23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have contacted Wells Fargo regarding the cancellation of PMI stating that my loan is under 78 % LTV and the automatic cancellation of PMI should apply. They have sent multiple letters back stating an appraisal would be required because they need to assure that the value has not gone down. However the Homeowner Protection act does not allow for this. They are also using the wrong calculation for calculation and state that I am at 79.8 LTV because they are using the purchase price of XXXX to calculate rather than the original appraisal of XXXX. My loan amount currently is XXXX which is below 78 % of the original value.
Product: Student loan

I have called repeatedly the collection agency that my account is with and I havent received a response from them for the last 2 months! Dep of education is garnishing my paycheck during the month of XXXX, XXXX and as of today. Under the cares act this was not supposed to take place. As a result of this I am 3 months behind in rent and have not been able to live. Effective XX/XX/XXXX, dept of education is not supposed to be garnishing checks but they are still illegally ignoring the cares act and taking my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX XXXX XXXX as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

***My complaint does not deal with me having a loan at CashCall , it has to do with the unethical practices at CashCall Mortgage , Impac Morgage and its past employees*** My last complaint the company responded with a deflection tactic, pointing out that my screen name was not in their database as a customer. Please investigate the matter below. Impac never actually investigated anything, if you review their response it is clear they just deflected from the issues below and DID NOT address any of the practices aforementioned ie loan churning. 

Please be advised that a large number of employees at CashCall Mortgage, under Impac Mortgage Corp NMLS id # XXXX have held a long secret, which is churning mortgage refinance applications over and over. I have seen this occur since before XXXX  and I do not feel it is fair to the American public or to GSE 's like XXXX XXXX and XXXX XXXX and it is time that CashCall and key violator loan officers at CashCall be held accountable. The managers would look the other way when they knew loan officers were " retreading '' mortgage refinance applications. XXXX loan officers like XXXX XXXX XXXX nmls id # XXXX would use his cellular phone so that no call could be recorded showing he solicited the client in order to avoid issues with XXXX XXXX and XXXX XXXX. He also hired his wife to call out and solicit and churn loans over and over every 6 months some loans every 3 months. The matter was brought to the attention of VP at the time, XXXX XXXX and he sweeped thee issued underthe rug due to XXXX XXXXXXXX XXXX seniority at the company. Later, XXXX took 1003 applications with client 's confidential information and solicited clietns that XXXX refinanced while he worked at XXXX XXXX, then at XXXX XXXX and now where he is working at XXXX XXXX XXXX XXXX XXXX. There were other violators of the comapny 12 month retread policy ( to keep things smooth with XXXX XXXX XXXX but many of the managers looked the other way when guys like XXXX or XXXX XXXX XXXX XXXX XXXX churned loans to fatten their pockets while costing XXXX XXXX and XXXX XXXX XXXX XXXX but by far the biggest offender and most unethical, cunning mortgage loan officer of all time that anyone will encounter is XXXX XXXX XXXX I assure the CFPB if you investigate this mortgage officer 's history, obtain a warrant to search his home or computers you will find that he has confidential borrower information including social security numbers, date of birth, addresses and names illegally obtained from every company he has worked at.
Product: Credit card or prepaid card

Citibank decided to close my Mastercard account and freeze my card. This renders our cardholder agreement null and void. However, CitiBank has increased the monthly payment on this account citing the cardholder agreement, and then changed the cardholder agreement after they closed my account. Citi chose to close this account without my knowledge or permission, and without " contacting the cardholder and attempting to resolve the dispute '', and therefore the cardholder agreement is no longer effective. In addition, I do not agree to any changes to the " cardholder agreement '' after my account has been closed. Citi Bank needs to lower my monthly payments back to what they were when they closed the account and froze the card, and to the original cardholder agreement.
Product: Mortgage

My loan was paid off on XX/XX/2019. Nevertheless, Stearns continues to automatically withdraw the monthly payment from my account. The payment history on their website shows that they are refunding the payments to me but I have not received ANY money back. They just keep my money and their platform offers no option for me to stop the payments. This company 's payment system is in gross need of an audit - it constantly charges and handles payments incorrectly and their customer service team is not equipped to handle all of the tech errors.
Product: Credit card

I made a booking through capital one travel to stay at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX The booking was made at XXXX, as I was driving from Indiana to Texas and needed a place to rest for the night. I was not planning on getting to the hotel before XXXX, but figured I'll make a booking in advance. 
At no point during the reservation process - including the " policies '' that are detailed in the booking page - was I told I had to get to the hotel before XXXX  ( otherwise, for obvious reasons, I wouldn't have made the booking ). 

When I got to the hotel, I was told I was marked as a " no show '' and they can not give me my room, but I can book a new one ( and pay for it as a new reservation ). 

I was trying to get capital one to resolve it, or refund me. 
They said it is my problem that I did not call the hotel to tell them I am arriving after XXXX, and that in the email they sent me after I booked ( a non-refundable booking ) it stated I had to be there before XXXX. 
Not only did I not open the email until I got to the hotel ( why would I? The web page said my booking was confirmed ) - but even if I had opened it - I was still not going to make it before XXXX, and couldn't cancel the reservation as it is non-refundable. 

The hotel refused to accommodate me, Capital one say they won't refund me. 
I think it is wrong on their behalf to not state at the time of booking ( before I confirm & pay ) that I must be at the hotel before XXXX, or call the hotel if I don't. 

When I called capital one they said I deserve nothing. 

This seems like bad faith behavior.
Product: Credit reporting or other personal consumer reports

Ive noticed that XXXX  deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete XXXX information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account XXXX : XXXX Delete this account. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Mortgage

I have twice completed paper work for COVID relief assistance, wherein Wells Fargo had allowed me to miss payments as we struggled due to loss of income due to the pandemic. When we were able to resume payments, I completed paperwork for FHA second mortgage for the amount of the missed payments, only to find out over a month later when I called that XXXX did receive my paperwork, but I missed a mailing deadline. I then completed the paperwork again, for XXXX to add to my existing mortgage, and mailed in the paperwork. I called the company and they confirmed that they received the paperwork XX/XX/XXXX and no additional paperwork was needed. Inthen checked the XXXX site weekly to see when my payment status would be updated. In XXXX ( 3months later ) I received a letter from wells fargo stating I'd been removed from the relief program and my loan may be sold. Remember, they previously confirmed receipt in XXXX. They also sent a check for funds I had paid because it wasn't a complete payment. 

It's ridiculous that I have completed the required paperwork twice, confirmed with them that they recieved said paperwork, and now my credit is being ruined and I may lose my home.
Product: Mortgage

made an extra payment of XXXX on XX/XX/2021 XXXX was applied to interest XXXX was applied to escrow the house was sold and paid in full on XX/XX/2021 On XX/XX/2021 I called Community and was told the XXXX is payment of interest for XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, NMAC has received and responded to 8 electronic credit disputes in which XXXX XXXX is claiming fraud. The investigation has gone to almost 2 years without being completed. The account was accepted as fraudulent, the original creditor was notified and agree, but had not received any updates to XXXX XXXX consumer report. This account had been a major impact to my everyday life and causing a lot of issues. I suggest all XXXX credit report agencies complete their investigations and give me my life back. 
Also, ID theft was also filed with the FTC back in XXXX but they seem to ignored it.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXXXXXX XXXX Balanced {$290.00} XXXX XXXX XXXX Balanced {$390.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$140.00} XXXX XXXXXXXX XXXX Balanced {$460.00} XXXX XXXX XXXX Balanced {$1500.00} XXXX XXXX XXXX Balanced : {$8700.00} XXXX XXXX XXXX Balanced {$1500.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

This is my second complaint about my closed Discover card in the past XXXX months. 
Complaint # 1 - I received a 'new ' card from Discover XX/XX/XXXX on an account that I closed in XX/XX/XXXX. When I called, they told me the account had never been closed *not true*, but they would now close it. I was unhappy with the fact that the credit card had remained open XXXX years after I closed it & that my credit was run without my permission and a new card sent out to me. 
Complaint # 2 - I received a letter today dated XX/XX/XXXX that stated that although Discover had 'recently sent an offer to me for a credit line increase if I completed qualified activity by by XX/XX/XXXX, my account did not fully meet the conditions of the offer '. Once again, my credit should have never been looked into in any respect by Discover again without my permission. Especially since I had within the span of a little over a month 's time I 'd had the account re-closed, and they were to put me on the do not mail list. I am not a customer of Discover and they should have no access to running my credit and they are to have NO communication with me at all, per my request and what from what I understand the law to be.
Product: Checking or savings account

On XXXX XXXX of 2023, scammers got my card and bank login information. They spent over {$2000.00} on my cards, sending money through XXXX, the XXXX XXXX the XXXX XXXX, and my Fifth Third Bank account itself. I have included screenshots of the transactions in this claim. I filed a dispute with Fifth Third Bank and received provisional credits on XX/XX/year> totaling in {$2100.00}. During this time, Fifth Third sent me a letter asking for my confirmation and signature that the charges were fraud. I signed and sent the confirmation back. But then I never heard from the dispute department again. On XX/XX/year>, they reversed the credit and took back {$2000.00}. I felt so upset and defeated over this. I again never heard back when I disputed their finding. ( Then fraud happened on my Fifth Third credit card again recently and that dispute has also been mishandled by Fifth Third. So now I'm reporting every instance in which they've taken advantage of me. )
Product: Debt collection

On XX/XX/year>, I requested debt validation from LVNV Funding ( see attached fax confirmation ), but never received anything back. It has now been 30 days, and I am requesting that this account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to what is 15 usc 1681 b ( 2 ) this company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ). 
Remove these accounts : No Account Name XXXX No Account Name XXXX No Account Name XXXX
Product: Credit reporting or other personal consumer reports

Experian Credit Reporting Agency. 
Refuses to Remove a Name that is illegal on my Report. Ive called many times. Because with Personal Information you must call Experian to Report Personal or Change Personal Information They stated on XX/XX/XXXX XXXX. Again. That The name listed as XXXX XXXX is part of my History with Them. I Changed my name 15 years ago. How is that History. I have no Credit. With the Name XXXX. The name has appeared recently and Ive filed a FTC Report on Identity Theft they absolutely refuse to Remove it. I filed with this Company over a year ago. And they removed it now its back on my Consumer Report. This is a Violation under the FCRA. As this point they should pay me XXXX a month for Contributing to Fraud by not Removing an illegal name.
Product: Debt collection

XXXX XXXX added a collection to my Experian and XXXX report. This is not my debt and I filed a fraud report. I would like Experian and XXXX delete and block this collection company from my credit report.
Product: Checking or savings account

I opened an HSBC Premier account in XX/XX/XXXX. 
HSBC agent called me and told me this morning ( XX/XX/XXXX ) that I'm not qualified for HSBC {$600.00} Bonus because I had a savings account in XXXX. HSBC policy for the {$600.00} is : Customers who held an HSBC consumer deposit or investment account from XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. In my opinion, a savings account is not considered to be a deposit account, but a checking account is a deposit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has been improperly reporting my over due amonut, the past due dates and that I owe after being charged off. this company has been sued countless of times for this exact reason. case in point of the most recent case 1:21-cv-23749, Brown v. Consumer Portfolio Services, Inc. that I will attach my case on to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2023 AMOUNT : {$6200.00} 15.U.C.168I THIS FRAUD ACCOUNT SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX  NOT AUTHORIZE TO PUT THIS FRAUD ACCOUNT IN TO MY CREDIT REPORT WITHOUT MY KNOWLEDGE. 

DELETE THIS INACCURATE COLLECTION ACCOUNT FROM MY CREDIT REPORT BY LAW.
Product: Credit card or prepaid card

I am being forced into accepting a service subscription I do not agree or consent to. 
I always have a subscription to XXXX services paid annually in an amount less than XXXX XXXXXXXX for the past 5 years. But this year XXXX went behind my back to my credit card company Capital One Mastercard and charged on it {$130.00}. 
When I asked Capital One they said they paid that amount because I have a subscription with XXXX, therefore thy honored it. I sent proofs to Capital One about my subscription at a standard level protection with 5 licences covering up to 5 devices. 
The one they approved this year has 10 licenses which I never had. However, Capital One denied my fraud case as well as my dispute claim.