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

I did not authorize or open this account, and the balance of {$1700.00} marked as " past due '' is inaccurate.

Violation : FCRA 609 ( e ) - Creditors must provide documentation verifying the validity of accounts associated with identity theft.

2. Inaccurate Reporting of Responsibility : The account is listed under my individual responsibility, which is false and harmful to my creditworthiness.

Violation : FORA 623 ( a ) ( 1 ) - Furnishers must ensure the accuracy of This account Failure to Verify Before Reporting : This account appears on my report without proper verification of my identity.

Violation : FCRA 605B - Consumers have the right to have fraudulent accounts removed upon filing a valid identity theft report.

Actions Requested : Remove this fraudulent account. I am providing proof of my identity
Product: Mortgage

On XX/XX/22, I contacted Caliber Home Loans to initiate the process of having my home appraised with the goal of cancelling PMI due to the substantial increase in my home 's value. The Caliber associate I spoke with stated that I would likely not succeed in this process because of " investor requirements '' concerning cancellation of PMI. Specifically, the associate stated that the investor for my loan is XXXX XXXX, which requires a 2 year payment history before cancellation can be requested ( absent substantial improvements to the property ). However, the CFPB website states the following : " Loan investors, including XXXX XXXX and XXXX XXXX, often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the HPA provides. But these guidelines can not restrict the rights that the HPA provides to borrowers. For example, the HPA does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). '' I believe that the 2 year payment history restriction represents an infringement of my rights under the HPA.
Product: Money transfer, virtual currency, or money service

I made a dispute through my bank for several charges made with my card that where not authorized cash app stated to me that they returned the funds to my bank, but they never did instead they withdrew all my money from my cash app and closed my account. Cash app keeps telling me it's out of there control and I have to settle this dispute with my bank. Now I'm out of the money I was disputing and the money I had in my wallet.
Product: Debt collection

XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX PA XXXX contacted me via mail and ongoing annoying phone calls past XXXX and early in the mornings, before ( XXXX ) to harass, annoy, and abuse me about a debt that is not valid.
Product: Money transfer, virtual currency, or money service

I am a customer with BofA I have a problem with their misleading policy on joint accounts which from my definition of it A joint account is a type of bank account that allows more than one person to own and manage it. There is no restriction regarding who can be an owner, which can include spouses, friends and business partners, among others. Everyone named on the account has equal access to funds, regardless of who deposited the money. The problem started when I gave my log in information to my relatives who lives with me that has their name on my accounts then BofA told me I should not giving out my information about my online banking even though they are joint with me with means from their definition When your Online Banking service is linked to one or more joint accounts, we may act on the verbal, written or electronic instructions of any authorized signer. Joint accounts using the same Online ID will be identified as one service. And I got very rude representatives saying that is illegal to give my verbal consent to my online access even though my relatives are using my account to transfer money to their accounts and checking their balance without restrictions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XX/XX/year>2025 Experian XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear experian credit bureau I am writing to formally dispute inaccurate information on my credit report that i belive is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies as required by federal law. 

Recently the consumer fonancial protection bureau filed a lawsuit against experian for its failure to properly investigate consumer disputes citing " sham investigations '' and other unlawful practices. These practices are outline by the CFPB, include : Conducting inadequate investigations that fail to adress consumer disputes properly Reinserting previously disputed and inaccurate information without explination Failure to notify consumers about investigation results effectively These alligations highlight systemic issues that directly undermine consumers protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following item XXXX Account Name : XXXX XXXX XXXX XXXX Amount : {$1100.00} Date Opened : XX/XX/2020 Account Number : XXXX
Product: Mortgage

My mortgage was lost. When it was sold from XXXX institution to another. Trying for 3 years to get answers no one will talk to me. Now my house is going in foreclosure because of all the mix up from the past 2 years. They must have found my loan docs or maybe not. They have never reported me delinquent for missing any payments? It does n't make sense. Now I 'm to far behind to save my home? XXXX has Statebridge Mortgage servicing my loan currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was once again a victim of identity theft, and this is yet another request to erase things from my credit file as a result of suspected identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), CREDIT BUREAUS is required to remove all inquirieswithin 4 business days of receipt. Furthermore, the information provided on some inquiries isUNKNOWN to me and REMOVED from other bureaus, and I have reservations about its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting to credit bureaus that my mortgage payment is 30 days past due. As of this complaint, XXXX XXXX XXXX has not yet acknowledged, in writing, that all required supplemental and regular mortgage payments were fully paid each month as agreed from XX/XX/XXXX to XX/XX/XXXX ; See included letter dated XX/XX/XXXX. Please also see the uncanny letter received today, via postal mail dated XX/XX/XXXX ; The letter apparently ignored the arrangements made with the XX/XX/XXXX letter. Your assistance with helping me resolve the incorrect credit reporting will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out XXXX letters to Experian this first was investigate an account that was in error on XX/XX/XXXX. Got a response by email that no changes where made and the account was verified. So i sent a follow up letter requesting the method of verification on XX/XX/XXXX. I did not get a method of verification only that it has been verified and no changes where made.
Product: Credit card

I received Overdraft notices from Bank of America, but I have Overdraft protection turned on. The consumer expectation is as long as I have overdraft protection turned on, I should not be responsible for overdraft fees, late fees, interest fees, and the payment should not be returned. However Bank of America returned the payment without my consent and failed to meet the consumer expectation for Overdraft protection.
Product: Debt collection

Dear Sir/ Madam, Thanking you in advance for your time and attention -with regard now - my complaint with Performant Recovery , Inc. which continues to date to harass me with bogus ( absolutely false ) claim of money due and in addition " delinquency '' as well - with the possibility of other charges if no response by me within 30 days. 
This is in regard to sales taxes- my company is not active - no sales were made! Therefore no money was made and in addition the demand for delinquency funds is ludicrous! 
This began at tax time last year XXXX - as is now the same - with a letter as is now - and several phone calls going back and forth - with the involvement of my accountant which was solved - finally! 
However, it is starting up again, and involving the collection, and for the same time period which is well passed ( obviously fraud ) XX/XX/XXXX ( twice ) Although there is no amount due - but a delinquency charge, of which there should be none - and could become absolutely unbelievable, with erroneous charges mounting and sky rocketing with delight for them! 
As well - their delight, perhaps, in disturbing and aggravating my day with such a nasty trivial matter which could also alter my standing as decent and reputable!!! 
Thank you ever much as I remain, Cordially yours,
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has consistently inaccurately reported a credit card balance issued by my banking institution. Each dispute has come back verified. I paid the credit card in full on XX/XX/2022, for $ XXXX and no additional payments have been reported to Transunion to date. The utilization rate is currently 37 % when it should be XXXX. In XXXX, Transunion accurately reported a balance of {$5.00}, and then the entire balance of $ XXXX was re-reported and consistently after that. The other bureaus are reporting the XXXX account accurately. It violates the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed ( XXXX ) XXXX XXXX authorized user account twice with the same result. Came back as verified but Im not an authorized user on this account. I have no knowledge of this account and I have no card/info for this account. If I said I dont know whos account this is how are they still legally allowed to have this account on my report? 

I called XXXX and they said i have to be the primary account holder to remove myself. How does that even make any sense? Dispute doesnt work so how do I get this account off my report exactly? 

XXXX removed it without an issue. Its always XXXXEquifax that gives people headaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$5500.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. US DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Product: Debt collection

This company is in violation of the FDCPA, sections 808 ( 1 ) and ( 2 ). There is no judgement that exists, which warrants the collection of any interest. Nemo 's Collection 's continues to update my credit report on a monthly basis by {$1.00} to {$2.00} dollars and recently did so on XX/XX/XXXX. They have not validated the debt nor provided a copy of the original contract which proves they are legally able to collect interest. In addition, attempts have been made via certified mail, to pay the original balance of the debt, of which the owner of the company refused to accept the certified mail. The owner stated that he has a right to refuse certified mail and does so because attorneys are constantly sending him certified letters. A second attempt was made via priority mail, of which I have received no response, and the USPS, shows it was delivered on XX/XX/XXXX, the same date the company illegally made a false update. I have disputed the inaccuracies with the credit bureau as well.
Product: Credit reporting or other personal consumer reports

I was completely shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they ended up there. I checked my credit report as usual, but this time I found discrepancies that were not there before. I even refreshed my browser, hoping it was a mistake, but the wrong accounts were still listed. Because of this, Im requesting that the documents I've sent be carefully reviewed so I dont have to worry about this ever happening again.
Product: Credit reporting or other personal consumer reports

When I reach out to a credit collection company and request the signed contract with your signature, you're essentially asking them to provide proof that you agreed to the terms they are claiming. Their response of " verified '' typically means they have verified the debt exists and perhaps that they have the right to collect it, but it doesn't necessarily mean they have provided the specific proof you requested. 

In the context of debt collection, the Fair Debt Collection Practices Act ( FDCPA ) gives you the right to request validation of the debt, including asking for a copy of the original signed contract. This is important because without your signature on a contract, they may not have a strong legal basis to pursue the debt.

If they only responded with " verified, '' it could imply several things : They believe they have sufficient proof of the debt 's existence but did not provide the specific document you requested.

They may be asserting that the debt is valid based on their records or information they have.

They might not have the signed contract readily available or may choose not to provide it. 
In any case, if you're disputing the debt or need further clarification, you have the right to continue to ask for verification and to ensure that any debt collection efforts comply with the law. If they are unable or unwilling to provide the signed contract, you may want to seek advice from a consumer rights attorney or a financial counselor to understand your options further.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Payday loan, title loan, or personal loan

Last week at the end of XXXX, I was trying make a payment or set up a payment that works for me but Sunset finance in XXXX, ga wouldn't accept the offer I wanted which was {$50.00} a month because its more convenient for me but they threatened me also to take my stuff that I need to get a job otherwise I won't be able to make payments but anyways I'm tired of the threats the calling of family and telling my family why I haven't paid them etc. They don't suppose to do that at all. I'm very stressed out and bout to check into a XXXX XXXX  foreal
Product: Vehicle loan or lease

Upon further investigation I noticed the notary has become in breach of its oath in connection with my consumer credit transaction with Auto Credit USA and XXXX XXXX XXXX XXXX. Specifically I was not present for XXXX XXXX XXXX to verify my signature. I have the original contract as proof of claim. I gave them more than 21 days to cure with no response. I have the registered mail numbers and copies as proof of claim.
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report that was not reported accurately. I had XXXX late payments on the account that I infact paid on time. I have automatic payments setup. the consumer reporting agencies need to report all info with complete accuracy. This account has not been late on payments and I even contacted the company and they refunded my late fees and admitting their wrongs but nothing has been updated on my credit. I'm requesting that this account be updated proving that I had late payments, if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and be marked as paid on time. 

I have attached documents. 

They are stating I was late many months in a row XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Debt collection

NEW ISSUE I am having XXXX  handling my legal claim against Citi and I am requesting all statements from XXXX to XXXX when fraud occurred under my name for the accounts with Best Buy, Citi Costco and Macys to be mailed to me. Respond to the complaint, do not mark this as a duplicate as XXXX needs specific documents.
Product: Mortgage

My name is XXXX ( XXXX ) XXXX and Bayview Loan Servicing is the mortgage loan servicer on my mortgage loan ( Loan # XXXX ). It has been a couple of months that this company keep sending me letters about the home insurance certificate for my residence. I have asked my insurance company to send them ( email address is XXXXXXXXXXXX ) a copy of my home insurance certificate. A copy of that certificate has been sent to Bayview on multiple occasions ( On XX/XX/XXXX and again on XX/XX/XXXX ). However, I received another letter dated XX/XX/XXXX from this company claiming that they have illegally purchase insurance on my behalf and they threaten to deduct the exuberance cost of this illegal policy from my escrow account. 

I filed a complaint with CFPB on XX/XX/XXXX, and Bayview provided a false response to that complaint on XX/XX/XXXX. 

In its response letter dated XX/XX/XXXX, page 2 of 4, Bayview claims that it was not in the receipt of an updated insurance policy until the policy was received via email on XX/XX/XXXX, and was processed on XX/XX/XXXX. This is a pure lie, as I have an email evidence that the updated insurance policy was emailed to Bayview Insurance department ( i.e., XXXXXXXXXXXX ) on XX/XX/XXXX, and again was forwarded to them on XX/XX/XXXX. 

I believe Bayview has been caught in a lie to a federal agency now. They received the proof of insurance that they were seeking on XX/XX/XXXX, but they refused to process it until XX/XX/XXXX. That is more that a month, during which time, Bayview was harassing me with threatening and distressful letters about purchasing lender imposed insurance policy. 

I want CFPB to ask Bayview about their recent lie in their response. I have attached a copy of the email that was sent by my insurance agent to Bayview on XX/XX/XXXX. In that email, the certificate of insurance was sent to Bayview, but now Bayview claims it did not receive the certificate of insurance until XX/XX/XXXX, which is a big lie.
Product: Vehicle loan or lease

I was involuntarily out of work from XX/XX/XXXX through XX/XX/XXXX. 
I purchased insurance against unemployment. I filed a claim # XXXX from XX/XX/XXXX and the Company has failed to pay. They say I have to be enrolled in Florida Unemployment and receive benefits, meaning moneys deposited into my account first before they can pay. I was enrolled in Florida UM from XX/XX/XXXX through XX/XX/XXXX then I went back to work for the same employer. 

I have provided the Unemployment paperwork to them, but they wont pay for the three ( 3 ) months of {$500.00} to my loan account, which has become delinquent. 
AND, they have the nerve to report my account negative to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Unfortunately after many failed attempts at getting the fraudulent credit card removed from my credit reports. After sending XXXX and Police Report you have failed to resolve this matter as this has put your institution in violation of the FCRA 605B. I am filing this last complaint with CFPB prior to my legal team filing for damages in XXXX XXXX next week. You refuse to do anything to resolve this issue as the victim of fraud and identity theft. My ex partner had unauthorized access to my information opening accounts and even going as far as making payments on them with bank accounts in my name. When he left me in XXXX everything came to light about the matter.
Product: Checking or savings account

- XX/XX/XXXX : Applied for HSBC Premier Checking account with the promotion to earn {$750.00} bonus by depositing $ XXXX and keep for 90 days. The terms stipulates the $ XXXX can be a combined balance of checking/saving/investment balance - XX/XX/XXXX : HSBC Premier Checking account approved. 
- XX/XX/XXXX : HSBC Direct Saving account opened - XX/XX/XXXX : Deposited $ XXXX into Premier checking account - XX/XX/XXXX : Transffered $ XXXX from checking account to saving account - XX/XX/XXXX : 90 days requirement has been met, but no bonus amount has been posted - XX/XX/XXXX : Checking account no longer appears online. Did online chat with HSBC agent, and was told the account was closed by the bank for {$0.00} balance. I inquired about the {$750.00} bonus as I have met all the terms required. Agent responded that since the checking account got closed, they will not provide the {$750.00} bonus. 
- Also called them on the phone, and was again told there is nothing they could do. 
- The terms of the promotion only specified that the combined balance of checking/saving/investment need to be $ XXXX or more for 90 days, which was clearly met. The bank can not simply close my checking account and refuse to pay me the {$750.00} bonus originally promised