident Funding informed me that I was ineligible for XXXX XXXX because more than XXXX years had passed since the loan origination. Upon requesting more details about any policy changes, they were initially hesitant to provide updated information. 

After escalating the issue, they sent me a revised PMI cancellation form. When asked about the effective date of the policy change, they stated that supervisors received the information on XX/XX/XXXX and communicated it to other associates on XX/XX/XXXX, effective XX/XX/XXXX. 

This timeline seems inconsistent, as I did not receive any prior notification about the policy change. Additionally, their claim that I am ineligible for XXXX XXXX  to close my PMI contradicts their initial assessment. 

I believe I am still eligible for PMI cancellation under XXXX XXXX, as I submitted my request before being informed of the policy change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer credit reporting company XXXX has unduly rigid requirements for requesting either a credit report or credit freeze. They insist on being provided via mail, copies of identification documents such as driver 's license, passport picture page or social security card before taking action on the consumers request. The big three reporting agencies all use alternative verification methods that do not require release of additional information by the consumer.
See : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this inaccurate account information with the credit bureaus for over 3 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. I also told them NOT to call me in my certified letter and guess what they did. They started calling an d harassing me After they Signed a certified letter stating NOT to call. They are now in violation of 47 USC 227 TCPA, 15 USC 1681 FCRA s-2 and the FDCPA and the UCC 9-503.
Product: Credit reporting or other personal consumer reports

Recently I've noticed the following accounts on my credit are incorrect. I'd like the following removed as I do not recognize any of the following/there have been errors found. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and again XX/XX/2023 I called XXXX XXXX regarding my XXXX credit cards about the hardship program. I spoke with XXXX ( ID XXXX XXXXXXXX ) about the XXXX program and enrolled. At that time he stated they would no longer be reporting my payments late and would remove the late payments from all 3 credit reports as of that date. This has not happened and I was lied too by the customer service representative. Not only did they fix the previous late payment reporting, they reported the payments that I did make as late as well. Now my credit reports ( all 3 ) are showing that I am 90 to 119 days late or 60 to 89 days late. I would not have entered into this program had the customer service rep lied to me about the outcome and what XXXX XXXX was willing to do. I simply was trying to get back on my feet after a temporary job loss and they preyed on my niativity.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DIVERSIFIED ADJUSTME XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist from Further Communication Regarding this account.

Dear Diversified Adjustme, I am writing to formally notify you that I dispute the validity of the debt referenced in your communication dated [ Date of Debt Collection Notice ]. After reviewing your correspondence and researching my records, I have determined that this debt does not belong to me.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease and desist from any further communication regarding this alleged debt. Please note that I am not liable for the debt you are attempting to collect, and any further attempts to contact me about this matter will be considered a violation of my rights. To resolve this issue, I request that you provide me with : 1. Detailed proof of the debt, including the original creditor 's name, the account number, and the amount owed. 2. Verification that the debt is indeed mine and an explanation of any alleged connection to my personal information. If you continue to pursue collection activities related to this debt, I will take the necessary steps to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my states attorney generals office, as well as considering legal action for harassment. Please consider this letter as a formal demand to stop all communication with me regarding this matter unless you can provide clear and verifiable evidence that I am responsible cafor the debt in question.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX
Product: Checking or savings account

Since XX/XX/22 Someone has been using my XXXX Bank card making transactions to apple which have added up to XXXX my bank refused to refund me and handle this problem.
Product: Debt collection

XXXX XXXX XXXX {$2400.00} charge me this since 4 years ago CREDIT CONTROL CORP {$560.00} charge me this since 6 years ago and have the wrong info and they still don't correct the info and say that is belong to me even thought I told them is not mine. I am a military spouse and I don't know why if I have 100 % benefits they charge me something that is not mine and ruin my credit this bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for divorce from my ex-husband back in XXXX. During that time, the house that we shared was awarded to me in the divorce. I now have to get my ex 's name off of the current loan that we hold for the house. The loan is through a company called LoanCare. I contacted LoanCare in XXXX of XXXX to see if it was possible to refinance through them to remove my ex from the loan. I was told that they did not do XXXX 's, but that I could do a loan modification and it would remove him from the loan. I was told by LoanCare that I had to let me loan go 30 days late in order to do a loan mod. I was extremely hesitant to do that since I have never paid my mortgage late. I was told it was the only way I could get my ex 's name off of the loan. Reluctantly, I agreed. I was sent paperwork to start a loan mod in XXXX. I was told BOTH my ex and I had to fill it out. So, my ex husband filled out his portion and I filled out mine and sent it in. A couple weeks later, we were denied for the loan mod. When asked why, I was told that my ex could not be on the paperwork and that they sent the wrong paperwork by mistake and that they would send me the correct paperwork. I asked if I should make XXXX 's payment and I was told no because my mortgage had to stay in a delinquent status. Again, more paperwork was sent to me and I filled that out by myself and sent it in. Again, I was denied. I was told that I didn't qualify with just my income. They told me they would send out a THIRD set of forms for me to fill out, but this time to add my current husband to it and then I'd be approved. We are now in XXXX and AGAIN, I asked if I should make a payment and AGAIN told no. By the time the third set of paperwork was sent to me, Covid-19 hits us and I am told that they are no longer doing loan mods and that they're going to put me into a forbearance plan. I've been on a forbearance with my mortgage since XXXX and I recently received a copy of my credit report showing that they've not only reported XXXX and XXXX 's payments as late, even though I was working with them to do the loan mod, but they've reported XXXX 's as late as well. I sent in a request for removal to all three credit bureaus and only XXXX 's late was removed from my credit. All of the lates should have been removed. Due to the CARES Act, it is illegal to report any loan as late to your credit if it is in a forbearance during this time. I have tried for MONTHS to get LoanCare to work with me on this to remove these lates, to help me get out of this current loan with my ex-husband, to help me with ANYTHING to help my situation. They refuse. Due to this, my ex-husband is now taking me to court to get his name off of this house. I need help to get these lates off of my credit.
Product: Credit reporting 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I'm writing this complaint about my escrow account I had with Specialized Loan Servicing. ( SLS ). I recently received my end of the year escrow statement with SLS and the statement shows a credit of {$2.00}. My total escrow should be {$95.00} a month for my taxes. SLS was charging me {$150.00} for my taxes. A difference of {$54.00}. If i'm over paying {$54.00} I should have a credit of more than {$2.00}. On XX/XX/2020 I sent SLS a NOTICE OF ERROR letter stating I wanted to see why I only had a credit of {$2.00} when SLS was over charging me {$54.00} a month. To this date I've yet to receive a response from SLS on my NOTICE OF ERROR letter I mailed to them.The letter I received stating A refund of {$2.00} does not give me any information of how SLS determined that I had an Amount of Surplus of {$2.00}, it does state my new escrow payment of {$95.00} a month, which is correct because my taxes are the same this year as they were last year.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX and the Executive Team at Capital One Bank for your their assistance in reversing a {$25.00} past due fee posted on XX/XX/XXXX. On XX/XX/XXXX I called Capital One Customer Service and spoke with 2 representatives ( XXXX - supervisor ) and another representative. They were unable to assist me so I contacted the Executive team. ( Please see attached e-mails ) I am a very long term loyal Capital One customer. I am a XXXX homebound senior. On XXXX XXXX, I was charged a {$25.00} past due fee. I explained to the 2 representatives that the XXXX XXXX which pays my bills issued the {$110.00} check on XX/XX/XXXX. I was mistaken. The payment was actually processed on XX/XX/XXXX ( please see attached email # XXXX ). The credit card payment was due on XX/XX/XXXX and actually, cleared on XX/XX/XXXX. I actually requested the payment from the XXXX XXXX on XX/XX/XXXX ( please see e-mail # XXXX ). Also please see the attachment of the credit card bill. 

The first representative I spoke with suggested that due to the bad weather and holiday season the check took longer to be received. I shouldn't be held responsible for the late arrival of my payment because of these reasons. As you can see, I made every effort possible to timely pay my credit card bill as I always do. 

This {$25.00} past due fee literally takes food off of my table.
Product: Credit reporting 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 1

5 USC 1681. has violated my rights. Or a list of inquiries : 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 15 U.S.C 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 by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX XXXX and credit karma. This is regarding XXXX XXXX pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX from XXXX XXXX XXXX  ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that one of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from credit karma saying that I have a new inquiry. I checked my credit report and I noticed that XXXX XXXX XXXX pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I m asking to remove the inquiries of XXXX XXXX XXXX from XXXX, XXXX and XXXX as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that credit karma sold my information and thats how XXXX XXXX XXXX accessed my credit information.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX  XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  {$660.00} XXXX {$1100.00} XXXX {$0.00} XXXX  XXXX {$350.00} XXXX XXXX {$2400.00} XXXX XXXX {$560.00} XXXX {$440.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX  {$510.00} XXXX XXXX  {$910.00} XXXX {$700.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing this account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Never lived at XXXX XXXX XXXX my XXXX
Product: Debt collection

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY PERSONAL INFORMATION AND RENTED AN APARTMENT IN MY NAME FROM XXXX  AT XXXX XXXX XXXX XXXX. THEY RENTED IT ON XX/XX/2015. I AM ENCLOSING A POLICE REPORT AND IDENTITY THEFT REPORT.
Product: Money transfer, virtual currency, or money service

I never use TransferWise for sending money internationally. Today I noticed two transactions of {$200.00} USD each debited from my checking account by the company. I tried to report this problem to their help center, but they redirected me here.
Product: Debt collection

The following accounts dont belong to me. Each company have failed to provide proof, and still reports inaccurate on all 3 credit reports. I would like them removed as soon as possible because I have no knowledge of these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my problems due to Zelles handling disputes particularly in the midst of CFPB lawsuit with this platform. Even though Ive used Zelle plenty of times my bank and Zelle has not investigated my claims correctly I was told that I could not receive the funds that were loss using the app the cfpb findings indicate that Zelle has not only neglected to protect their consumers but also allow repeat offenders to exploit the system leaving me and others vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in 2012 that none of these 3 XXXX companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ XXXX for XXXX or transunion.com that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.
Product: Credit reporting or other personal consumer reports

Upon review of my most recent credit report I noticed credit inquiries with ( Experian, XXXX & XXXX ) which I DID NOT initiate. These inquiries are the result of fraudulent activities for they were not authorized by me either verbally or in writing. Listed below are inquiries and dates which I would like removed immediately. 
XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX XXXX. 
XXXX XXXX / XXXX XXXX inquiry date XXXX XXXX XXXX in inquiry date XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX  ser inquiry date XXXX XXXX XXXX inquiry date XXXX. 
XXXX XXXX inquiry date XXXX XXXX / XXXX XXXX inquiry date XXXX.
Product: Credit card or prepaid card

I I took advantage of an XXXX promotion and made a credit card transfer on my Discover card : DISCOVER IT CARD ENDING IN XXXX CARDMEMBER SINCE XXXX and setup automatic payment. 
I never used the credit card since the transfer, to my surprise, statements show : XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX XXXX {$59.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$59.00} XXXX XXXX and monthly fees for using the credit card. 

I tried contacting XXXX over the phone without success, then chat online with an agent that couldn't find where and when I made these transactions. He finally advised me to dispute the charges with Discover card, what I did. 

Then Discover sent me an email stating that : We've investigated your disputed transaction and have considered all documentation available to us. We were unable to settle the matter in your favor and now consider the charge to be valid. This means we've closed our investigation, we will reverse the temporary credit on your account, and we'll apply the charge to your statement. 

Case Number : XXXX Merchant Name : XXXX XXXX XXXX Dispute Amount : {$59.00} We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. 

I do not agree on the charges that I did not made and that can't be verified by the merchant.
Product: Money transfer, virtual currency, or money service

Hello, I was searching on XXXX XXXX for an apartment rental. I discussed over email a potential apartment for rent. I received a passport photo from the supposed landlord. After discussion, I decided to go through with the apartment. The man named " XXXX XXXX '' and I spoke also over XXXX  as well. He messaged me that a XXXX link was sent to me via email to go through the details and continue with payment. Prior, continued to tell me over email that he would be using XXXX to ensure his safety and mine. I continued with the link and was directed to send a bank transfer to a XXXX account through the application XXXX. I foolishly continued and processed the payment on XXXX XXXX, 2021. Immediately after I even received an invoice confirmation. About 2 days go by and I begin to become suspicous, finally. I realize then I have been part of a scam this entire time. First thing I did was call my bank and emailed XXXX. XXXX directed me to call my bank after I sent them documentation etc. I recieved a XXXX provisional deposit into my account. At this point, I believed that my bank had disputed my claim and returned the money back to me on XXXX XXXX. At this moment, I stopped the process of filing a report to the XXXX police department. As, I have been residing in XXXX since the end of XXXX. Unfortunately, on XX/XX/2021 a letter from the dispute team told me they reversed the payment because I was responsible for sending the money. This I already knew and had been in contact with Charles schwab customer service employees who were aware of this as well. I was advised to upload additional documents to Charles Schwab. I spoke with 3 more Charles Schwab customer service employees, which I repeated my story and recieved misleading information regarding the dispute process about my case. It was not until the 4th employee, that I was informed that I had to be contacting XXXX the third party app to dispute this payment. on XX/XX/XXXX, The employee told me that they were not able to give me my money because the scam was not considered fraud. I am very much destroyed by this back and forth and lingering dispute. I am a XXXX, have many XXXX  loans, and financially have been supporting myself for XXXX  years. I am XXXX. I understand I was being naive and not meticulous about every detail with the scammer. In addition to all of this, the scammer hacked into my XXXX and uploaded fake XXXX listings on my behalf. I immediately deleted these and changed my password to my XXXX. Thank you for reading my email and happy holidays.
Product: Debt collection

On XXXX I sent Portfolio recovery a mailed letter asking for debt validation and never received anything back from them.