23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

I asked for PMI to be removed. I have met and exceeded the needed 80 % LTV. The mortgage servicer has no phone numbers or emails to speak to people directly. Every communication regarding PMI is masked somehow. Please see the last few emails which took me months and over 14hrs of phone calls to get to this point. CLEARLY I have met the 80 % LTV ratio as stated in this email, on the their own website and other documentation they mail out. The final email I received after paying the XXXX XXXX BPO fee was I need to be at 70 % and was denied the removal. I have reached out 2 time in last 2 days and have gotten no response. They will not provide clear communication or documentation why they have changed their mind at my expense.

To our valued customer, Attached is a copy of the valuation completed on your home.

At this time, we can not approve your loan for PMI removal. The interior appraisal came in at {$280000.00}, but the current value would need to be under 70 % LTV to remove PMI and it is currently at 73.4 %.

You may choose to pay down the principal balance by {$9600.00} to meet the LTV requirement. Please know the valuation is valid for 120 days from the inspection date. Please let us know if you make the curtailment payment. The removal process must be completed prior to XX/XX/XXXX. 

You will also receive a letter in the mail regarding this issue Please let us know if you any questions. Thank you! 







To : XXXX From : XXXX Sent : XX/XX/XXXX at XXXX XXXX EST Subject : PMI REMOVAL - XXXX  To valued customer, We apologies for the inconvenience that caused. Please ignore the previous email and refer to the below one.

We received your request for PMI removal. Since this loan meets the 80 % LTV requirement, we do not need substantial improvements to proceed. However, a valuation is required on all borrower PMI cancellation requests to ensure the property value has not decreased since you obtained your mortgage. Unfortunately, the investors Automated Valuation Model ( AVM ) is not available. Therefore, a new valuation is required to proceed.

In order to move forward with PMI removal, you must pay a valuation fee* of {$190.00}, which is based on your loans investor and property type.

The preferred payment method is a one-time phone payment
you can make by calling XXXX or you can make your payment by sending via mail to Cardinal XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX The fee for the BPO or appraisal is non-refundable.

** Please note that there may be special circumstances that could result in us requiring you to pay an additional amount to complete the valuation ( BPO or Appraisal ). These circumstances may include property location ( rural ), marketing conditions, limited inspectors for the area, or investor requirements. As a result, we may contact you to request an additional cost in order to proceed with your valuation order.

*** Please let us know if you have any questions.

Thank you!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my right. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

CREDIT COLLECTIONS USA ACCT NUMBER  XXXX   XXXX   XXXX   XXXX  ORIGINAL CREDITOR   XXXX    XXXX   XXXX  I HAVE REPEATEDLY MADE REQUESTS FOR WHAT AND WHO IS THIS FOR. NO INFO AVAILABLE. XXXX   2012 ? DISPUTED THRU  XXXX  AND  XXXX . STILL NO EXPLANATION. NO IDEA WHAT THIS IS. NO RESPONSE FROM ANYONE. WHAT THE  XXXX ?
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to log into my account and verify. My account is XXXX I have accounts with all other credit bureaus, this is the only one giving me issues. 
Receive error : We are temporarily unable to complete this request. 
Please try again later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get a collection account off of my credit report with the 3 CRA 's. The account is XXXX XXXX XXXX. I have sent a letter from the original creditor which was XXXX XXXX showing a XXXX  balance. This account was paid in 2017! The letter states I own nothing but yet XXXX XXXX XXXX reports it as a collection account. I have filed a complaint against them also. I was told by Transunion rep. that even though they have documentation showing I own nothing they can not remove it unless XXXX XXXX XXXX says I own nothing. SO my letter states it's paid I do not own it! but yet it keeps showing up on my reports!!! How can that be legal? If you have written proof that the original creditor was paid in full how can a collection agency state you still owe it. He said if credit protection asso. comes back and says I still owe it then it stays on my file!!! Even though its paid and they have proof!
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I never lived in XXXX florida I 've live at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX for over 24 years. 
And I have a secured line of credit. I have no open lines of credit only secured line of credit at XXXX XXXX XXXX XXXX and I pay more than my minimum amount and usually pay off in full when I use that card. To my knowledge I do not owe XXXX dollars on any card. Like I said I pay attention to my credit and always pay more then what 's owed. And if I put XXXX in the bank that is a secured card with my money so go could I have a balance that is exceeding the amount I put in as a secured card. So please change this also I own XXXX XXXX XXXX and I 've owned this seance XXXX and before that I owned XXXX XXXX XXXX XXXX from XX/XX/XXXX to year XX/XX/XXXX So that needs to reflect in my report. I may have had a rough couple years but I have got back up and I continue to move forward and it looks as if the credit bureau do n't take this credit concerns as seriously as I have ave in the past this is not the first time I 've complained about this issue and I hope you can do a better job of expressing my opinion to them better and get it changed finely for the last time. 
XXXX XXXX XXXX
Product: Debt collection

Call from XXXX Linebarger, Goggan, Blair & Sampson, LLP stating that my mother owed {$130.00} in tolls in the XXXX area. My XXXX year old mother has been in XXXX for the past 2 years and has not driven for several years. Also, she has never been to XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on XXXX in Persons ( please refer to the attached Confirmation of Authorization ). The XXXX XXXX XXXX has verified and determined that XXXX XXXX XXXX XXXX is a victim of a severe form of XXXX  in persons under 22 U.S.C. 7102 ( 11 ) or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ), making them eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142 ( see attached rule ). The XXXX XXXX XXXX is dedicated to advocating for the rights and welfare of individuals affected by XXXX XXXX  and debt bondage. We have identified XXXX XXXX XXXX XXXX case, which we believe deserves your attention and expertise. In our mission to support victims and collaborate with stakeholders to eradicate XXXX XXXX, we've identified an issue with XXXX XXXX XXXX XXXX credit report, which contains an outstanding debt likely connected to a case of debt bondage. This debt raises ethical and legal concerns due to possible fraudulent or coercive practices leading to an unjust financial obligation. We respectfully request your assistance in blocking and removing any negative accounts linked to XXXX XXXX XXXX XXXX credit profile.
Product: Debt collection

Holloway Credit Solutions has validated to validate any debt owed to me. I have sent company validation letters and no response from Holloway credit solutions. The debt was open in XX/XX/XXXX-XX/XX/XXXX. The amounts is {$1000.00} {$110.00} {$160.00}. The credit bureaus has stated they validated info but has not sent me any proof. 

Account number : XXXX XXXX XXXX
Product: Debt collection

AD ASTRA RECOVERY SERVICES HAVE ON MY CREDIT REPORT THAT I OWE THIS DEBT I SEND THEM VALIDATION LETTER CERTIFIED FOR THEM TO SEND ME THE INFORMATION ALL THEY SEND ME WAS SOME PRINTED PAPER THEY DID NOT SEND ME A LIST OF ITEMS THAT I REQUEST FOR VALIDATION
Product: Debt collection

I received notice on my XXXX credit report about a XXXX bill that was delinquent and had been bought by a collection agency. I do not remember having a XXXX account and this bill of over {$2500.00} that is more than 3 years or more old, possibly older, is not mine. I had an XXXX XXXX XXXX cell account and then I opted to switch to XXXX. XXXX paid my old XXXX XXXX XXXX account off and I continued with XXXX until XXXX XXXX caused me to not be able to continue cell service, because I wasn't able to work at the time. XXXX was helpful and that account was taken care of due to the declared disaster. Other than that, I have not had a cell account in my name, especially with XXXX. I wrote in and disputed in XX/XX/2021, and the Collection Agency said they had legal rights to collect and it was my debt. I have not been sent a copy of the signed, original contract, not have I been given any information at all about this account. I resubmitted a dispute today, and in the same day was told it was resolved and is mine. XXXX said that if I was not satisfied with the outcome of the dispute, I needed to contact CFPB. That is why I am here. I do not owe this bill and this collection company has not provided anything but a written statement to XXXX, stating how much I owe, that the claim is legit and it meets the criteria to be billed to me. I find this not only humiliating, dehumanizing and manipulative, but in a pandemic where we have just become homeless, and are doing our absolute best to be able to afford a motel room and food, as well as keep gas in our vehicle to get to and from work, this is causing a lot of undue stress and hurting my credit so badly, I will never get it turned around. I'm asking for a copy of the original, signed XXXX contract along with the phone 's serial numbers, IMEI numbers, phone numbers, date account was originally opened, where it was opened ( online or in store ) and the amount, if any that was paid up front for this account. Also, if the account had any money paid up front, were the funds, cash, credit/debit card or check. If credit/debit or check, I am asking for a print out of the payment method, as well as a copy of the address and phone number attached to payment method.
Product: Debt collection

XXXX XXXX with Hewitt Capital called my work today asking the receptionist to speak with me regarding, " an urgent matter '' After she informed him that I an unable to take personal calls at work XXXX XXXX proceeded to tell her that " my wages are in the process of being garnished '' in knowing direct violation of my rights and privacy. Upon checking my voicemail on my cellphone later that day XXXX XXXX is threatening legal action against me if the phone call is not returned by the end of the day when he " makes his decision '' I have not been given anything in writing by this company or know who XXXX XXXX is or the company he represents. What I do know is that he knowingly and willingly violated the law in order to try and intimidate a response at me. I can not and will not take personal calls at work and it is my right to expect XXXX XXXX respect my privacy and rights.
Product: Credit reporting or other personal consumer reports

the company was disputed multiple times and still not change and has not provided any verfiying data my personal information dos not match the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I was established with a rate reduction plan with XXXX private loans to pay {$340.00} a month and set agreed dates per month for 12 months in XX/XX/2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XX/XX/2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted XXXX  and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with XXXX and no help. I have disputed with the credit bureaus and nothing has changed. 
XXXX has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.
Product: Credit reporting or other personal consumer reports

I have revoked consent to share my nonpublic financial information with these companies, however they are still sharing it, thus violating my rights. This concludes to identity theft and violates 18 U.S. Code 1028A. I demand that these accounts are promptly deleted and pursuant to 17 CFR 248.7 I am opting out of the reporting of the following accounts on my consumer reports ; XXXX [ Account # XXXX ] and XXXXXXXX XXXX [ Account # XXXX ].
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan, as late for any purpose.
Product: Checking or savings account

On XX/XX/22, my XXXX account was charged {$99.00}. I immediately tried to contact the company, XXXX XXXX, who made the charge. I had no idea what the company was and I knew I hadnt bought/ordered anything from them. When I called the number, it was a number that was not in service. I then contacted Wells Fargo Fraud Department to let them know that the charge was not authorized by me. Wells Fargo told me they would look into this, credit my account and let me know the outcome of their investigation. My account was credited on XX/XX/22. On XX/XX/22, the charge was put back through my account and debited from my funds. I contacted XXXX again to find out why. They told me their investigation concluded that I had made the charge and it was my responsibility to pay. Also that I could write a grievance letter and see what happens. I reiterated that I had not made the charge but they would not help me any further. Im appalled at how they have handled my case and taken my money. There are several other charges that I have disputed but have gotten nowhere with the bank.
Product: Consumer Loan

This is with Credit Central of XXXX Alabama, fell behind on loan and can only pay XXXX biweekly, yet company continues to call my job after my manager and i both asked not to call. XXXX store manager advised if i paid my bills they wouldnt call with a very nasty attitude. This company is not professional and very belittling to clients. Since they are not governed under FDCPA, they feel they can practice like this.
Product: Debt collection

I spoke with XXXX back in 2020 to inform them we were leaving the company I then contract bought out with another company and my roommate ran off with his so I shut down. Didnt hear anything about it until now. It flagged my credit so I requested dispute because they got merged their not a company anymore so I dont know who this collection agency is. And claiming they will damage my credit more if I dont pay and being horrible if you look below I was the XXXX number and XXXX bought my contract the XXXX was my roommate but I never heard about so I thought they dealt with him
Product: Credit card or prepaid card

Barclay 's Uber Visa card states on it's website that : Once earned in your card account, there are two ways to transfer Uber Cash to your Uber account for Uber services. At any time, you may choose to transfer Uber Cash from your card account to your Uber account by selecting the option to manage your Uber Credit Card rewards when you access the Uber app. Once you have accumulated at least {$50.00} Uber Cash on your card account, Uber will automatically transfer the entire balance of Uber Cash in your card account to your Uber Cash balance on your Uber account. Once your Uber Cash is transferred to your Uber account, you may redeem for Uber services, including Uber rides, Uber Eats orders, and JUMP rides. 

However -- there is no way to " at any time '' transfer uber cash to your uber account. I reached out to support on XX/XX/20 -- -- -- -- -- -- -- -- -- -- -- -- Customer XXXX XXXX via XXXX XXXX XXXX XXXX  Hi Folks, I am having some trouble transferring my rewards to my Uber/UberEats account, even though this card is linked in those accounts. 

The help guide says " at any time, you may choose to transfer Uber Cash from your card account to your Uber account by selecting the option to manage your Uber Credit Card rewards when you access the Uber app. '' What exactly do I click on when I open the app to get the options to " manage your uber credit card rewards ''? Options include : My name, your trips, payment, help, uber rewards, settings. I've tried all of these to no avail -- so if you could provide the exact path, I would appreciate it. 

Thank you! 
-- -- -- -- -- -- -- -- -- -- -- -- -- - Their response : Response Care via EmailXX/XX/2020 XXXX XX/XX/XXXXDear XXXX XXXX : Thank you for contacting us regarding your Uber Credit Card. We can certainly explain regarding the product change on your account. 

Please be advise that automatic redemption is a benefit of the Uber Credit Card and may prompted our system to send an automatic email notification. In line with this, please be informed that once you have accumulated at least {$50.00} Uber Cash on your card account, we will automatically transfer the entire balance of Uber Cash in your card account to your Uber Cash balance on your Uber account. Once your Uber Cash is transferred to your Uber account, you may redeem for Uber services, including Uber rides, Uber Eats orders, and JUMP rides. 

Please be advise that Riders contact Uber through email only at XXXX and their website at www.uber.com. We appreciate your continued business with us. If you have any other questions or concerns, please reply to this message. 

Sincerely, Customer Care -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have found evidence that other cardholders are experiencing this problem too -- and that even at the {$50.00} " automatic '' threshold, money is not being transferred. See the below references https : XXXX XX/XX/ ( Comment from PhanaticalTraveller )