23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received an annual pmi disclosure letter. After reading it and doing the math I contacted the lender to confront them with the fact that I had been under 78 percent of the original home value for at least a few months. I was given the run around that my complaint must be sent to someone else with no promise of fixing the problem and agreeing to nothing on my end. I realized I had been billed again for pmi in XXXX. I contacted the lender again and got the run around about company policy not allowing a refund of what I was overbilled on pmi. Penny Mac is claiming I am not owed the back pmi based on a document that was signed at closing. I don't understand how this document would be binding if auto termination is required at 78 percent. Could you please help me determine my rights under the Homeowners Protection Act. Thank you.
Product: Credit reporting or other personal consumer reports

On XXXX Sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 


15 USC 1681 section 602 A 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 accounts without my written instructions. 



Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct XXXX this account is showing late as well charge off 2 times. this account has been closed and still shows as 5 potential negative remarks. as a consumer i have the right to privacy and this is a violation of my rights. i would like to be paid {$1000.00} per violation this company has done. i have never given this company written permission to share my information. please also remove this from my credit report.
Product: Checking or savings account

SUBMITTED FRAUD CLAIM ON A STOLEN CHECK THAT WAS CASHED AT TRUIST BRANCH VIA " XXXX CASHED ''. 
NO VALIDATION WAS DONE ON CHECK AND PERSON IT SEEMS HAD NO ACCOUNT TO BE ALLOWED TO CASH CHECK ON SPOT. 

CHECK STOLEN, FORGERY OF CHECK, BANK DENIED MY CLAIM STATING " CONSUMER SHOULD HAVE HAD CHECKS LOCKED IN A SAFE OR OTHERWISE SECURE AREA '' CHECK WAS INSIDE MY KITCHEN DRAW NOT VISABLE, INSIDE MY SECURE HOUSEHOLD, LOCKED DOORS, XXXX THEIF WAITED TILL I HAD TO LEAVE AREA TO STEAL CHECK FROM SECURED AREA IN DRAW OF KITCHEN XXXX TRUIST IS NOT ACCECTING MY CLAIMS DUE TO THERE OWN FAULT ... COVERUP OF BROKEN/NEGILIANCE PROCESS AT THEIR BRANCH BANK SHOULD NOT IMPACT COMSUMER, AS THEY ARE DENIED CLAIMS REALLY DUE TO BRANCHES MISTAKE
Product: Checking or savings account

Submitted dispute claim with Wells Fargo bank on XXXXXXXX XXXX and still have not been given my money back or an answer a year later.
Product: Credit reporting or other personal consumer reports

Good Morning XXXX XXXX XXXX recently I applied for a new auto insurance policy XXXX checked my Lexis Nexis report on behalf of XXXX they were reporting that I had been in 2 XXXX in a 2 day period which was untrue and this is how I discovered the incorrect information I had never pulled a Lexis Nexis consumer report myself come to find out I had wrong information on there such as my name in which you can see for yourself XXXX XXXX is showing on my lexis nexis that is not my name and I have never tried to use that to obtain credit it looks like fraud to be honest if someone were to see that I am asking you to have them remove XXXX XXXX off my report They have bogus emails on my report as well can you all have them remove all the information that I have a mark on my lexis nexis report I did not upload the entire report due to XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I called PayPal to make a tution payment of {$1500.00} for a 30 day course in XXXX. At the time I thought my bank acct was being debited as it had happened at other times I did business with Paypal. Instead the agent advised me I could pay up in 6 months at 0 % interest. He then asked me to verify my email, I gave him my XXXX acct. Complaint # 1, I never received confirmation to my XXXX regarding terms and conditions of this transaction. In XXXX I returned from XXXX and I went about my business as usual. Complaint # 2, I never received reminders ; they say they sent them to a XXXX XXXX account which I had deactivated way before XXXX Evidently PayPal failed to update my XXXX acct I gave the agent on XX/XX/XXXX. 
OnXX/XX/XXXXXX/XX/XXXX for the first time I received a call from PayPal XXXX XXXX. I was in shock when the agent asked me for {$120.00} past due [ I am proud of my excellent credit report ]. At that moment I thought it was a scam but after I checked my records I realized that I had a problem. My requests : I would like a waiver of half of the remaining balance because they failed to send reminders to my XXXX. Instead they sent emails to a deactivated XXXX account. Also, PayPal took 8 months to call for the first time, why someone did not call me in XXXX or XXXX. XXXX XXXX I wrote to MsXXXX XXXX XXXX, VP of XXXX XXXX to explain my case. I only received a generic email stating they're investigating, ( note : at the time I felt some responsibility and decided to pay {$100.00} leaving {$100.00} balance ). A week later I followed up as I was concerned I had heard nothing back, only to be told the case was closed and I had to pay. To add insult to injury, I discovered that more interest was charged on interest. I asked the agent why they didn't send anything in writing to this effect and he could not give any reason, he only repeated that I to pay. 
OnXX/XX/XXXX. I wrote a second letter to Ms. XXXX. And again, I only received a generic acknowledgement. I suspect nothing will be done, hence my reason for this complaint. I see a pattern here, poor customer service and inability to communicate in writing and clearly. 
Thank you for your services.
Product: Debt collection

A medical debt was reported to my Equifax profile on XX/XX/XXXX for a {$15.00} medical bill that I am unaware of, by an attorney 's office named Law Office of XXXX XXXX XXXX XXXX. When I called the number a man answered stating " RR Resource Recovery ''. The man did not identify himself. He asked me for my name, which I provided, and he immediately stated that I owed {$15.00}. I advised that I did not recall getting a letter with this information. He did not provide his name, nor the original creditor name, nor disclose that he was a debt collector, nor did he state the Mini Miranda disclosure to me. I felt that I was speaking to an attorney due to the credit reporting, so I paid via credit card the {$15.00} balance + a {$5.00} fee which the man stated would be added to a phone payment. He provided a confirmation # of XXXX and the call ended. 

I was misled by this company into paying a bill that I am unaware of and had the right to dispute, but was not offered that right. 
1 ) The collector did not identify himself2 ) The collector did not disclose to me that he was a debt collector3 ) The debt collector did not state the original creditor name despite me telling him that I did not receive an initial notice4 ) The collector stated that my XXXX XXXX credit report was wrong and that XXXX reports are " never right '' 5 ) The collector did not explain why he was charging me a {$5.00} fee for making a phone payment6 ) The company 's entity name is R R RESOURCE RECOVERY, LLC ; however, they have reported debt to my XXXX credit report using the name LAW OFFICE OF XXXX XXXX XXXX XXXX, XXXX - which is an inactive company due to dissolution on XX/XX/XXXX. 

How can a debt collector report to a credit bureau using the name of a dissolved attorney 's office?
Product: Credit card

XXXX XXXX I paid my CITI Bank credit card account in full, as I do every month. I signed up for paperless statements at that time. I did not charge anything on my CITI card until XXXX XXXX for {$36.00}. In early XXXX XXXX I received a phone call from CITI stating my account was over due. I had not received any notification that I had a balance due and they had charged me {$62.00} in late fees. Although I had been receiving email about my CITI Rewards account I had NOT received any regarding my CITI credit account. I spoke with 3 different people at CITI regarding a reversal of the late fees since I was not notified of a balance due per our agreement ( paperless statements ). XXXX the CITI manager stated her records showed that CITI sent me emails, BUT in XXXX they were returned as undeliverable so they would only reverse XXXX late charge. I never received ANY emails from CITI regarding my credit card account since I enrolled in paperless statements. I do n't believe CITI when they say, they were going to you and now they are n't but we sent them!! Now you owe CITI money. This is extortion. I feel it was CITI 's error in not sending me a bill and then charging late fees when the bill is not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since XXXX has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XX/XX/19, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Notice to Opt-Out and Dispute letter to CapitalOne on XX/XX/23 in regards to 2 accounts that they are reporting negatively, without my consent, on my file to credit reporting agencies. I have been impacted negatively by being denied new credit because of the adverse information being reported by CapitalOne. Per 15 USC 6802e ( 2 ) I do not consent to any information that is being reported by CapitalOne. CapitalOne is illegally reporting transaction history on my consumer file, per 15 USC 1681a ( d ) ( 2 ) ( i ). I have also notified CapitalOne through telephone, per their privacy notice, to verbally Opt-Out, but the accounts are still showing negatively on my consumer files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting agency is not fixing an issue I am having with wrong information on my credit report. Today I viewed on XXXX XXXX that XXXX deleted my XXXX account off my credit report this account should not have been deleted off my credit report. I never gave permission to delete it. Having this account deleted brought my credit score down. My next issue is XXXX XXXX XXXX that is reporting that should not be reporting. I submitted substantial proof along with speaking to the CEO of XXXX XXXX XXXX and it was confirmed to be removed from my credit report. Instead of removing it XXXX added a remark to this account. This is completely wrong. I am very discouraged in getting XXXX to correct these issues. Another account XXXX XXXX XXXX XXXX is reporting as me including this account in bankruptcy. I never filed for bankruptcy. How can they put such false information. I fully expect that this bankruptcy comment be removed off my report. I 've also uploaded proof from XXXX that these other 2 accounts were removed from my XXXX credit report. XXXX  should have received the same information.
Product: Credit reporting or other personal consumer reports

I received an email from my cell phone provider that my information was leaked in a data breach. Since then I have been monitoring my credit report and trying to get these collections that randomly appeared on my credit report off. The companies are not responding to me and when I dispute with each of the credit bureaus they send me a letter saying the information is accurate and verified but have not provided me with any documentation that the information is mine and what they veirifed. There is also a bankruptcy that appears on my credit report that does not belong to me. I contacted the court listed on my credit report and they sent me a letter of which I forwarded a copy to each of the credit bureaus indicating that they did not report that information to the credit bureau. However, even after receiving a copy of that letter, the credit bureaus sent me a letter indicating that the information is verified when the court clearly stated that they did not provide the information. I am in the process of trying to purchase a home and having trouble getting this information removed that is not accurate so I was advised to file a complaint here to see if this information can be resolved. Also, XXXX of the collections listed on my credit report that doesn't belong to me, the credit bureaus are allowing this company to charge me interest each month on a collection listed on my credit report as I have noticed that the balance increases each month in addition to them being listed as open accounts. Not only are the accounts listed not mine, they are not being reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9500.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document THAT INCLUDED SPECIFIC ACCOUNTS ( XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX  ) Since TRANSUNION, XXXX, OR XXXX  HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   AND XXXX XXXX ARE ALL IN VIOLATION. TRANSUNION, XXXX, & XXXX  FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
Product: Payday loan, title loan, or personal loan

I very recently bought a car at XXXX XXXX in XXXX  around XX/XX/XXXX. I was financed through Santander Bank. I bought the car had everything signed and payed. It was 3 weeks later that I called XXXX XXXX to see why I haven't gotten any way to pay off the bank bills. I was told by XXXX XXXX that I would have to come in for more paperwork. I was told Santander was raising my payment by XXXX dollars a month and given no way to make payments. I live in XXXX  XXXX NM more than 3 hours away. And was just returning from a weeks long funeral service which I am required to return to for my grandfather 's internment. The day has not been set and I am on standbye using my days off work to go to appointments for a XXXX. Ive made 2 separate attempts to contact Santander and have not been able to get any in person help on the line. I have had 0 opportunity to go back to XXXX  to pay Santander after raising my rates suspiciously. And now my credit score is tanking ive only had a week and 0 opportunity. I have made every attempt to question XXXX XXXX and attempt to communicate with Santander. To pay off my balance.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year> and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

XXXX  - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiry. 
2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my KIKOFF - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

Greetings, I recently received a communication from Wells Fargo ( WF ) instructing me to update the physical addresses associated with my accounts, or they would be closed. Historically, I had utilized a po box as my mailing address for all statements, but WF claimed they lacked a physical postal address on file for my accounts. In response, on XX/XX/XXXX, I visited a WF branch and presented the correspondence. The account manager assisted in updating my accounts with my home address as the physical address while retaining the po box for mailing. 

Upon leaving the branch, I believed I had fulfilled the requirement outlined in the letter. However, when someone attempted to deposit funds into my account, they informed me of the unsuccessful transaction. Upon inquiry, a WF representative explained that my accounts were frozen because the account manager had only updated the mailing address on the statements, not the physical address. I am now unable to access my funds, and according to the WF representative, I must wait for 10 business days. 

This situation has left me unable to pay bills, jeopardizing my credit, and, most importantly, impacting my ability to provide for my children. I am in desperate need of assistance.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

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