23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a home on XX/XX/XXXX with Freedom Mortgage as the lender. The house was purchased for {$600000.00} and appraised at {$620000.00}. I put {$100000.00} as a down payment, and as such, was subject to PMI. 

After closing, I decided to make an additional principal payment to bring my loan to a principal balance of {$460000.00} on XX/XX/XXXX, which reduced my Loan to Value ratio to 78 %. I requested that PMI be removed after this payment posted, and was denied due to " the loan does not meet the 2-year seasoning period, and the loan-to-value ratio is above 80 % [, ] '' which does not align with the house 's value and the remaining principal balance. 

I requested reconsideration, and was told that : " Please note that the loan your loan originated on XX/XX/XXXX, and it has not been assigned to an investor yet. Due to this, we are unable to review the loan for PMI removal. You may request for the removal of the PMI once the investor has been assigned. '' It's my understanding that at 78 %, my PMI should be automatically cancelled per https : XXXX " Is my PMI automatically canceled once my principal balance is 78 percent of the homes original value? '' I am current on my payments.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and or causing my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX, FHA Resource Center, RE : XXXX. 
CFPB XXXX .this is just one of the complaints. 

Every morning when I wake up, I have to fear of getting call 's and mail getting robot call 's were i had to change my phone number. were i missing a call about my brother because of the amount of robot call 's from the 3 party collection 's calling over 100 time when my brother died. and when you talk to a live person they don't care if your a victims they tell you to pay and then the will remove it, I cant sleep most nights without nightmares I so desperately want my life back. The life I had before the data breech that caused this night mar. XXXX, Experian and XXXX  still lets this happened, we had to file complaints FHA, CFPB is an independent federal agency built to protect consumers and nothing happening. collection 's dept. have taken money out my account 's were i had to change my account number. was XXXX and i have to pay a huge amount of depts.. exceeding over XXXX just to rent a place, i missed out of buying a home because of the fraud and the lack of reporting with my old home loan with XXXX XXXX. right, THIS HAS ALSO AFFECTED MY WIFE XXXX XXXX " " "
Product: Debt collection

In 2017 XXXX  suffered a security breach that leaked the data of 143 million Americans including myself, as a result of that several accounts have been opened in my name and placed on my credit file. I have hired a lawyer, and as of today I have filed the papers for civil suit and I will be bringing this information forth to a judge in my area.
Product: Credit reporting or other personal consumer reports

I am a victim of identity thefy upon reviewing my credit report i noticed some unauthorized inquiries on my credit report and i will like these account/ inquiries to be removed thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has shared my information without written consent
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX 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 to be updated. 


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 EXPERIAN 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: Credit card

Carecredit has a form on their website to request help for problems like financial hardships. 
I recently became fully XXXX so I completed the form last month thinking there would be some kind of benefit for the consumer. 
Within hours CareCredit lowered my credit limit even though I have never missed a payment.

The resulting lowered credit limit hurt my credit score and further complicated my situation.

CareCredit should not be able to promise help only to use medical information provided against their customers.

They provided zero services, assistance, or information, and refused to provide me with a written explanation of why. 

Their " service '' only damaged my credit by quickly lowering my limit.
Product: Debt collection

I was in good standing for years with ALL my credit card companies, but then the three letter agencies put a ban on my online and social media accounts...

This resulted in my XXXX XXXX XXXX XXXX to be shut down, they were XXXX XXXX, because of this I lost my ability to advertise, thus XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I wrote to ALL but one of my credit card companies requesting a 6-month break in payments to find other methods of funding... 
Furthermore, I told them if they gave me that break, I would after the 6-month break pay them payments until repaid in full... 
I also told them if they attack my credit score, they would NEVER get paid at all... 
They ALL attacked my credit score, it went from XXXX?? to current XXXX... 
I was summoned to court by a lawyer, whom I've never met, from a corporation I don't know for an amount almost double the credit limit on the card that matched the last four numbers...

I found the original credit card corporation sold my account to a third party, and they hired the lawyer... 
As I have no contract with either of these corporations, they are committing many types of fraud : bank, mail, securities, etc... 
I wrote, emailed and faxed the three credit score agencies requesting them to send me the metadata showing the change in credit score over time, " XXXX '' XXXX from credit card corporation " XXXX '' from XXXX... 
I want this information to be fair about the amounts I plan to charge in a lawsuit, XXXX XXXX '' amount per point, per corporation, per month, until the credit score is repaired... 
This has been going on for almost 2 years, I've not received any information I requested... 
Also, as I've never had a contract with the third party, how can they report to the credit score corporations??
Product: Credit reporting or other personal consumer reports

I've made repeated efforts to address the issue of unauthorized inquiries on my consumer report without success. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their presence has caused considerable emotional and financial strain. As an identity theft victim, I may need to pursue legal action if this isn't resolved properly. These false and fraudulent entries have prevented me from purchasing my ideal home and meeting my family 's needs, significantly impacting my financial situation. I've attached a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.
Product: Credit card

A fraudulant inquiry and application was made for JPMCB XXXX XXXX XXXX in my name on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove XXXX XXXX off my credit report ..The information in incorrect. An employer ( XXXX XXXX ) was added to your credit report on XXXX XXXX, XXXX. Item is incorrect. Also On XX/XX/XXXX, you informed us that the missed payment from XX/XX/XXXX, on your XXXX XXXX XXXX XXXX account is inaccurate. is incorrect. ( XXXX XXXX XXXX XXXX )
Product: Checking or savings account

I am a customer with Webster Bank. For at least one week, I have been unable to access my checking account via Webster 's website. As a result, I am unable to use the various online services that Webster offers, including monitoring account activity and making payments. Additionally, I have no way of knowing whether the various automatic payments and credits are being processed ( direct deposits, mortgage payments, utility bills, etc. ). Webster Bank has been completely unresponsive in addressing this issue. When I first contacted them about this, they told me that it would take XXXXXXXX XXXX to resolve. Since that time, they have now stopped answering the phones and they have not responded to my emails.
Product: Mortgage

On Saturday XX/XX/XXXX a lending agent Mr. XXXX XXXX from Amerisave contacted me in regards to my inquiry online to refinance, That same day they emailed me what they call a chart that showed their current rates I reviewed the chart and choose to refinance for {$120000.00} Loan amount at 4 % a closing cost of {$2700.00} these numbers came from the chart that provided that day, the balance on my home was {$950000.00} and the closing Cost would come from the amount financed I wrote these numbers in my email back to him and that based on those numbers I would proceed with an application.

I also spoke to him that due to the small amount I was refinancing I did not want to pay anymore on my closing and I did not wish escrow my Insurance and tax these were the issues I was adamant about.

I filled in the application that evening the next morning I get a .PDF File with my loan information the closing cost is now {$3400.00} I emailed Mr XXXX That I was not paying this closing cost it was not what he provided me with less Than 24 hours before, his reply was that he must have sent me Thursdays Ratings and it must have changed on Friday?? Wish he did not provide He has also become very assertive on the phone to the point I no longer want to deal with this person he was to the point of harassing and not allow me to finish a statement And just kept cutting me off, at that point I no longer felt confident in dealing with Mr XXXX and the answers that he was giving me nor the bedevilment I no longer wanted to proceed with my application.

Also on the statement that he emailed me made no sense the estimated pay off on my mortgage was {$100000.00} as The original mortgage was only {$100000.00}. And a balance of {$95000.00} were was The additional {$6400.00} going?

In only a few hours of dealing with Mr XXXX  I no longer felt confident and Was to the point being bullied by the man I requested that my {$500.00} application be returned. His response was It is not refundable unless you close your loan.

I have since called their main office and spoke to a XXXX  that stated the same Response NO REFUND under any circumstances but closing there company did nothing to justify not returning my {$500.00} as they were negligent in provided incorrect information.

In less than 24 hours I stop my application my reason for not proceeding Is that the numbers they sent to me were incorrect I am providing the email they sent that show the cost that I had agreed to proceed with and the file that Was emailed the next day with the increase.

The consumer is not aware when they pay their {$500.00} application fee That no matter what fraudulent actions or harassment Amerisave does or say they simply get to keep your money.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file are listed on my credit report 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

It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you double-check the documents? Some of the listed accounts exhibit inaccuracies regarding their reporting, including incorrect amounts and dates.
Product: Credit reporting 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$12000.00} DPT ED XXXX XXXX {$4000.00} DPEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$3500.00} XXXX XXXX {$400.00} DPT ED XXXX XXXX XXXX XXXX {$2200.00} DPT ED XXXX XXXX {$4100.00} XXXX XXXX {$0.00} XXXX  XXXX {$1300.00} DPT ED XXXX XXXX CHAPTER XXXX BANRUPTCY FILED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I 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 im 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 immiedietly 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 wrong hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Transunion I do not own the property of this fraudulent account. I am asking that you erase this account from my report. I do not have current possession or possession at all any where on my vacancy. This item doesn't belong to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sold accounts from the original creditor still shown on the reports with duplicate purchased accounts from the new creditor. All accounts reporting late even though deferments were applied for and approved
Product: Credit card or prepaid card

Overdraft and bank fees from Wells Fargo Bank.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : 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, credit repair services, or other personal consumer reports

In my previous complaints, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my I entered a forbearance for my FHA mortgage due to COVID 19. It ended in XXXX of 2020. I made all payments on time prior to XX/XX/2020 and have made all payments since XX/XX/2020 yet my mortgage has been reported over 120 days delinquent on my credit reports. I have attempted to contact BSI who is my mortgage company have not been able to have anyone return my calls regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an electronic payment to XXXX XXXX XXXX ( Jp Morgan Chase auto ) in XXXX through my chase account. Due to intermitted internet connectivity caused by the hurricane the payment never reached its destination. As soon as I found out what had happened I immediately resolved the issue. Unfortunately this was over 30 days and now I have a late reporting on my credit report. I have a perfect history of payment. This was no fault of mine. I called chase and spoke with several departments with no regard for the situation. I would like for the late to be removed from my report.
Product: Bank account or service

I recently opened XXXX checking and XXXX savings account with Citizens Bank in Massachusetts. XXXX checking account was for a business and XXXX checking/savings account was for personal use. To open the accounts, I deposited XXXX checks totaling {$22000.00}. XXXX of the checks I deposited was a cashiers check in the amount of {$7500.00}. For whatever reason, Citizens Bank decided not to use the funds from the cashier 's check to open the accounts and used XXXX other personal checks instead. These personal checks, totaling another {$7500.00}, were not honored by the bank they were drawn upon. I spoke with the person that wrote the checks and he confirmed that the monies are definitely in the account and available. He suspected that they may have expired which caused them to bounce. I am now being told by Citizens Bank that they intend to charge me {$40.00} in fees due to these checks bouncing. In addition, they are placing a hold on all of the other checks that were deposited including the cashiers ' check. When I asked why they did n't use the cashiers check first they could n't answer and stated that they have a hold on these funds. Were they to use the cashiers check first, I would not have had any issues and would n't be charged the {$40.00} in fees. I would like to know why the cashiers check was not deposited first, why there is a hold placed on the cashiers check and why I 'm being charged {$40.00} in fees.
Product: Credit reporting or other personal consumer reports

I am writing to address a concern regarding late payments on my credit record. Upon reviewing my records, I discovered the presence of these late payments. Despite sending letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in promptly and effectively resolving this matter.