23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Im writing to request assistance to remove my mortgage insurance premium of my FHA loan. This loan was open in XXXX, XXXX based on these requirements : Maintain the loan for a minimum of five years.

Avoid late payments When the loan-to-value ( LTV ) reaches 78 % of the original value I have met 2 of the requirements expect LTV. This house was appraised for XXXX, XX/XX/XXXX, the current valuation on XXXX site is at XXXX and my loan balance is XXXX. Comparable houses in the neighborhood now sells for low to mid XXXX. 

I recently sent a message to Wells Fargo to provide guidance and they replied stating it is against the HUD guidelines to use new valuations to cancel MIP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXX XXXXXXXX never late XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX   XXXX {$1200.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The company Experian is reporting fraudulent information concerning an account that entered collections due to an early payment charge from from the creditors system in XXXXXXXX XXXX XXXX which in turned locked my ability to pay the debt prior to it turning to collections, I did send a cashiers check to the adress I was provided by customer service prior to the official date it was reported offical. Unfortunately when asked to investigate i was unable to fix the reporting errors.
Product: Credit reporting or other personal consumer reports

Even though Ive tried countless times to get the fraudulent, inaccurate, and misleading info removed from my consumer report, the issue still isnt fixed. These items have seriously turned my life XXXX down, bringing a whole lot of stress and anxiety. I really need to stress again that I didnt authorize or agree to have this info linked to my name, as Ive been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I have tried to have the items blocked from my reports. Each bureau is reporting different accounts which is also against the FCRA. There are several account on my report that do not belong. I have also submitted an Identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}. 

According to FCRA XXXX XXXX ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy on my current report is not accurate please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I went onto my XXXX on my account and I am see a lot of inaccurate information on my report that needs to be removed due to the fact that it is hurting my score. 

XX/XX/2021 Flagged for 119 days past due XX/XX/2021 Flagged for collections XX/XX/2021 Flagged for not more than 2 payments past due
Product: Credit reporting or other personal consumer reports

Urgent Alert : Immediate Action Required!

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), it is explicitly stated that " There is a need to ensure that consumer reporting agencies uphold their profound responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX, as consumer reporting agencies, are bound by this mandate, and as a consumer, I am entitled to enforce my right to protect my private information. 

Moreover, 15 USC 6801 underscores that Congress has established a policy where each financial institution must uphold a continuous and affirmative obligation to safeguard the privacy and confidentiality of customers nonpublic personal information. This obligation extends to any entity providing information to credit agencies, which are classified as financial institutions under this regulation.

15 USC 1681, Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies are only permitted to furnish consumer reports under specific conditions, primarily adhering to the written instructions of the consumer. Neither XXXX nor XXXX has my consentneither verbal, written, nor impliedto disclose my information. All forms of consent to these agencies are hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires that financial institutions disclose nonpublic personal information to nonaffiliated third parties only after providing the consumer with a clear explanation of how to exercise their nondisclosure option. Neither XXXX nor XXXX has provided such information, thereby failing to comply with this regulation. 

Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years. The continued reporting of this outdated information without my authorization constitutes a direct violation of this law.

15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that no person should furnish inaccurate information to any consumer reporting agency if they are aware or reasonably should know of its inaccuracy. XXXX and XXXX are in clear violation of this requirement. 

15 U.S. Code 1681e demands that consumer reporting agencies implement reasonable procedures to prevent violations of Section 1681c and limit the furnishing of reports to legitimate purposes. It is evident that XXXX and XXXX are failing to uphold these standards. 

Finally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. I am exercising this right immediately.

This is a serious breach of legal obligations and my personal privacy. Immediate rectification and cessation of these practices are required.
Product: Debt collection

If you will notice this is the exact amount charged off by stage commenity I was under the impression it was gone n this is why I didnt recognize it. It didnt show and then it did again. I realized this yesterday when they called me up harrassing me and demanding me to stay in the line even after I made it clear I was entering my job my job is stressful enough without smart ellic men talking down to me This debt is OLD AND CHARGED OFF WHY THIS COMPANY IS HARRASSING ME NOW IS CROSSING THE LINE IN MY OPPINION IT SHOWED DOUBLE ON MY REPORT FOR AT LEAST a year or 2 for that alone it should be removed!
Product: Payday loan, title loan, or personal loan

Direct Recovery Services is placed on my credit report illegally. I have no knowledge or contract signed with the company. My privacy and consumer rights have been violated by a company that I have not agreed to conduct business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield is reporting a debt on my credit file that I do not owe. I recently took a look at my credit report and noticed this debt reporting on there. This debt is very old and past the statue of limitation in the state of California. This debt could also never be validated to me. I ask that you please remove this debt as per the FCRA and the FDCPA reporting invalidated debt could constitute fraud under both federal and state laws. I do not owe this debt and I ask they remove it from my credit file.
Product: Checking or savings account

I deposited a check on XX/XX/2024 immediately after depositing the check into my savings account Truist emailed me and let me know it would be a hold the funds will be released on XX/XX/2024 fast forward to XX/XX/2024 Im XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  baby and I try to get gas and my dad declines Truist had canceled my card and locked my account without even letting me know. I sold a car to a neighbor they wrote me a check I deposited funds the check had been debited from the issuer bank account Truist froze both of my accounts and is holding my money I had in the account before the check. If the check was fraudulent how come the check hasnt returned?? Because its not fraudulent the check issuer said the funds have left their account and Truist has the funds Truist has had so many bad reviews with customers having this same issue Truist is ruining lives literally. I want my account unlocked so I can withdraw my balance
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report a late payment on XXXX that is not accurate. Neither consumer agency has sent me any documents that proves I was indeed late with these payments. I have repeated asked for what method they used to verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. Company also has no permission to report anything using my info pursuant to 15 USC 1681 4.
Product: Checking or savings account

I am XXXX and I applied for Washington state unemployment and I also applied for the SBA PPP program Corona relief program Earlier this year. After I waited such a long time 3 months or so, finally my Washington State unemployment was accepted and they paid me back all the back pay and the money was directly deposited from Washington state unemployment into my chime bank account sometime in XXXX and it was around {$14000.00} or so. And SBA PPP program also finally was approved and sent a direct deposit of {$10000.00} into my chime bank account sometime early part of XXXX. I also have been receiving weekly unemployment since XXXX by direct deposit and the money has been been depositing into my chime bank account which is now put on hold or Frozen. My chime bank account has been put on hold or suspended because they said that I needed to verify and confirm. I sent all documentation That verified and confirmed where the funds came from and also I have sent them the proper documentations to verify and confirm who I am when it comes to my ID my address etc that they needed and still they have not allowed me to access to my funds. I want to get my funds and close account As soon as possible. All the money that has been deposited in my account came directly from the SBA PPP program and also it came directly from the Washington state unemployment They can verify with the Washington State unemployment and also they can verify with the SBA PPP program. like I said, the money was directly deposited from those agencies into my account. I have sent them the documentation from Washington state unemployment and also I have sent them documentation from the SBA PPP program and still they have denied me access to my funds. I kept those funds in there since XXXX of this year and never took it out because it is the only way for me to make sure that the money is safe and I can't believe it they are trying to steal my money. please help me so this way I can survive during this pandemic. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL XXXX " CRA '' FAIL TO SEND UPDATE REPORT UPON WRITEN REQUEST SENT OVER 45 DAYS AND STILL HAVE NOT RECEIVED REPORTS AND RAPID RE-SCORE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My name is XXXX I'm a victim of fraud. I'm a member of XXXX. Unfortunately I was a victim of pace funding they scammed out {$79000.00} from Hero and {$79000.00} from XXXX, a total of {$150000.00}. By taking out various loans under my name they scammed me, non of the promised work was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with Financial Recoveries. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and Financial Recoveries with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I am writing to dispute information on my credit report that was reported without my written consent, in violation of 15 USC 1681. According to the Fair Credit Reporting Act ( FCRA ), creditors and credit bureaus must obtain written consent before furnishing or obtaining consumer information. 

Upon reviewing my credit report from XXXX, I discovered Bank of America, listed as BK OF AMER, date opened : XX/XX/2018, Status : Payment after charge off/collection were reported without my written consent. I hereby request that this information be investigated and, if found to be reported without proper consent, be promptly removed from my credit report. 

I urge you to conduct a thorough investigation
Product: Mortgage

Step 1 : What is this complaint about? 
I knew I was getting a new roof replacing the old one and being a realtor, I knew that the market value would increase to over 20 % equity to get rid of PMI. 

Step 2 : What type of problem are you having? 
Before the roof was replaced, I called my mortgage carrier, Loancare and asked " What do I do when I get the roof replaced, just send you a copy of the new appraisal? '' They said yes. So when I got the roof replaced, I contacted Loancare, they said that it had to be a Loancare appraisal. I told them that NO ONE ever told me that. So then they directed me to their site to submit the appraisal to have it accepted. No one ever contacted me Step 3 : What happened? 
I then called Loancare again and asked why the PMI wasn't removed. They told me I was late on a payment. I NEVER was. In fact, I am AHEAD of payments. I explained that when I closed on my house XX/XX/XXXX, I made a payment in XXXX of XXXX even though the 1st payment wasn't due until XXXX because I wanted to be ahead of the game. In fact, I consistently pay about 2 weeks in advance. For example, mid XXXX, I pay for XXXX. I also submitted a zip drive that shows every single payment ever made with dates AND because they offered my forbearance, I took it. I used it in the spring of XXXX. Last week, I just paid the balance due from forbearance which was about {$1200.00} because I was paying {$800.00} for 3 months vs {$1200.00} for 3 months just to bring my account up to date. Then I paid XX/XX/XXXX in XX/XX/XXXX just to make them happy. In mid XX/XX/XXXX, I had already paid XX/XX/XXXX XXXX attached a zip file of all of my payments since closing on XX/XX/XXXX, a current mortgage statement that does NOT show recent payments of forbearance payoff and XXXX payment, the appraisal and a copy of a letter I emailed Loancare Step 4 : What company is this complaint about? 
They will not drop PMI and say I was late on payments. I never was, I was ahead Step 5 : Who are the people involved? 
Over 6 supervisors who conveniently dropped my call EVERY SINGLE TIME I CALLED THEM while they put me on hold to research this complaint. They NEVER called me back even when they verified my phone number in the beginning of each call.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information accounts Consist of at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, XXXXXXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I bought a house in 2004 for investment purposes only and sold it to the tenants in 2005. In 2023 I was contacted by a collection agency regarding a XXXX XXXX bill for charges from 2016-2018. I told the collection agency. I never opened a XXXX XXXX account so I am not liable. I never heard back from the collection agency. Now XXXX XXXX is suing me in civil court. If an account was opened in my name then it is XXXX XXXX. I filed an XXXX XXXX report with the police and now I want to file a complaint regarding XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX/dept of Ed account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # 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 an account without my written instructions