23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report, they do not belong to me, and are hurting me. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

2. Identity Theft PORTFOLIO RECOV ASSOC Account Number : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Number : XXXX This is not mine. 

7. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Mortgage

They responded after I requested removal of PMI saying I did not meet an 80 % loan to value to your original value. 

They are including {$70000.00} fees in the original loan amount incurred during a hardship refinance in 2009. 

Regardless my loan qualifies as it is almost XXXX XXXX XXXX. 

A lender or servicer must end the PMI the month after you reach the midpoint of your loans amortization schedule. ( This is true even if the principal balance has not reached 78 percent of the original value of your home. ) The midpoint of your loans amortization schedule is halfway through the original full term of your loan. For 30-year loans, the midpoint is after 15 years have passed. 
This standard for ending the PMI halfway through the loans original term is more likely to occur for people who have a mortgage with an interest-only period, principal forbearance, or a balloon payment. ( My loan has a balloon payment )
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting agencies stated that these accounts were properly investigated and verified but this is impossible since all of the agencies are reporting different information. The account numbers, high balance, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore reporting inaccurately. This Constitutes grounds for removal of these accounts. 

According to 15 USC {$1600.00} ( 2 ) Exclusions ( a ) ( i ) a " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. So why are these agencies reporting categories such as late payments, high utilization, chargeoffs, and others when then law specifically states that such private transactions and or experiences between a consumer and CRA 's are to be excluded from a consumer 's report? Each forbidden category reported is a violation of my rights. 

Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy and that right has been violated. 

My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to the credit reporting agencies to furnish these inaccurate accounts and therefore they must be deleted.
Product: Mortgage

From XX/XX/XXXX through present day I have not missed or been late with a mortgage payment. In XX/XX/XXXX XXXX sold my loan to Specialized Loan Servicing ( SLS ). In the confusion created by this transaction, payments were mis-applied by me to the XXXX account rather than to the new SLS account. The mis-applied payments were refunded to me, but in the mean time this caused my SLS account to become delinquent. Once I became aware of the situation I promptly paid what was due to SLS. I also informed SLS of the issue and I thought the problem had been resolved. Now my credit report is showing an adverse account and my credit score is 100 points lower than it should be. 
As I said before I have always made my payments in full and on time. But for the XXXX sale of my loan to SLS and the ensuing confusion, I would not have become delinquent on this account. I have spoken with SLS and explained the situation. Their response is that they are unwilling to take any action on this matter because they " don't have to ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

A old charged off credit entry still shows after the date of deletion recently for the month of XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX people lost their personal and sensitive information. Experian should be closed forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORT THEY DO NOT BELONG TO ME XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$310.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3000.00} Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Collection account. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX.
Product: Mortgage

The complaint I have is two fold. I am currently trying to save my home BECAUSE I was connected with a Mortgage broker who had me sign papers but never explained to me how the XXXX renovation process went. Everyone I worked with redirected to someone else. I have emails upon emails regard people telling me to go to different people up until this point I have been told that I don't qualify for a modification because I have only been in my property under a year. I will be calling and writing Washington BECAUSE what has happened to me is CRIMINAL and I WONT lose my home due to negligence. I have phone conversations, emails and texts of me asking for help or trying to understand the process all on my own. My ISSUE is I was told that there was assistane to help cover my living expenses during the XXXX process but I was NEVER told the request for these funds needs to be included in the work scope prior to closing. I am in a financial crisis now which partly my fault because I tried my best to handle this on my own. I havr maxed out ALL my credit cards. My credit is ruined and as a result of late fees and insurance increasing I can't afford to pay my mortgage. I'm in the process of applying for the HOME SAVER Grant and I really hope they can help me. But never the less this issue that I'm now in partly has to do with how I was TREATED during and after the mortgage/closing process. I signed documents and asked more then one time for help before deadline approached and was advised that everything was ok. I would like to see if you could offer any assistance with this matter before I move up the chain of command. On my part I have waited a long time with the hope of trying to resolve this on myself and I should have NEVER done that. I'm now facing losing my home and I have not even been there a year. It's sad and stressful but I know someone can help me I just have to keep looking and writing and start to hold people accountable ( this includes me ) for there actions. Please help me save my home.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my XXXX report that are not accurate and is preventing me from having a XXXX FICO score. The following include : 1. Negative Account Information : XXXX XXXX that dates back to 1987.  This should have been removed from my profile. 

2. I have been borrowing money for the last 30 years with the bulk of the borrowing coming in the last 5 years and still events from 30 years ago are factored into the FICO score.
Product: Bank account or service

I opened an online savings account with Discover Bank with the promotion code XXXX, which was to award new savings account customers with {$100.00} if they open a new savings account by XXXX/XXXX/2015 and fund with at least {$15000.00} by XXXX/XXXX/2015. When I entered the promo code in the account application process, it immediately showed the terms of the promotion, so I felt confident it was being applied to my account. I opened the account on XXXX/XXXX/2015, and funded it over {$15000.00} by XXXX/XXXX/2015. However, now that the 30 days has passed since funding ( the specified time frame in which the promotion was to be awarded ), I contacted Discover and they informed me that they had no record of a promotional code being used to open my account. I would not have opened the account, or had the predictable transaction pattern, had I not signed up for this very specific offer which appeared to be successfully applied when I opened the account. They are now saying it will take them 8 weeks to investigate my case, for a promotion that was supposed to have paid out in 4 weeks already. This seems like an extreme amount of time.
Product: Credit card

My husband and I each had a XXXX XXXX XXXX that we used to purchase round trip tickets from XXXX to XXXX last week. At the same time, we are both holders of the co-branded AMEX/XXXX - which entitles us to priority zone XXXX boarding, a convenient benefit since you can be assured that there will be ample room in the overhead bins for your carry on luggage. On our return trip XXXX from XXXX to XXXX, we were issued zone XXXX boarding, virtually guaranteeing no chance that there would be overhead space for our bags. Both my husband and I called both XXXX and AMEX and we were told by AMEX that it was a XXXX 'issue ' and told by Delta that due to the tickets being 'e ' class, they did not need to honor zone XXXX boarding. When purchasing the tickets, there was no mention of any restrictions that an e class fare carried. I presented my case to both XXXX and AMEX - that this was false advertising on their website - they capture customers by this fantastic benefit and there is absolutely no mention whatsoever that it is restricted to certain fare categories. XXXX supervisor went so far as to tell me to check the 'fine print ' area - I did that as well, no mention of restricting zone boarding to certain fare classes. She then told me that there is always the last statement, 'terms subject to change ' or something along those lines. They recorded several of the conversations when they were at the supervisor level, but all to no avail. In my opinion, this is a massive case of false advertising in the hopes of capturing large amounts of customers with benefits that they might/might not provide. Numerous individuals from both companies did not have an answer as to why the benefits were published on the website with no mention of any fare classes that would disqualify these benefits.
Product: Debt collection

Ive been repeatedly harassed by phone calls multiple times a day from Portfolio Recovery Associates , LLC. They are using an attorneys, XXXX XXXX XXXX, XXXX. Ive tried settling this debt with them on multiple occasions. Ive made several payments and they always say they are sending a payment agreement in the mail and I never receive anything. They have tried to garnish my wages on several occasion and I dont make enough for them to do so. They call me multiple times a day on an auto dialer, which they are unlawful in doing so without permission from myself. They can impose up to a {$1500.00} fine, if Im correct. Ive done my part in trying to get this taken care of and the continue to harass me and threaten my job. Something needs to be done. Ive been to court several times with no resolve to this matter. Ive asked for an original purchase agreement from the collections agency, which they have failed to provide.
Product: Debt collection

A complaint was filed with the company to Validate the debt, and they have yet to do so. They still have yet to send a letter explaining what the debt is for. They do not even know if its mine or what it is for, so how are they trying to fraudulently collect on something that they have never verified. They have also called me by another name in their response to my initial complaint which was changed up until recently in which if I do have the debt they have the wrong name once again failing to be verified.
Product: Debt collection

I, XXXX XXXX, along with my financial consultant Mrs. XXXX, contacted the company named Naviant the SECOND alleged collection agency for my bank XXXX XXXX XXXX XXXX XXXX. The First agency sent me a letter confirming that the Debt was paid off and there was a XXXX Balance. I went back to the Bank XXXX XXXX to attempt to reopen a bank account for myself so that I could do business but on my return, the bank again said No because I still had an outstanding balance with the SECOND debt collector Naviant, and I would have to contact them to settle the account. I contacted Naviant and told them that I received the letter from the First collection agency for the bank and that I was not understanding how there were two collection agencies for this one bank. I asked them to check their files and see if there were still any outstanding balance and if this letter covered that amount as well. That initial contact was around XX/XX/XXXX ; from that date until XX/XX/XXXX ; I heard nothing from Naviant in regards to their investigation. Meanwhile, I am being prevented from being able to do any banking due to this alleged outstanding balance. So, I wrote to them on XX/XX/XXXX informing the company that they were not in violation of the Fair Debt Collection Practice Act ; and other consumer protection laws and that they also needed to send me a letter that this debt was not owed because any alleged debt owed to them or XXXX XXXX  is BEYOND THE STATE OF LIMITATION for enforcement of that alleged debt. I and Mrs. XXXX contacted Naviant again today, XX/XX/XXXX. I gave them permanent authorization to speak to Mrs. XXXX in reference to the alleged debt and any information they came up with and the Rep. said that they would contact Mrs. XXXX, by the end of business day today, in reference to her findings. Also, this rep stated that they sent to the XXXX XXXX ( 2 ) request for validation & notice of my debt challenged and they have heard nothing from XXXX XXXX yet in over ( 2 ) months, well beyond the required legal limit to respond when a consumer challenge a debt. This is ridiculous and complete Unsavory & Bad Business Practice and his hurting my business and unlawfully preventing me for participating in Commerce & unfairly & unreasonably preventing and obstructing me from the Financial Banking world.
Product: Debt collection

I have no recollection of any business transaction with " HARRIS & HARRIS ''. Currently these " organizations are reporting a delinquency with the balance of {$1800.00} major credit reporting agencies. After my own investigation I confirmed with the XXXX XXXX XXXX XXXXXXXX that at neither " company '' has a valid and current corporate status. The CFPB removed a tradeline XXXX XXXX XXXX {$140.00} third party agent on behalf of XXXX XXXXIn fact, both are acting in bad faith and will be reported to the XXXX XXXX, AND IRS! XXXX Now that I am aware of this tradeline unlawfully reporting on my consumer report. I would like to conduct a further investigation. Please submit all documents that you have submitted to consumer reporting agencies.Any information used to create this tradeline on my credit report and tax documentation filed for cancellation of debt from original creditor. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this tradeline on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States *. ***, 737 F.3d 129, 134 ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. XXXX has removed the account over 6 times within the past year from collection attempt from HARRIS & HARRIS! I'm disturbed with the credit reporting debt collection tatics and I need help... If you delete this tradeline and provide payment for {$140.00} tradeline, I will drop my claim against the companies.
Product: Debt collection

Everyone in my family is receiving calls and texts messages about this debt.. saying the I owe this debt and it is delinquent. They also call everyone with my last name and threaten to locate me to go to jail. A guy says he is a government official looking to locate me for jail or court if I dont pay. Called 4 family members.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act. Cash App failed to take timely and effective measure to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute process was unfair and deceptive as they didnt investigate or comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Mortgage

Bank of America 's Escrow Department failed to pay my property taxes in a timely matter and failed to provide me with the escrow funds in a timely matter in which I could pay my property taxes prior to incurring a penalty. My taxes were due on XXXX XXXX 2015, on XXXX XXXX 2015 I paid the full loan balance of my mortgage with B of A and they waited till XXXX XXXX 2015 to refund my Escrow and even through they knew the taxes were due, failed to make the payment prior to the delinquent date of XXXX XXXX 2015. By the time I received the funds and understood they had failed to pay my taxes when due, I had incurred a penalty of {$170.00}.
Product: Debt collection

There is several reasons I am reporting this company CNAC not only for negative marks on my credit but also threatening me with legal action or that my credit is affected I believe the guy named XXXX who was the person who originally sold us this car but when many occasions after we have gotten a debt paid down to {$3000.00} the transmission went so with me facing financial hardship and having to go through route of bankruptcy, I informed them that I want to do a voluntary repossession that is XXXX XXXX said because the transmission did not work. This was not how the contract worked that I could not turn in this vehicle that I was unable to you know do something without severe repercussions so I intern told him that it was a voluntary repossession that it would be paid off the end of XXXX beginning of XXXX I called him at the beginning of this month the end month and my husband who is a co-buyer witnessed me calling them. He even called to speak with CNACS manager by the name of XXXX I do not have none of these peoples last names but at XXXX point in time, the car lot was called XXXX XXXX in XXXX XXXX, XXXX. They never once took accountability for an over priced used car and actually did the appropriate maintenance as they were supposed to. Please note these people are the very definition of liars and thats fact!!! Please investigate these want to be financial institution for car loans. Im sure you all have tons of reports on these people. I tried so many times to get this car picked up as I can not bring them a none working car and with money being tight and facing bankruptcy they will not pick up this vehicle