23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have tried to get my PMI cancelled since XX/XX/XXXX. I have previously submitted a complaint the case number is : XXXX. In my last complaint the company rep. suggested that we pay {$100.00} so that we can cover the cost of an appraisal to have our PMI cancelled. I have completed the form that Ocwen sent to me. I included a check of {$100.00} and sent it out on XX/XX/XXXX. I then received a letter on XXXX from Ocwen. They claimed that I needed to provide them with an alternate contact numbr for borrowers. I called Ocwen and spoke with a customer service rep. on XXXX/XXXX/XXXXI gave them my husband 's cell phone number. I asked when I could expect to hear back about an appraisal and the person said it would be within the next XXXX hours. IWe did not hear back for over a 2 weeks. My husband finally called again on XX/XX/XXXX. He spoke to a manager and the manager told him that we would get a call back about the appraisal within the next 5-7 working days. We have yet to hear back from anyone about any appraisal. Technically according to my Private Mortgage XXXX Disclosure my PMI should technically be cancelled automatically on XX/XX/XXXX. The document that I signed when I refinanced says : " If your are current on your loan payments, PMI will automatically terminate at the earlier of the midpoint of the amortization period of the loan or on the date the principal balance of your loan is first scheduled to reach seventy-eight percent of the original value of the property. It goes on to explain " The date your loan is scheduled to reach XXXX ( 78 % ) loan to value is XX/XX/XXXX. '' I feel this company is jus making up things along the way. We have done everything we could to get them to cancel the PMI as they are supposed to, including paying XXXX for an appraisal that should not be necessary. Now we are not hearing back from anyone about this appraisal and when we call to try to find out what is going on, no one seems to know that they are talking about.
Product: Debt collection

I was recently informed of fraudulent accounts on my credit report and these are causing financial difficulties/hardships due to the negative effect to my credit report I have recently disputed other fraud that was detected and the items were removed. However I have just noticed more that recently popped up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Actual Statements : The uploaded documents I received from XXXX Shows XXXX is intentionally and maliciously reporting wrong data to the credit bureaus. 

This may because I have ask for validation of this account via original signed contract, origned agreement, or signed application for credit bearing my signature and they have failed to do so after several disputes. 

As I stated, I have requested : proof by means of signed agreement, or signed contract, or signed application for credit showing I applied to this account in a joint status. i could not of signed for joint status my credit was too poor, I was an authorized user on this account and they have reported irregularities on one credit bureau its a individual account and another its joint. They do not have supporting documents required by law abd that is a second reason to remove this account! This account is over 8years old! 

I demand this malicious creditor and/or the credit bureaus remove this from my account immediately! This is damaging me And have been for years until recently noticed! 

Attached you will see where XXXX has repeatedly reported innaccurate information such as the late months and charge off. The last sheet shows one thing and these show another! Im going to sue you all if you dont remove this account immediately! 

You both are breaking federal law!
Product: Mortgage

Due to an error on the part of AmeriHome mortgage, we have been getting delinquent notices on our mortgage. My credit score has decreased overnight by XXXX points. 
On XXXX first, we made a payment. We received a statement dated XX/XX/XXXX which stated our next payment was due XX/XX/XXXX. On XX/XX/XXXX we made another payment. In the statement dated XX/XX/XXXX, it stated our next payment was due XX/XX/XXXX. We made our next payment on XX/XX/XXXX, when AmeriHome said it was due. Beginning in XXXX, AmeriHome suddenly showed us one month behind. A late fee has been assessed every month and our account is listed as delinquent on our credit reports. We called the call center on XX/XX/XXXX. We were told by the person in the call center that our account was current and everything was good. We asked her to make a note in the system that we had called and that our payments were current.she didnt do this.

Weve reached out to AmeriHome several times by phone. They informed us we needed to send a fax with our official complaint. We did that two weeks ago and still havent heard from them. We have copies of all the statements weve received from them, as well as confirmation numbers for all the payments weve made. This needs to be repaired immediately. This is 100 % an error on their part. Enclosed is a letter that was faxed to amerihome on XX/XX/XXXX and statements showing the information I described above.
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  Account Number : XXXX -- Inquiries -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

i received a letter from citibank dated XX/XX/XXXXin response to the letter from citi ... over the years i have requested my credit report and have copies of all the reports received ... 
citi alleges they applied a payment on line of credit on XX/XX/XXXX and that is what they show reflected at XXXX balancethat account shows XXXX balance as of XX/XX/XXXX and was closed at my requestsee the attached credit report ... your letter states you applied payment in XX/XX/XXXXto an account closed as of XX/XX/XXXX with a XXXX balancei have attached various credit reporting statementssee the various dates and the different amounts sometimes you alleged it was written off other times you allege it is a balance due then you allege the difference was written offkravitz was unable to validate their claim when i requested after i returned to vegas and asked them to validate XXXXfyi ... improper service ... filing writ of garnishment 4 1/2 years later without due process addressing mail to generic employers and sending it out to who knows who and noting my entire social security number ... this violates several statutes including nrs 239since this i have numerous mailings addressed to my property of towing companies ... i.e online the names of these towing companies show to be repossessing cars ... and the people whose cars they are repossessing state it is being done illegally ... today dropped off a file to kravitz ... i do n't know what you and kravitz are doing ... if you 're cooking the books to mess up my credit i do n't appreciate
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this items that does not belong to me and i want it to be remove from the 3 credit rpeorting agencies asap. 


1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft SYNCB/AMAZ  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

Good afternoon! I made a money transfer on XX/XX/2022 in the amount of {$47000.00}. The transfer was sent to XXXX to my sister 's account. The transfer was canceled on the side of the correspondent bank of the recipient XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXXXXXX. And they should have already been processed by CITIBANK N.A., but the money has not yet been returned to the account. My attempts to contact the bank by e-mail were unsuccessful, and the bank was in no hurry to help me resolve the situation, he only said that he was not responding to individuals, and asked the sending bank to contact him. But the sending bank, XXXX XXXX, tells me that this is not within its authority. I am inclined to believe that CITIBANK N.A. is deliberately withholding my personal funds for its own benefit. Too much time has passed since the payment was canceled.
Product: Debt collection

After sending the FTC report of identity theft in XXXX and XX/XX/XXXX, RS Clark and Associates are refusing to remove the collection for XXXX XXXX. They then threatened to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of XXXX to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion. They made false allegations that they sent me a letter to my address which they do not have and it was delivered. It most certainly was not certified because I never received such a letter. I sent them my identity theft affidavit. They have been harassing me and have extorted me by adding negative information to my credit report in an attempt to collect an alleged debt that they have not proven to be mine. This is the second time someone has sold my social on the internet and I have experienced identity theft but all three credit bureaus have allowed them to add such negative information. This makes XXXX, XXXX, and XXXX an accessory and conspiracy to racketeering.
Product: Money transfer, virtual currency, or money service

My Venmo account was closed on XX/XX/year>. I was told that I had broken the agreement and I needed to provide the correct documentation to proceed. I provided all of the info and then they told me that I had violated a user agreement. I requested to see what exactly I had violated and they refused to disclose the information. I just want my money out of there so I never have to use Venmo again. I have to wait 180 days to get it back so I am starting documentation now to make sure I receive it at the 180 day mark.
Product: Debt collection

I received a notice from Palisades Collection , L.L.C. today, XXXX XXXX for the first time and the notice is dated XXXX XXXX offering me Tax Season Discount Opportunity to pay account balance of {$8600.00}. According to the notice, XXXX was the original creditor. I have lived at my current address since XXXX and this is the first time I have been contacted about this debt. I also have a freeze on my credit since around XXXX and I have no collection on my credit report. I do not owe any debt that I have not paid. This collection agency failed to first write attempting to collect a debt letter. This collection agency failed to grant this consumer the opportunity to dispute the debt. This collection agency demanded payment whether or not this consumer in fact did owe this debt. I dispute owing the debt in question. Thank you.
Product: Credit card or prepaid card

I made purchase using my American express credit card, when I received my bill I sent a payment of {$5000.00} and the check was cleared, from my XXXX XXXX account, i then sent another check # XXXX for another {$5000.00} on XXXX XXXX 2017, American express, then sent me a notice that my check was returned unpaid, i then contacted the bank, and the bank told me there is no record of any attempt to endorse the check, and the money is available, i then contacted American again and spoke to a manager, she told me it will be resolved, and they will try to endorse the check to get the money, but they never did, then sent me an invoice, including the payment i already made for the {$5000.00} and interest and finance charge for the entire amount, the money is still awaiting for American to take from the bank.
Product: Debt collection

b'YOUR COMPLAINT\nSent default today because of below. Also challeging with credit agency. I also ask the cease and decist contacting me until validation the continue to text me including today This letter serves as formal notice that, despite our previous correspondence dated XXXX  (USPS XXXX XXXX XXXX XXXX XXXX XXXX, you have failed to respond to our request for validation of the debt referenced in our prior communication. As a result, we consider you in default of your obligation to provide verification of the debt as permitted under the Fair Debt Collection Practices Act (FDCPA). Additionally, your silence is acquiescence to my claim you violated below can cause me personal harm:  Violation of the FCRA  Violation of the FDCPA  Defamation of character Our previous letter, dated XXXX  clearly requested that you provide validation of the purported debt within the timeframe prescribed by law. However, to date, we have not received any response or documentation that would confirm the validity of the debt in question. Please be advised that your failure to provide validation of the debt within the legally mandated timeframe constitutes a material breach of your obligations under the FDCPA. As a result, we are now considering further action to protect our rights and interests, which may include, but is not limited to, pursuing legal remedies to enforce our rights under the law'
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I am a returning customer to Carhop UAC XXXX, MN. I leased a XXXX XXXX XXXX from them in XX/XX/XXXX. The car was having electrical problems all the time. I was always getting fuses. In XX/XX/XXXX, I started hearing cranking and dragging noises. After talking to XXXX, ex-mgr of the Carhop, I took my vehicle to a Carhop approved contracted auto repair shop. All of the brakes, brake lines, axle, wheel bearings, control arms, electrical/fuses problems, etc. was wrong with the car. I paid {$600.00} and XXXX paid the rest of the {$1300.00} repair bill. The car continued to breakdown. Once I was left on one of Minnesotas 's  busiest highways, close to the twin cities, during a snowstorm, with children in the car. If it weren't for MNDot, pushing my car off the road, I probably would've caused a terrible accident. The  mechanics contracted through Carhop said that I should've never leased this car. In XX/XX/XXXX, the same noises again. I believe the repairs were only partially done to kill the noises but we're not done completely. I was told by the owner of the repair shop, that after I paid another additional {$1300.00}, that I would be reimbursed by the repair shop or Carhop. After talking to the new manager of  Carhop, XXXX, I was told they would look into it. I have children I need my car. Plus the mechanics agreed with me, that this was duplicate repairs that were not done in XX/XX/XXXX. Carhop and the mechanic shop played the blame game against each other for months while I just waited making my car payments and constantly breaking down. In XX/XX/XXXX, same noises again. This time I realized that the driver side back brake line was sealed off. That brake line was clogged. And the inner brake pad was not there. The mechanics did not put a brake pad on the inner back driver side tire. The same mechanic wanted to charge me again, for duplicate repairs. I was never reimbursed my money from either companies and in XX/XX/XXXX, my vehicle was repossessed for non-payment of my car. From the time I received that car until it was repossessed, I have been spending money to keep that car together. Electrical issues were within the first month and I was told by Carhop 's mechanics that they were just fuses. Well if it was just fuses, XXXX and XXXX knows me pretty well. Now, all I get are rude, arrogant, unprofessional calls from Carhop UAC finance asking for the remaining balance on a car they illegally repossessed and threats of damage to my credit reports. I just received a call today, from XXXX. The district manager of Carhops in Minnesota. She was the worst. I can't wait til the hand that rocks the cradle hits this company, especially after everything that was done to XXXX XXXX.
Product: Credit reporting

I am a victim of identity theft and have filed fraud alerts and Equifax refuses to provide me with a copy of my credit history file. Their website tells me they ca n't process and that I need to contact their automated phone system. That system tells me I need to call them on the customer service number listed on my recent file -- however I have not received any recent file and I do not have that number. I am entitled to my file and they are disregarding my rights. Obviously the have no respect for my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting information from KOHLS Dept Store on a credit account they are reporting to XXXX  XXXX XXXX. I requested an investigation of the account status and how it was being reported. Please confirm the status of your response to the following credit reporting agencies ( XXXX, XXXX, XXXX ) in XX/XX/2019.
Product: Debt collection

This company is attempted to collect a debt that's not owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 you responded to my request for reinvestigation with " They responded and verified that the disputed information was accurate as reported. '' Please supply the METHOD OF VERIFICATION used.
Product: Mortgage

What would be fair is to re-modify the loan and do what is right. Loancare, your are getting your money, plus some. Give back the {$30000.00} ( number not exact ) After the 30 years I will pay {>= $1,000,000} Plus, what I already paid, the first 2 years.

Please fix this, I am asking you from the bottom of my heart. 


Thank you
Product: Credit reporting or other personal consumer reports

Mortage company XXXX. Filed for XXXX XXXX XXXX in XX/XX/XXXX in Delaware. XXXX stopped reporting made payments shortly after. After I realized they stopped reporting I made several attempts to get them to report to the 3 credit bureaus. It is not a federal law preventing them from reporting just an internal memo from XXXX itself. I was made aware from XXXX the only way to get the bankruptcy removed and have XXXX start reporting again was to refinance with a new loan number. I tried that in XXXX and was denied by XXXX for lack of revolving credit. I have had multiple disputes with all 3 credit bureaus to get the balance and made payments correctly adjusted. I have attached year end XXXX, XXXX, and recent monthly statement to back up my claim. I have had no success as it shows closed on credit reports with missing/incorrect information. This has caused irreputable harm to my credit and will never be able to obtain a loan again also scores have dropped very low, XXXX is now a XXXX. I have never had any missed payments in the 4 years since filing for bankruptcy. Please force them to report accurate information showing updated balance and made payments on time. XXXX has confirmed the bankruptcy will always be attached to my loan number. They will never report again even after bankruptcy is complete. And according to them I will never be able to re finance because of no credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry XXXX Inquiry date XX/XX/2023. Unauthorized ( XXXX XXXX XXXX XXXX XXXX ) The FCRA states all information listed on credit reports should be accurate,
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX, IA XXXX XXXX : Opting Out of Credit Reporting and Violations of the Fair Credit Reporting Act and the Privacy Act of 1974** **Account : XXXX XXXX** To whom it may concern, I am writing to formally opt out of any credit reporting on my consumer credit reports and to address violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974 ( 5 USC 552a ).

As a federally protected consumer, I assert my right to privacy as outlined in the FCRA, 15 USC 1681a, and invoke my right to opt out of any reporting on my credit reports. Reporting my transaction history without my explicit consent is illegal and violates my rights under the FCRA.

According to 15 USC 1681b, I have never given written authorization to report personal information on my credit reports. Furthermore, P.L. 90-321 ( 82 Stat. 146 ) specifies that any agency can only access my report in response to a request by the head of a state or local child support enforcement agency.

In addition, 15 USC 1681c states that no consumer reporting agency may make any consumer report containing adverse items of information other than records of convictions of crimes older than seven years. Any derogatory mark on my report is a violation of this section.

According to 15 USC 1681n, civil liability for willful noncompliance allows for damages of not less than {$100.00} and not more than {$1000.00} per violation. I can prove willful violations and am entitled to compensation.

The Privacy Act of 1974 ( 5 USC 552a ), subsection ( b ), states that no agency shall disclose any record without prior written consent. I have never authorized such disclosures.

Per 12 CFR 1016.1 ( Regulation P ), I have the right to opt out of disclosures to nonaffiliated third parties. Companies must provide a privacy notice and comply with opt-out requests promptly, as per 12 CFR 1016.4 and 1016.7. I have not been given the opportunity to opt out of any reporting. Additionally, 15 USC 6802 requires opt-out notices for any information added to my consumer reports. 
Given these violations, I request the removal and deletion of the XXXX XXXX account reporting on my credit reports. This is an opt-out notice and removal request, not a validation or verification of debt. 
Thank you for your prompt attention to this matter.