23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, XXXX, I received a notification from a credit monitoring app that a new collections account was listed on my credit report with the name, " XXXX XXXX XXXX XXXX collecting the amount of {$19000.00}. This is the only reason I have any awareness the collection agency, as they have made absolutely no attempts to contact me directly. I have been working with XXXX XXXX XXXX XXXX to help me negotiate debt settlements since XX/XX/XXXX and I immediately notified them of this new account. They contacted your XXXX XXXX XXXX to try to settle this collections account several times. 

On XX/XX/XXXX XXXX failed to deliver a certified letter, that I can only assume was sent from XXXX XXXX XXXX, because I was traveling to support family members with XXXX XXXX. 

On XX/XX/XXXX, I received a letter from the Superior Court of Arizona regarding case XXXX. The plaintiff ( XXXX XXXX XXXX XXXX  entered a Ex Parte Motion on XX/XX/XXXX to Allow Service Under Ariz. R. Civ . P. 4.1 ( k ). The motion stated Defendants are evading service of process but the plaintiff provided no evidence to support the allegation. The court denied the motion as the fact the Defendant ( me ) lives in a secure building does not constitute evading service. 

Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX has worked on my behalf to make several offers to settle this debt, with no response from XXXX XXXX XXXX. This collections company has failed to contact me directly about this matter since acquiring the debt, and it has become clear to me that they would prefer to abuse the Arizona courts system, using it to intimidate and harass me and waste taxpayer resources. 

I am trying to arrange funds and have good intentions of paying off as much of my debts as possible. I have emailed them directly, including the attached letter regarding my recent financial hardship for their consideration, assuming it acts as valid proof that I have attempted to settle said debts. XXXX XXXX XXXX  has made no attempt to contact me directly or respond to my numerous attempts to settle this debt without the Arizona Courts. I am submitting this complaint because XXXXXXXX XXXX XXXX is abusing the Arizona Courts to harass and intimidate me. 

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

cra violation sent po report and ftc violation of my right inaccurate information
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
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, credit repair services, or other personal consumer reports

Source : XXXX XXXX : ONEMAIN Address : app. XXXX XXXX, XXXX, IN XXXX Phone : XXXX This company came up as an Hard Inquiry on my credit report on XX/XX/22 on XXXX XXXX  XXXX XXXX I didnt apply for any credit. I have fraud protection so I dont understand how someone could us my name to open up new creator. Usually the company calls me before proceeding.Can you please help me with this matter.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Vehicle loan or lease

I applied for a loan at XXXX XXXX on XX/XX/XXXX for the purchase of a new XXXX XXXX XXXX. The advertised rate on the loan was 4.9 % for 84 months. 

When I received the approval back from Chrysler Capital, they only would allow the 4.9 % rate for 72 months. I reached out to several representatives from the company and they gave me the excuse that they are only an " indirect lender '' and that all decisions are made by the dealer. 

It is important to note that I was also shopping for a XXXX XXXX, and XXXX XXXX XXXX approved me for 4.9 % for 84 months. I explained this to Chrysler Capital when they tried to tell me that the approvals are based on several factors including " creditworthiness ''. It is important to note that I did report Chrysler Capital on a previous occasion for similar deceptive practices. I filed report # XXXX on XX/XX/XXXX with the CFPB. 

It is also important to note that because of their refusal to provide financing at the advertised rate, I needed to secure financing through my local credit union. As a result, the price I was required to pay for the vehicle was {$2000.00} higher because of missed rebates.
Product: Mortgage

Dear cfpb, COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Trouble during payment process Unfortunately the respond coming from my Mortgage Company ( Dovenmuehle ) about my dispute is not correct, because I don't have an Issue ( Trouble during payment process ), and because they didn't addressed my issue about the Appraiser report mistakes, they just back and forth many times about I'm not qualify to remove the PMI now, which is I know that, but they still didn't want to go to the main issue ( the Appraiser Report ). So, please, if you could let them know about my concern. 

With my all Appreciation. 

Thanks. 

XXXX XXXX XXXX
Product: Checking or savings account

US BANK allowed a debit transaction to process when there wasn't sufficient funds in the account to satisfy debit amount, without my permission. The consequence being my account being overdrawn. To which US BANK promptly added a overdraft charge of {$36.00}, a maintence fee of {$14.00}, and {$.00} service tax. When I contacted customer service, demanding a reversal of charges because I did not authorize said transaction. But also, US BANK should protect their clients accounts from such transactions is their are insufficient the in the account. Instead, US BANK designs their mobile app to have a default setting ALLOWING transactions to complete WITHOUT SUFFICIENT FUNDS. The support rep explained that I could change this overdraft setting, if I preferred. But nowhere, on their app or website, does the bank inform their customers that there is a setting for overdraft permissions and that it's default setting is in " allowed overdrafts '' mode. 

. This obvious fraud, as in the bank 's monetary gain from overdraft charges in the amount of {$36.00} per overdraft, needs to be addressed immediately. THIS IS OBVIOUSLY INTENTIONAL in order to financially gain from overdraft fees and FRAUD.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX have both sent me to collection agencies after I explained to them both I do not have the cards and are not using them. They need to do an investigation and look into my accounts that they have been taken without my knowledge. 

XXXX XXXX XXXX has reported to my credit, I willingly gave back my car after only 7 months of ownership and it stopped working and the warranty was not lived up to on there side. I could not afford to pay XXXX to fix a car thaty warranty covered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX and XXXX XXXX have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to block my dispute of the account listed on my report as XXXX XXXX XXXX account numnber XXXX. The account is a collection account that is showing as having been included in bankruptcy in XXXX. This is incorrect and Experian will not let me fix the problem or claim that they have " verified '' the information as correct. They send notices that : " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute ... '' If Experian really did verify the information as being correct, then they would know that this account was not included in bankruptcy as it is listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account Name : XXXX  Date of inquiry : XX/XX/year> Account Name : XXXX  Date of inquiry : XX/XX/year> Account Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/year>
Product: Prepaid card

I called in to customer service to report XXXX fraudulent transaction on the exact same day. I was told by the representative to wait until the transaction post because the merchant place a hold on the funds. After waiting the 2 days I called in to report that I had been charged for XXXX transaction that I did n't authorize and was told to complete a dispute regarding both transaction in question. I completed the dispute and followed up many times to check the status of the claim. I was told several times that that merchant has not responded and it may take up to 45 days. However I asked the representative why every time I call in the fraud department they would transfer me to customer service and she stated because they filed the claim and not the fraud department. After the dispute was over I received an email that the merchant provided information to support that the transaction was valid and I would not receive my funds. I was told by the representative that the agent that took the claim filed it as a billing error and not a fraud claim. The representative stated that she would email the dispute team to have them to re-open the claim. I called back to follow up and was told that they had decline to open the claim and I would not receive a refund.
Product: Credit reporting or other personal consumer reports

I am deeply concerned that Experian claims the information on my credit report was 'certified ' as accurate by the original creditor. I have valid reasons to believe that no thorough investigation or communication occurred, as the information remains incorrect. This lack of proper verification is unacceptable and has negatively impacted my credit. I respectfully request documented proof that the creditor was contacted and ask for the immediate correction or removal of this inaccurate information. '' Report number : XXXX Date Generated : XX/XX/year>XXXX XXXX
Product: Student loan

Despite the student loan moratorium AND having asked for a forebearance to stop the harassing calls, I was still making payments as I was able. In spite of all that, in XXXX my servicing agent Navient reported my loans as 90 days late. Ive asked them to remove it, they refuse. How can they report a loan as ( not 30, not 60, but 90 days ) late during a loan moratorium. Its destroying my credit and preventing me from being able to secure a new lease on my apartment.
Product: Credit card or prepaid card

Around 5 years ago I have a lot of Fraud charges And a few different credit cards From XXXX and from XXXX I tried to dispute it then with the credit card companies But the charges were still in my account And I don't know why But I pay off all the charges except of the fraud charges And now I'm seeing that it's ruined my credit report But they told me then that I don't need to pay it if it's fraud
Product: Mortgage

I have made three attempts since XX/XX/2021 to have the flood insurance requirement reexamined. FEMA issued a XXXX on that date that would allow us to significantly reduced, even eleminate our {$1700.00} flood insurance premium. Each attempt I was told that it would take 3-5 business days to review and then I would be notified of the findings. The last attempt was on XX/XX/2021. I have still not received any communication. Without the lender 's permission, my insurance agent is not able to make adjustments to the policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2 : it also states a consumer reporting agency can not furnish an 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 the records of convictions of crimes 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a hotel reservation on Chase banks travel website, ( Chase Travel ) for the XXXX hotel in XXXX XXXX for 7 nights. On XX/XX/XXXX, I realized that I did not need 7 nights ( due to the time change when traveling to XXXX ) and contacted Chase to modify the reservation to 6 nights. After 90 minutes on the phone, the representative, contacted the property and assured me that the hotel would refund me upon my arrival. Upon my arrival this past week, the front desk staff at the XXXX seemed perplexed at my request for the difference in cash or back to my card. Today, XX/XX/XXXX, I reached back out to Chase travel. I spoke with XXXX, who claimed she was not required by chase to give an employee number or a city location. XXXX also claimed that Chase policy does not require her to give anymore information then just " XXXX from Chase ''. XXXX informed me that she did show a note on the account regarding the conversation I had with chase on XX/XX/XXXX, and confirmed the information I stated above. XXXX offered no resolution other than " we need to look into it ''. 

Chase has record of my conversation, record of the promise made by a Chase employee confirming I would receive a credit for the one less night stayed. They have failed to compensate me after spending more than 3 hours on the phone with them.
Product: Mortgage

I filed chapter XXXX in XXXX then had to re file in XXXX. In XXXX the amount owed on loan was $ XXXX. At the end of the bankruptcy in XXXX, after completing almost $ XXXX was paid in principle. ( see attachments from bankruptcy court ) I have continued making my payments for 8 years. This mortgage has been sold many times and has had several servicers. Apparently somewhere in XXXX or after a mistake was made. On a letter that was just sent to me it states XXXX as XXXX of my Mortgage owners. This is wrong. The only time I had XXXX was an equity loan and that was ruled by court at unsecured. At completion of the bankruptcy, which I did complete that made everything final. My Servicer for XXXX is now XXXX which have not helped me XXXX bit. A deep look into the records starting in XXXX needs to be performed and the issues corrected.
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. 


FRAUDULENT ACCOUNTS : Account Name 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 UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Mortgage

I did the forbearance as of XX/XX/2020 in XXXX they contacted me to apply for hardship I still was not working because of Covid 19 2 months later they request statements taxes check stubs and a month ago they said no to everything balloon payment over XXXX to pay or second option foreclosure! They said I needed more income after denying me the hardship they could not do anything for me since XXXX my income has gone up but they didnt ask me to submit any other documents!! All I want is help from them something realistic not paying over XXXX in 20 days
Product: Vehicle loan or lease

This account has been paid in full and is showing a late payment in XX/XX/2019 and XX/XX/2019. I'm in the process of trying to buy a home and the late payment reporting is affecting my chances of becoming a homeowner. Please consider as a Goodwill courtesy and that all other payments were made on time please consider to update as a Goodwill courtesy. Thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

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: Mortgage

This complaint is regarding Private Mortgage Insurance ( PMI ). not an option of the radio boxes. 

In XX/XX/XXXX I sent a letter to Lakeview Loan Servicing requesting that PMI be stopped at 80 % Loan to value. My loan achieved 80 % XXXX  in XXXX. They responded with a letter stating that I needed an appraisal and a 75 % XXXX. I had checked the CFPB website as well as speaking with the mortgage company that sold us the loan. My understanding is that PMI should be stopped at 80 % XXXX  and must be stopped at 78 % XXXX. Apparently Lakeview Loan Servicing is not aware of this regulation. Our home was assessed at the time of refinance and valued at {$360000.00}. Loan is up to date. 

On XX/XX/2019 at XXXX XXXX I spoke with an agent of Lakeview Loan. He told me that my loan a conventional mortgage has the PMI come off at 75 %. ( Lakeview Loan claims to record phone conversations ; it may be possible to request a transcript ) I spoke with XXXX. 

Current state of our loan is : ( as of XX/XX/2019) Current Principal Balance {$280000.00} Current Interest Rate 2.87500 % Payment Amount {$3500.00} Property Value {$360000.00} Please see CFBP pdf document : XXXX XXXX XXXX page XXXX, in at least one examination, CFPB examiners noted that a servicer incorrectly applied an investors 75 % PMI cancellation XXXX threshold to the original value of the property, instead of the 80 % XXXX threshold required by the HPA