23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased this house with maximum financing at 95 % LTV. I then sold my previous house and used the proceeds from purchase of previous house to paydown/modify the initial loan amount for my new purchase. Wells Fargo then paid down the balance and modified my monthly payment but continued to charge me for the monthly mortgage insurance payment after I requested for them to cancel the monthly XXXX XXXX mortgage payment for the initial loan balance that was used to purchase the house after I paid down the mortgage balance owed being well below the 78 % LTV making the modification. After selling my previous residence, i modified my previous loan balance to under 78 % LTV and requested my monthly mortgage insurance to be canceled. Wells has charged me monthly mortgage insurance payments since i requested for it to be canceled since the modification payment was made. When I paid down the loan amount to below 78 % ltv, I requested the monthly mortgage insurance to be canceled. I recently noticed Wells has been charging me for monthly mortgage insurance since paying down the balance to below 78 % LTV and I have tried requesting a refund from wells but they stated in a US mail correspondence that I did not request the mortgage insurance to be cancelled and they do not owe me a refund. This is ridiculous. I have XXXX  years in mortgage banking experience and requested the the monthly XXXXXXXX XXXX XXXXXXXX to be cancelled when I paid down the balance. They owe me for the excessive PMI payments, I have record of my monthly MI payments yet Wells says I did not request the monthly PMI to be dropped when I I went below 78 % LTV but I did request for the monthly PMI payments to be dropped, they just never did. It took  XXXX years to learn they did not drop the monthly PMI payments, when I noticed and brought it up to Wells, they said I did not request for the PMI payments to cancelled when I paid down the balance but I did request for it to be dropped. I am a mortgage professional that had to close down a family owned mortgage company due to XXXX restrictions and not knowing if a bank could buy the loans we were selling. I feel Wells Fargo is not providing the fiduciary responsibility they owe me as a loan servicer. My calculation, they owe me roughly {$1800.00} in excessive monthly mortgage insurance payments that were not needed. Please contact me at XXXX and leave a message if you have any questions about this request for refund from wells as I have tried to talk to someone from wells twice but all they do is mail a response even after requesting for a call and voicemail from someone that can provide answers to the questions I have. 

Thank You, XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed some fraudulent accounts, please delete these fraudulents accounts as it prevent me to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to rectify this issue directly with the agency and this is my second attempt with the CFPB. The initial complaint took longer than 30 days and did not fix the error with TRANSUNION, nor has proof of written consent been provided following the investigation. 

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

XXXX XXXX - XXXX XXXX SYS : # XXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a letter of validation to Trans Union Credit Reporting Agency for validation on several accounts on my credit report and the company has not furnished the validation but they continue to report the accounts on my credit report. This has been on ongoing problem dated as far back as of 2021 to get the company to valid the accounts. As you can see from the letter attached the court system does not report to third party reporting agencies and in Trans Union response they do not show how the information was obtained or from whom the information was obtained from
Product: Credit reporting or other personal consumer reports

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent.
Product: Money transfer, virtual currency, or money service

CashApp did not have live agents to help customers with their issues, and they lied about having numbers for customers to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting acXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX is the amount I'm disputing the company let someone Doc sign for apartment in XXXX Texas 15 u.s.c. 1681 section 602A states I have the right to privacy 15 u.s.c. 1604A section 2 also states A consumers reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX and the Department of Education are making it impossible for me lead & grow my corporation as the founder and CEO, of a SBA 8 ( a ) registered company. The company was just denied a business line of credit and credit card by Bank of America stating the reasons as delinquent student loans and limited credit profile. I paid the student loans to a {$0.00} balance and did not wait for the government to give me a free hand out forgiveness loan. I worked 365 days straight with no days off to save up to pay off the entire loan balance. Almost 5 years later, the Department of Education is tarnishing my personal character by listing erroneous information that doesnt accurately reflect my character. The Department of Education is listing my accounts as delinquent when I paid them to a {$0.00} balance. This is a clear case of discrimination in lending and a clear violation of my rights under the FCRA. How dare the Bank of America representative criticize my ability to repay one credit card with a $ XXXX balance. Yes, I have repaid my one, open installment account to a XXXX balance every month since XX/XX/2023. At the age of XXXX and still leading an active/in good standing corporation for the last seven years in business, Id say we are an ideal business to receive funding from a traditional lender. But at this point its clear to me that the real reason for being denied a business line of credit for an established corporation with no derogatory reporting and an owner with good credit is only because of my race as a XXXX XXXX.
Product: Debt collection

I recently went on my credit report and saw I have a collection from Midwest Recovery Systems. I called to find out why this has been placed on my credit report to and they said it was from a XXXX XXXX of {$840.00} in XXXX from XXXX XXXX. I have never received or applied for a payday loan and this is fraudulent. I asked for a proof of debt and they would not send. I have never received funds from this company and they need to be removed this from ALL XXXX credit bureaus asap! This is a scam to collect money. XXXX XXXX is no longer in business as well. This is complete Fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit collection agency reporting medical bill due. I did not have a XXXX XXXX XXXX XXXX XXXX XXXX  bill this year. They show I had 3 separate charges incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.
Product: Checking or savings account

XXXX through XXXX I periodically had overdraft fees come out of My account fraudulently with no mention from the company Wells Fargo.
Product: Debt collection

It's Portfolio Recovery Associates, they call on weekends and weekdays, 2-7 times weekly on different phone numbers occurring for months. Feel harassment amd invaded by company.
Product: Credit card or prepaid card

Statement XX/XX/XXXX attatched ADJUSTMENT PURCHASES {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROOF USAA * BEGINS FRAUD INVESTIGATION A THIRD ( 3RD ) TIME with Proviional Credits that do Not Apply to Balance SUMMARY OF ACCOUNT ACTIVITY IS UNTRUTHFUL CLAIMING OTHER CREDITS OF {$620.00} TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD ARE {$400.00} of which I paid {$200.00} and rest paid with PERMANET CREDITS OF {$190.00}. XXXX XXXX Why is USAA INVESTINGATING FRAUD FROM XXXX 3 TIMES? These charges are fraud charges from XX/XX/XXXX Perhaps to collect credit reversals from the ADJUSTMENT PURCHASES never applied. All USAA TRUTH IN LENDING STATEMENT. with fraud LIE DECEIVE CONSUMERS INTO THINKING CREDITS WERE APPLIED WHEN THEY WERE NOT ANYTHING HIDDEN IN SECRET NEEDS TO BE EXPOSED Why hide If credits are not given it is a crime to take them back so given or not IT SHOULD NOT BE HIDDEN FROM CONSUMERS Reading these statement THEY ARE DECEPTIVE WITHOUT EXPLANANTIONS ADJUSTMENT PURCHASES DO NOT APPLY TO BALANCE ONLY {$400.00} TOTAL PAYMENTS AND CREDITS.
Product: Debt collection

I noticed that I had dept on my credit that was not on my behalf, my identity had been stolen before and I need this dept to be removed off my credit immediately because this is holding me back
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 from XXXX till XXXX XXXX, I was the victim of a multi-level fraud operation organized by hackers whose software somehow got onto my device ( laptop ) and the last time I logged into my Coinbase account, money first tried to be transferred in the full amount of approximately XXXX USD in the form of BTC, Dogecoin and Cardano cryptocurrencies. After Coinbase withdrew this transfer, the funds started transferring XXXX USD each for half an hour until there were no funds left in my account. In addition, the scammers withdrew approximately XXXX USD of the credit funds you provide to customers and your company requested me to return them, after which my account was blocked by you. I had nothing to do with this scheme, I was the victim of a hacker attack. Two-factor verification was not requested during the transfers to confirm them. I still have proof on my device, moreover, I have sent several requests to the FBI for investigation and my case is pending. The equivalent of XXXX ADA, XXXX DOGE  and XXXX BTC was transferred from my wallet utilizing your services. Please take notice that my funds were transferred without my permission.
Product: Credit reporting or other personal consumer reports

Jcmb- card services Date- XXXX Acct- I have not record of this account or any information in my possession. ( starts with XXXX on credit reporting ) Creditor Contact- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint Date opened XX/XX/XXXX Status Open. {$790.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$57000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$1100.00} Original balance {$62000.00} Highest balance {$0.00} Terms 72 Months
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for providing incomplete documentation to validate a debt. The company typically responds within XXXX days and sent an agreement asserting that I was the borrower, along with additional documents. However, none of these documents bear my signature to confirm my obligation. 

I believe this practice does not meet the full validation requirements under applicable consumer protection laws. I request that the CFPB investigate this matter and take appropriate action to ensure that proper, fully validated documentation is provided. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency : XXXX XXXX Address XXXX XXXX XXXX Account number XXXX NAME XXXX XXXX XXXXYour NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear, XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Comenity smile gn debt was sold. I called them and was told this debt is no longer valid and that it should not be on my credit report as of XX/XX/year>. OVER 7 years later later and it is still on my report. THIS XXXX XXXX XXXX  DEBT NO LONGER EXITS. I HAVE DEMANDED FOR THIS INACCURATE DEBT THAT I DO NOT OWE XXXX XXXX XXXX needs to be removed immediately. This is fraudulent activity on XXXX and Transunion. I am going to sue these credit bureaus if they continue to fail to do their job. Remove this from account. There is a XXXX balance charge off since XX/XX/year>.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 602 SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN CONSENT.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a direct connection between Navy Federal CU >Navy Fed investment svs >Navy Fed Brokerage > XXXX et al. And so fourth. Based off the evidence that I have found leading to false information to leading me to different directions. This is not at all in good faith to lead a noteholder in misleading information. I am lead to believe there has been a breach in contract for all parties involved also securities, equities EFT fraud happening. When I found the company XXXX for the first time I so happened to click forgot user name and there was an account already opened up for me. Privacy violation # 1 I never gave NFCU et al or XXXX et al permission to do this. Not only that but to restrict access the securities and equities I have with rights to. J know that theres a certain process to this but with both parties telling absolute lies there can never be remedy without cpbf etc. so I am writing because it is time for CFPB to regulate and help because this can not go unjust. I havent received no dividends payouts for the treasury notes, no certificates of indebtedness past present or current. Navy Federal has taken unlawful money from me from debts that were already discharged. I want all of my treasury notes returned. That alone was an unfair process. CFPB I am here to work with someone on your end to get this resolved.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Debt collection

Shows as open balance they have called me and my wife repeatedly over the phone they failed to send me verification of debt when I asked.
Product: Consumer Loan

I called BMW Financial Services today, XX/XX/XXXX, in regard to payment owed on a totaled vehicle, a XXXX XXXX XXXX XXXX. The rep I spoke with could not discuss account due to a cease and desist on account, he requested I send an email to XXXXXXXXXXXX, which I did today. I did not receive a reply as of yet. The purpose of the call was to see if a settlement amount is available, there was an XXXX % settlement offer made prior, however, I could not accept it at the time as I was waiting for a legal settlement. The attorney handling the case against XXXX, the insurance company who paid off vehicle, called today stating settlement check would be sent soon. He was able to recover amount owed on loan as part of settlement. I called BMWF to accept a settlement amount of what is owed, the rep said to email the address mentioned earlier but did not hear back. Please advise BMWF I will accept settlement offer of XXXX % as previously offered. I will call in to make payment once offer is verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. XXXX is reporting the account number as XXXX while Equifax reports XXXX is this possible when all data should furnished should be the same? I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you.