23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am eligible to have my PMI insurance removed. I tried calling the mortgage company customer service line. No matter what options you choose it eventually brings you back to the beginning of the menu as if you just called in. It has been like this for a while. I tried several times over the course of 5 weeks and it puts you in a loop and you can not get anyone on the phone. I wrote them letters to all addresses I can find for them asking them to remove my PMI Insurance. The PMI Insurance is still on my monthly statement. 

The name of the company is Lakeview Loan Servicing , LLC. XXXX  XXXX XXXX XXXX  XXXX, VA XXXX. XXXX My loan number is XXXX. My name is XXXX XXXX.
Product: Vehicle loan or lease

When I was let go from my job on XX/XX/2020 ( due to COVID-19 ), I informed all of my creditors about this. They all understood and informed me to let them know when I'll start having financial issues with payments. Bridgecrest is one of these creditors, and they have been harassing me everyday regarding payments. I have been able to make payments through the year, especially since I was receiving the extra {$600.00} in unemployment. After this extra amount expired, I was down to receiving only {$270.00} a week ( after taxes ). With this amount and my spouse 's income, we were able to make payments but were ignoring other bills, until XXXX. At this point, I did call Bridgcrest to inform them again that my financial situation again, but they seems they only cared about when I can set up a payment. I have informed them that I'm not sure as I have already informed them about my situation and will make payments when I can. Currently, I've made a payment to them but still receiving phone calls non-stop ( about 3 times a day ). My payment is 2 payments behind ( my payments are due bi-weekly, so equivalently to 1 month behind ). Each time they call I do explain to them hasn't changed and will make payments, even though the amounts will be the normal bi-weekly payment ( XXXX or {$450.00} per month ). They have been calling me numerous times a day about it and it's becoming annoying to where it's harassment. I did speak to a representative one day explaining the situation, but was upset ( my temper wasn't great ) and while in the middle of this, the rep hung up on me. 

I do understand this is a debt that I owe and know I'm behind on this. However, as mentioned above, I'm making the normal payments when possible and have been informing them that when my financial situation has changed, I will inform them and get things caught up. I have another car loan, with a higher payment amount, and they are fine with me being behind, as long as I keep in contact with them. Bridgecrest, however, feels that since their employees are back at work, and making the same amount of income, that everyone else in the nation is. 

I wish for them to stop contacting me constantly everyday ( even though I haven't provided them with a date of payment ), because explaining to them the same thing is ridiculous. I don't mind them calling me once a week or once a month, but not 5 times a day. 

If this continues on, I will consult my attorney regarding this and pursue charges on harassment. 

Thanks,
Product: Checking or savings account

On XX/XX/2020 someone named XXXX XXXX was able to log into my account and transfer {$470.00} from my account to her. I dont know who that is so I did a unauthorized transfer through Chimw and they denied me. I even did a police report and they still keep denying me and saying there was not an error.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : 1. 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Balance Owed XXXX Date Opened XX/XX/XXXX XXXX Account Number : XXXX XXXX. Balance Owed XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 8. Balance Owed XXXX Date Opened XX/XX/XXXX XXXX Account Number : XXXX XXXX. Balance Owed XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX 10. Balance Owed XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX 11. Balance Owed XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX 12. Balance Owed XXXX Date Opened XX/XX/XXXXXXXX XXXX Account Number : XXXX
Product: Mortgage

2 Business days prior to close, XXXX. I was inform by voicemail and email that my closing was cancelled due to underwriting delaying my approval because of my occupation as a XXXX XXXX XXXX. My XXXX XXXX located XXXX Wisconsin for the last10yrs. I inform my loan office ( XXXX XXXX ) when I applied for my loan, that I was a XXXX XXXX XXXX. Subsequently, my loan was pass to others ( XXXX XXXX ) and ( XXXX XXXX ) and currently with ( XXXX XXXX ). All was aware of my occupation. I was uninformed that FHA Rule stating you have to live and work within 100 miles of your new home. I was instructed to quit my current job and move to Illinois to qualify for a FHA loan approval. I have been working with this company for the pass 2 yrs in hope to have the American Dream of owning a home.
Product: Debt collection

I have called earlier within XXXX debt collector mention, we repost your debt to your credit report once a month. I explained that is illegal to repost a debt already on my report. They repost, again, my credit score XXXX, down XXXX points for a debt already posted. XXXX. I called ( current debt owner, LVNV Funding LLC, also operates under another name " Resurgent Capital Services '', reference ID XXXX. I requested for them to send all three debts via mail. They only sent me one debt, yet, they wanted me to over the phone about the other two more debts. That I have never received. I said send all three debts, by law, you have to send all that is owed. They did not honor my request. Once a month, they keep reposting same debt on Credit report. The company has two names, which are on the same letter spread of debt. Both names, goes on the credit report, as they keep reposting. I was asked if I had a lawyer, the representative said she would not speak to me anymore, after 15 minutes conversation. I don't have a lawyer. " Beyound finance '' debt consolidation company has spoken to them before. They have caused damage to my credit report, credit score. Debt collector, knows, I am XXXX percent XXXX  XXXX veteran that does not work. The constant illegal reposting a month on my credit report, phone calls, is harassment. I also mentioned to them to send me their policies and procedures, what legal authority gives them to repost once a month. I had mentioned, by law, I don't need a lawyer to request a debt for you to send to me via mail. After I have been verified both automated & live representative. They are going to correct themselves, not reposting once every month. Tell the credit bureaus to correct my credit score due to their error. Credit score dropped XXXX points. I told them I was in the process of getting with my credit consolidators to save more money to pay a half settlement.
Product: Bank account or service

I am refusing to pay the $ XXXX.I am requesting the the {$9.00} be reversed and credit to the account asap.I did n't know the check was fake or counterfuit.I am not paying the account ending in XXXX.I never received my check book wallet I ordered.I am unable to use the checks due to the account being closed and I did n't authorized TMOBILE TO G INTO MY go into account.I told them to stop all payments transactions.I told them to cancel all orders.I told them I did n't want to use my account anymore for payment.I am requesting these charges be reversed and brought to a XXXX balanced.Wells Fargo praticesare vert manipulative and deceiving.They ended my banking history over a conterfuit check ididnt write or deposit into my account.I did n't deposit that check into my account.A scam artist who I through was a real true private lender. 
I am requesting a full investigation into evil wicked unprofessional non sensitivity pratices of Wells Fargo.I am a very progressive law student who is very aggressive about corporation respecting and honoring their customers.I am going to give you 30 days to fix this very important matter.If it is n't fix.I will file a XXXX Dollar Federal Class Action Lawsuit in US District Court.If I am on XXXX.I am requesting to be taken off immediately.This is a complete violation of the Fair Debt Collection Act and The Fair Debt Reporting Act.I will also be filing a complaint with the Federal Trade Commission.I am asking for the a internal investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED TRANSUNION XXXX AND XXXX about them having my updated balances incorrectly reported on my XXXX account. I will attach documents to show they are falsifying updated balances on my report and my XXXX 's report for this same XXXX account. And XXXX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XX/XX/XXXX of every month.
Product: Credit reporting or other personal consumer reports

In my capacity as a consumer to address serious concerns regarding the reporting practices of Equifax and XXXX and XXXX consumer reporting agencies. please delete the following company for violations. 

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  Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX section XXXX ( a ), it is XXXX that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Furthermore, XXXX XXXX XXXX emphasizes the obligation of financial institutions to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. 

According to XXXX XXXX XXXX section XXXX ( a ) ( XXXX ), consumer reporting agencies are only permitted to furnish consumer reports in accordance with the written instructions of the consumer. I have not provided written consent for Equifax, XXXX, or [ Furnisher of information to credit agencies ] to furnish my personal information. Therefore, any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Moreover, XXXX XXXX XXXX ( b ) ( c ) requires financial institutions to inform consumers of their right to exercise a nondisclosure option before disclosing nonpublic personal information to nonaffiliated third parties. However, I have not been informed of this right by [ Furnisher of information to credit agencies ]. 

Additionally, XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The reporting of adverse information without my consent is a violation of this provision. 

Furthermore, XXXX XXXX Code XXXX ( A ) ( XXXX ) mandates that information furnished to consumer reporting agencies must be accurate, and XXXX XXXX Code XXXX requires consumer reporting agencies to maintain reasonable procedures to ensure compliance with FCRA provisions. Equifax and XXXX are not upholding these standards, as evidenced by the inaccurate reporting of my personal information. 

Finally, according to XXXX XXXX XXXX, consumers have the right to opt out of reporting services at any time. Therefore, I am formally exercising my right to opt out of the reporting services provided by Equifax, XXXX, and [ Furnisher of information to credit agencies ]. 

In light of the aforementioned violations and concerns, I expect immediate cessation of the furnishing and reporting of my personal information to consumer reporting agencies. Failure to comply with this request will result in further legal action to protect my rights under the FCRA. 
I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. 

Thank you for your prompt attention to this matter. I anticipate your compliance with my request.
Product: Debt collection

NAVY FEDERAL CR UN on XX/XX/year> I sent off a letter regarding account {$21000.00} that was a charge off and inaccurate account. XXXX XXXX called several times nonstop regarding the same account I requested a XXXX statement letter stating this charge off is paid XXXX XXXX XXXX XXXX XXXX {$8800.00} same for this company. Still no XXXX statement I sent letters to each company and credit bureau who filed to remove it. They stated the amount and account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anv purpose.
Product: Checking or savings account

As customer of Wells Fargo bank and trusting this institution in XX/XX/XXXX I authorized the internal revenue service to deposit my tax refund XX/XX/XXXX at the above bank but the bank denied the payment of my refund under allegation of my refund not being deposited by the IRS. I insisted but I was unsuccessful of my claims. before the negative of the bank I desisted and the bank never paid the amount of {$6000.00}. of my tax refund XX/XX/XXXX. the bank did not paid me the refund for the year ending XX/XX/XXXX, XX/XX/XXXX for {$4800.00} for {$4900.00} for {$3200.00}, XX/XX/XXXX for $ XXXX,XX/XX/XXXXfor {$4300.00} this last was deposit by the IRS in XX/XX/XXXX the amount of the payment to Wells Fargo Bank was written on the bank statement but not considered in the balance because the next day, XX/XX/XXXX the bank posted an unauthorized charge of {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never contacted by this company, not even a voicemail. In accordance with the Fair Credit Reporting act Portfolio Recovery Associates LLC has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX 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

There were XXXX XXXXnaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Product: Debt collection

I have never received any communication from Aargon Collection Agency about reporting any negative information on my credit report. I found out about this negative item on my credit report as I am in the process of buying a house and this item came up on my report. This debt has not being verified as I have asked and this agency is in clear violation of federal laws.
Product: Credit reporting or other personal consumer reports

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to assert that, throughout the duration of the aforementioned account, I have consistently adhered to timely payments without any instances of tardiness. In light of this, I kindly request the provision of comprehensive documentation that substantiates and validates the purported late payment. In the absence of such evidence, I am requesting the expeditious removal of this inaccurate information from my credit report. I sincerely appreciate your prompt attention to this matter.

It is imperative to emphasize that the alleged late payment is, in fact, invalid. According to the Fair Credit Reporting Act ( FCRA ), there exists a provision allowing for a 30-day window within which discrepancies of this nature can be rectified. I trust that, in accordance with regulatory guidelines, swift action will be taken to rectify this discrepancy, ensuring the accuracy of my credit report. Your cooperation in this matter is greatly appreciated, and I look forward to a timely resolution. 

No knowledge of account being opened : XXXX
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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : I XXXX XXXXXXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

I deposited a check in the amount of {$19000.00} to my account ending XXXX on XXXX XXXX, 2025 and found out that it was not available until XXXX XXXX, 2025 so I called Wells Fargo Bank and asked them the reasons why they are holding the check for such a long period of time. 
Their reasons to hold the check for 12 days were the payor 's bank has fraudulent activities and unusual activities. I called the payor and tried to figure out what happened in her account and figured out that there were no fraudulent or unusual activities in her account at all and the check has been cleared and the funds have already been withdrawn from her account and it was paid to Wells Fargo Bank on right next day which was XXXX XXXX, 2025. 
I called Wells Fargo Bank again and explained that there were no fraudulent or unusual activities on the payor 's account and the funds are already in Wells Fargo Bank because it usually takes a day to process any checks nowadays through electronic procedures between all banks in the U.S. I'm not a new customer to Wells Fargo Bank and have several personal and business accounts with WF Bank for a long time and never had any issues with large amount checks that had been deposited to any WF accounts in the past at all. I asked them to release my funds asap but they said that there are no ways for them to release the funds before the XXXX of XXXX, 2025. 
I spoke to several people to resolve this issue but they insist that they won't release the funds until XX/XX/year>. 
Since they already received the funds from the payor 's bank, they are holding the funds for their own benefits, not their customer 's benefits. I'm overwhelmed about this whole situation due to their unreasonable attitudes and behaviors towards their long time customer and I can't accept their reasoning on this matter. 
Please contact Wells Fargo Bank and resolve this issue with them as soon as possible. 
Thanks, XXXX XXXX
Product: Credit card

This complaint relates the manner in which Barclays Card US applies payments when there are both promotional and non-promotional balances. Per a reading of the terms and conditions on the statement, payments are posted first to the higher interest balances and then the excess to the promotional balances. For the statement ending XXXX/XXXX/2016 I had a promotional balance of {$760.00} ( expiring XXXX/XXXX/16 ) and a non promotional balance of {$600.00}. I sent in a payment of {$670.00} on the due date. The a portion of the payment was correctly applied with {$600.00} against the non-promotional balance, however the excess of {$65.00} was applied against yet unbilled non-promotional balances. Under this application, if a consumer is using the card for purchases during a billing cycle, it becomes nearly impossible to payoff the promotional balance. A reasonable individual would understand and expect that if he pays off the entire non-promotional balance and sends additional funds, that these additional funds would be applied towards the promotional balance. 

Barclay customer service explained that this is not how it is handled as the yet unbilled non-promotional charges COULD be subject to a higher interest rate than the promotional balances, thus they are paid first, to protect the customer. In reality, this does not protect the customer but creates a scenario when the customer 's promotional balances does not decrease over time and the entire promotional balance must be paid in the final two months in order to avoid paying all of the accrued, yet unbilled finance charges associated with the promotional balances. 
While this could be argued is in keeping with the disclosures, it is both morally and ethically deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$410.00}