23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our conventional mortgage was originated in XX/XX/XXXX which included a PMI payment. On XX/XX/XXXX a request was put in by myself to our Mortgage specialist, XXXX XXXX, to apply for an appraisal to remove the PMI. XXXX corresponded back asking if I believe the house was worth {$330000.00} which was the amount home needed to appraise for in order to remove the PMI. I responded yes and to move forward with the request. 
We received that paperwork from chase a few days later completed along with a {$490.00} check for the appraisal. The appraisal was preformed on XX/XX/XXXX and I followed up with XXXX to see if he had heard anything about the appraisal. XXXX responded back that the house had appraised for {$340000.00} and the PMI was to be removed. He elaborated that we were to receive a letter soon stating the PMI has been removed but to make normal mortgage payments until we receive that letter. 
We received a letter on XXXX starting the PMI cancellation was denied do to the appraisal not meeting the requirements. The letter then elaborated the necessary requirements in order to do so which I understood. 
I placed an initial call to Chase mortgage on XXXX and discussed the events that had occurred and questions why an employee who services mortgages stated the PMI was to be removed then we receive a denial letter. The representative understood my grievance and ask I fax the emails in to the escalation team. I would hear back from them once it was reviewed. I called back a week later to follow up in which I was told they had a log of me calling but no further information on file and the emails were never received. I stated my story again and I was told a member of the escalation team would give me a call in the next 2-3 days. I never heard from a team member and received another letter from Chase ( same letter as the initial denial letter ) stating they would not remove the PMI which leads me to understand they received the emails. 
I called back Chase on XX/XX/XXXX which I stated I wanted to speak to a member of the escalation team to discuss the emails. I was transferred to a woman named XXXX which I discussed my case with in which she said to fax her the emails directly and she would discuss them would her manager and give me a call within 48 hours. I never received a call. 
I placed another call to chase the following week stating my case and saying in never received a call. The representative explained more information about the denial but I repeatedly told her I understand why I was denied but wanted to discuss the emails in which the Chase employee stated that the PMI would be removed. She said she would put another request in for the escalation team to call me, I never received a call. 
My final phone call was on XXXX which I discussed the circumstances of my case with a representative and told the individual I would like to speak to a " decision maker '' today in which I was told that was not possible but she would put in a request for someone to reach out to me in the next 2 days. I  explained that this was the final call before I take legal action and file a complaint. I never received a call.
Product: Debt collection

On XX/XX/XXXX, without recipient or confirmation of legal procedure or notice of documentation to evict from apartment complex nor court document posted nor mailed from XXXX XXXX XXXX Sheriff department. This action lead to eviction/homeless only to later XX/XX/XXXX rec. photo copy of notice mail from XXXX Sheriff department however no letter from the collection agency listed on credit report. 


I.Q. DATA INTERNATIONAL, INC XXXX XXXX XXXX XXXXWAXXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # 2003 XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND EQUIFAX DID NOT RESPOND.
Product: Credit card

The {$8.00} late fee limit law was finalized on XX/XX/2024 and Capital One ( scammers ) charged me a {$28.00} late fee on XX/XX/2024. They are included in companies the law applies to. I called them on XX/XX/2024 to rectify this and was told they couldnt refund the fee. I then brought the new law to their attention, asking if they planned on crediting me the extra {$20.00} they charged me since the late fee limit is {$8.00} and they acted like they never heard of the law even though it comes right up on XXXX and Im sure theyre required to know of the laws that affect them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has now been 30 days since my dispute with the company. None of the account listed in my documentation has been notated as disputed, remove during the investigation, nor have I received any kind of communication of dispute. 
Equifax has been negligent during this investigation and is in violation of 15 USC 1681i. 
see attached documentation
Product: Credit reporting or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX XXXXXXXX ACCOUNT # XXXX
Product: Debt collection

I have never had insurance threw the XXXX either have I had and account with XXXX XXXX XXXX  both of these accounts are fraudulent
Product: Debt collection

I submitted a previous complaint ( XXXX ) where I stated this credit card was not approved per customer service rep and a letter was sent to my home address from XXXX XXXX  explaining the reasoning for disapproval. As the time went by, I had no acknowledgment of this credit card until tidewater sent me a notice of hearing for small claims. This item never showed up on my credit report. After looking into these allegations, not only was the card approved, but it was wiped out the first week it was opened. The items forwarded to me by tidewater as their proof of acknowledgment was a very incomplete application with a clearly forged signature and a inflated income which is very off because I am on XXXX. Because my complaint was denied by cfpb, the attorneys office pursued legal matters along with tidewater and received final judgment without my presence at the hearing. I did not receive a notice to appear. If I genuinely applied and utilized this card as I am being accused of, it should be easy for them to validate and show me all those cash advance purchases made the first week the card was opened.
Product: Student loan

I sent a money order in and it did n't get posted. My payments are never later than a day after. I noticed my payment did n't post after 7 days from the due date. I called and I was told I have to send a copy of the check being cashed. After doing my research to recover my money order stub. The copy of the stub showed that I forgot to put my account number on the money order. I sent a copy of the money order being cashed by Navient to Navient. I have yet to see my account be credited the amount of {$87.00} since XXXX XXXX, XXXX. Same thing happened to my husband in XXXX in the amount of {$280.00}.
Product: Credit reporting or other personal consumer reports

Equifax, Experian and TransUnion have not been following the consumer law.

With there new lawsuit against them I knew than and now they did not investigate my requests properly and have effected me financially. 

XXXX XXXX XXXX XXXX collection 15U.S.C 1681i ( a ) ( 1 ) ( A ) 15U.S.C 1681s-2 ( a ) ( 3 ) XXXX XXXX Was paid collection for deletion. All XXXX bureaus ignored letters and did not research proof. All the did was put paid for status and Equifax still has it as derogatory XXXX XXXX This is a business card that should not be on my credit as it was for a business The XXXX credit bureaus did not do there proper investigations and have been gaslighting me for awhile. From delay tactics as proof of identity, saying letters are not from me etc. All proof have been included like copy of license and utility bill and notorized. Now they have been sued for improper investigation I know for a fact a was a victim. I was also a victim of the breached last year and still they ignored me. They have ruined me financially and opportunities to move forward in life. 

I would like the items above removed from my credit immediately. 3 years of breaches and them being sued with me fighting is enough
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inconsistencies with my report. There are multiple tradelines/credit lines open and in good standing for me but they are not reflected on my credit report for Transunion. The account i'd like to XXXX  is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ACCOUNT NUMBER ENDING IN XXXX which was opened XX/XX/2021 with a limit of {$2500.00}.
Product: Credit reporting or other personal consumer reports

Around XX/XX/2023 I decided to take a look at my credit report since it's been a while since I last decided to. And I noticed misinformation/fraudulent information that wasn't associated to me. After that I went calling the companies and to my luck they weren't any help. But to fill out a form and mail it so I did that on XX/XX/2023 and I assumed that started the dispute process since that's what was now showing on my credit report. So I waited for the about a month or so and got letter from XXXX stating that they did their investigation and that the accounts were removed from my credit report, Equifax needed more information like my ID or passport and my SSN Card and I couldn't provide a new ID because it had my old address on it so I already knew that was going to work since the address on my Driver License was different than the one I was making the claim under, XXXX send me a letter stating that the accounts I disputed were no longer going to be on my credit report. Then around the end of XXXX I was finally able to get my new ID from the DMV so I resent the form and information/Documents they requested another month since I sent that information, so i go check my credit report XXXX had removed the information as they stated but still had misinformation involving personal information, XXXX removed 2 out the 3 accounts and didn't fix any of the misinformation, I didnt get any confirmation letter from Equifax since I sent the documents and they just removed 2 out the 3 and didnt fix the misinformation either so for both the last to its now showing as closed/charge off but is still on my credit and it's effecting my Personal Life/Well-being.
Product: Checking or savings account

I went to a Wells Fargo branch on XXXX XXXX XXXX on Saturday XX/XX/XXXX around XXXX and went through a drive through. 

I filled out my deposit slip I filled out my account number They sent a XXXX to my account, etc. 
Had my ID .... 

Tells me after 20 minutes of waiting and dragging my elderly father out of the house I can not withdraw my own money because " We have none of your documents on file ... '' I am absolutely floored at the practices of this bank. What would you like next? XXXX XXXX XXXX 

Ridiculous!
Product: Prepaid card

Transactions where made from XX/XX/XXXX to XX/XX/XXXX that addded up to the amount of XXXX or more. I made a police report and faxed it to them and they aproved one of the transactions for XXXX but denied the rest of my dispute ive re opened the claims more them 7 times and still denied. And i need my money
Product: Credit reporting, credit repair services, or other personal consumer reports

To All party involve Equifax XXXX. XXXX  XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX/XXXX XXXX # XXXX XXXX  XXXX # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I called credit bureaus and informed them their are inquiries i dont recognize would not remove without removal letter from the companys, companys could not provide info because there is no account open
Product: Mortgage

Dear Sir/Madam, I am writing to formally lodge a complaint against Developer Mortgage for their failure to transfer foreclosure notices to my current mortgage company, which led to the foreclosure of my property. 

Details of the Complaint : Property Address : [ Your Property Address ] Initial Mortgage Company : Developer Mortgage Current Mortgage Company : XXXX Mortgage Servicing Developer Mortgage was the initial mortgage company when we purchased the property. However, after they transferred the mortgage to XXXX XXXX they remained on the title. When the XXXX XXXX ( HOA ) sent foreclosure notices, they were sent to Developer Mortgage. Unfortunately, Developer Mortgage failed to forward these notices to XXXX XXXX leading to an uninformed foreclosure on my home. Neither my current mortgage company nor I were aware of the foreclosure proceedings until it was too late. 

Resolution Sought : I respectfully request that the CFPB investigate this matter and take appropriate actions against Developer Mortgage for their negligence. Additionally, I seek assistance in reversing the foreclosure process to recover my home. 

I appreciate your attention to this serious matter and look forward to your prompt response.
Product: Payday loan, title loan, or personal loan

Spoke to numerous representatives in which I set up payoff amount early so my loan could be paid in full & not be reported 30/60 days late. They stated numerous times the membership was late but my loan wasnt & my credit report would not be affected. They lied. My report has listed 60days late in XX/XX/XXXX when the loan was paid off in XX/XX/XXXX. Also they refused to let me pay loan with another checking account which belonged to me. They refused to look into this matter when I reached out to them. They stated file a dispute
Product: Mortgage

I sold my home and the closing date was XX/XX/2018. I had an overage in the escrow account. I have not received the refund of the overpayment amount from the escrow account as of this date, XX/XX/XXXX, and as I understand, I should have received the refund no longer than 30 days after closing. The mortgage company, Guild Mortgage has told me that a check has been mailed twice. The first check appears to have been lost ; it never arrived to me. I requested at least 3 times that the amount be sent by expedited mail so it would arrive to me closer to the 30 day cut off time after it was determined that the first check went missing and was not cashed, but they did not honor my request. It has been verified numerous times that the mortgage company has my appropriate address.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 or other personal consumer reports

I did not authorize these inquiries and strongly suspect they are not legitimate. I urge you to conduct a thorough investigation and promptly remove them from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has been paid. inaccurate Credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax & XXXX To Whom It May Concern : I recently asked you to verify the information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. 

Item in Question : Bankruptcy On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX I sent you a notice that your process was not valid due to my going directly to the company ( US Bankruptcy Court, XXXX, TX, and XXXX ) and either they do not report to Consumer Reporting Agencies or they are not reporting the alleged bankruptcy that you indicated in your correspondence dated XX/XX/XXXX, and the information being verified XXXX XXXX XXXX Your attached correspondence shows that you replied that the alleged bankruptcy was verified via XXXX and stated that my dispute was resolved without sending me any documentation or proof of an actual investigation. 

I am aware that per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point, you have been granted that time. This is a formal notification that I plan on filing a complaint with the CFPB, and XXXX against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

I have enclosed their letter for your inspection. Please delete this unverified information as you may have mixed/merged my credit file. 

The OCR and E OSCAR verifying this information is not recognized as proper validation! If this information isn't removed from my consumer report immediately. My rights as a consumer indicate below. 

You are required to provide me with actual documentation of verification or... 

Remedies for Fair Credit Reporting Act Violations If any of these three types of entities ( credit reporting agency, information supplier, or user ) violates the rules in the FCRA, you might be able to sue them in state or federal court for damages. 

The FCRA lets you sue a credit reporting agency ( or another person or entity that violates the law ) for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the violation, whichever is sooner. 
Please mail me an updated copy of my report once the bankruptcy is DELETED.
Product: Debt collection

Jefferson Capital Systems say I owe a debt to XXXX!, XXXX does NOT exist and I have never received goods or services from XXXX therefore the debt is not valid and they ( Jefferson Capital Systems ) are illegally attempting to collect a debt that's not valid. Jefferson Capital Systems has already damaged my credit score, my credit went down XXXX points because of this fake debt that I do not owe, please help!