23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove XXXX XXXX XXXX Balance : {$7200.00} XXXX  XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,
Product: Debt collection

This complaint is regarding account # XXXX. I notified Bank of America and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I am a victim of Identity Theft and have been a part of the XXXX Breach Settlement. My information has been compromised and I indicated this to Bank of America. Bank of America agreed that once the account was settled that the account would be deleted from my credit files. I have no knowledge of opening up this account. I have traveled in and out of the country and my personal information was exposed. I still see the accounts on my credit reports and ask that these accounts be removed entirely.
Product: Debt collection

rcvd a collection notice which I will download. XX/XX/XXXX. This involved Auto Insurance and my personal Health Insurance. On XX/XX/XXXX I received an invoice from the same provider, stating that I had a balance of {$23.00}, which I paid. That was it. This started in XXXX. I received this collection and contacted the CREDITOR, 5 times, spoke to XXXX XXXX, they made no demand nor they gave me any information regarding an owed debit. Received an email stating that she was looking into the matter but never called me back. This has been way over a month. On the other hand, I also sent 3 emails to the collection Agency requesting more information and explaining everything and also requested that they inform me. Never heard from them. 

Please inform How much longer do we have to deal with companies like this? How much longer are these people going to do whatever they want and nothing happens! One way or the other this has to stop. 

I certainly hope that Honesty and Integrity play a roll. It will get nasty.
Product: Debt collection

I received a notice for debt collection from American Coradius International dated XX/XX/2019. On XX/XX/2019, I sent a debt validation letter via mail and fax to American Coradius International, stating that I do not owe any debt and challenging the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls and received another letter to attempt to collect this debt that I do not owe. I have had to send another letter today via fax and will send it once again by mail. I do not owe this debt and want the calls, letters and attempts at collection to cease.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit card or prepaid card

I initiated a balance transfer on XX/XX/XXXX transferring {$440.00} from my XXXX XXXX credit card to Chase credit card. Only XX/XX/XXXX the balance transfer was completed by Chase and the {$440.00} was added to that account. Today XX/XX/XXXX I still see the balance on my XXXX XXXX statement as well, I called customer service and they claim they don't see any transfer to Chase and they can't adjust my account until they receive payment from Chase. As of right now the {$440.00} balance is on two credit cards and needs to be corrected including the refund of any fees or interest.
Product: Checking or savings account

I dont know why my account is closed they are not telling me anything I havent did anything wrong the bank account I sent money from XXXX XXXX Im a joint owner of I need clarity on this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX to XX/XX/XXXX accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  has not been investigated. This is ridiculous at this point, I know that this has not been done because the update status has not changed. Please delete this from my credit profile immediately due to the bureaus direct violation on not investigating this matter. Please consider this my written authorization. Attached is proof of my identity.
Product: Mortgage

XXXX XXXX  XXXX REMOVAL REQUEST FORM How is this form used? 
Its used to request removal of Private Mortgage Insurance ( PMI ) from your mortgage loan. 
Note : FHA loans entail different removal criteria. The applicable form is available on our website : www.rpmservicing.com A new valuation, which can cost up to {$600.00} or more, is required* to confirm the value of the property. This can be true even when removing PMI based on the original value of the property. 
What requirements must be met to initiate cancellation of PMI? 
The loan must be current on mortgage payments. 
The loan must have a good payment history. A good payment history means : o No payments 30 days past due in the last 12 months, and o No payments 60 days past due in the last 24 months. 
The current property value must be at least equal to its original value The loan must meet the applicable loan to value ratio ( LTV ) provided in the PMI Cancellation Matrix on Page 2.

There must not be any subordinate lien ( s ) attached to the property. 
For properties located in Minnesota, the property must be owner occupied. 
For loans seasoned less than 2 years where substantial improvements are claimed, evidence of substantial improvements are required. This includes a list of improvements, contracts, and receipts ( see the FAQs on page 3 for more information ). 


I called to inquire about PMI removal which resulted in a {$500.00} charge, they sent someone for Appraisal and we didn't qualify LTV based on Original Value 80 % XXXX XXXX : 70 % XXXX XXXX : 65 % Other : 70 %. Prior they did not advise. I inquired online. Since then ( 12+ months ) they stated it would automatically come off by XX/XX/2019. 

I am still being charged {$75.00} every month. The mortgage balance is {$210000.00}, the home value is {$290000.00} and the original purchase was {$270000.00} with {$40000.00} down payment. 

They want to charge me another {$500.00} to remove this PMI!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was contacted over 30 days ago regarding items that were not verified correctly as mine.Experian is the only company that is not investigating this item. It is violation of FDCPA, FCRA and I have no knowledge or ownership of this item. Expeiran has  shown no indication that they've investigated as well. Also, there was an account reinserted/added without my knowledge
Product: Credit card or prepaid card

I opened a Fidelity credit card which is controlled by Elan Financial Credit Card Services. They offered me a promotion of bonus points if I met a certain spending threshold in the first 90 days. I met the threshold and had {$180.00} worth of points, but they deposited the money in an account that wasnt mine. When I contacted them about the issue they never fixed it. They also retaliated by closing my account. They still have yet to provide me a written reason why they closed my credit card account and never provided me a method to repay my balance. This doesnt seem like a legal practice. Elan had somebody named XXXX ( XXXX ) XXXX call me and she stated she would resolve the matter. She never did and will not respond to any phone correspondence since the initial call. They continue to say they will resolve these issues but no action is taken. Also nobody from their company will respond to my calls or emails.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to protect and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

Sub was repossessed XX/XX/XXXX when I was on unimployment XX/XX/XXXX I got a call from compass bank XXXX to satisfy the loan which was XXXX at the time so we negotiated for half that and XXXX dallers a month which I could not afford but I said ok she said make a few payments and they might right off the rest so after making a couple of payments my XXXX dollars a week of unemployment benefits I could not pay it they must have sold it to a company because when I went back to work XX/XX/XXXX I got a letter from my employer that I had to relinquish 25 % of my after tax income to the sun loan company and that I owed the. XXXX And some change I 'm at a lost for this please help my phone number is XXXX
Product: Vehicle loan or lease

Purchase car XX/XX/XXXX in the middle of open XXXX XXXX. Past due on account, instead of Prestige just reporting me late, they reported my account as paid off and as a New BK, when my BK discharged on XX/XX/XXXX. I sent email to complain and XXXX emailed me back. XXXX stated I have reviewed your account history, our reporting of that history, as well as the Prestige tradelines for all 3 credit reporting agencies. I was able to see where your report shows that this account is included with your bankruptcy filed in XX/XX/XXXX. This is not information Prestige has provided to the bureaus, and I am not sure why they are reporting this information. I have sent a manual update to remove the bankruptcy information and report the correct account information, which you should see in the next few business days. XX/XX/XXXX, recvd an alert stating account has been closed and now dropped my score to XXXX, included in BK. instead of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account wit h Conn 's h ome furnishing at the end of  XXXX   XXXX .   I made sure I understood all the details.   I borrowed approximately  XXXX  dollars.   I made the first payment due on  XXXX  at the inception of the contract.   My next payment was due on  XXXX .    Conn 's  has attempted to reclassify my payment, even though I made it clear when the payment was made it was for  XXXX   XXXX .   Next , Conn 's ha s claimed that they can report to the credit bureaus unrealized and unowed interest as money I borrowed.   They just reported me as 30 days late, to the credit bureaus even though I have made all my payments timely to this date.   They are rude, disrespectful, uo to management, and refuse to obey the law, the FCRA, and feel their policies are greater than the law.
Product: Debt collection

Due to XXXX back in XXXX we applied for rental assistance. We were approved & the city of XXXX XXXX Texas paid our rent that was due until the end of our lease which was the end of XX/XX/XXXX. I have provided all this information ( documents ) from the city showing proof that our rent was paid for. XXXX XXXX was the property. Phoenix Recovery Group is the collection agency. After I showed proof to both parties I received a email from XXXX XXXX XXXX from Phoenix Recovery Group stating that they had received a call from XXXX XXXX and they had confirmed that they had received the proof of the rental assistance. But now they charging us XXXX for something else they came up with. This item was just sent to collections this year in XXXX. I believe this to be fraud trying to collect money that was already paid. I've even provided the check number and account number that city gave to give XXXX XXXX Please help me with this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It comes to my attention that there is multiple credit inquiries that I did Not recognize nor authorized consenting to. Please verify these credit inquires from XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX as well from XXXX XXXX. These are Unauthorized inquiries, please verify and provide proof of authorization of original signature of its owner within 5 business days in compliance with FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 in viewing my credit report I submitted a dispute regarding a fraudulent charge and requested this very old information be removed, XXXX responded by deleting, as a result my credit score increased. However, Equifax did opposite, dropping my score by 21 points. Both phone calls their agents directed me to " Obtain a Credit Counselor ". I find this scandalous. First your agency drops my score  then your direct me to a paid ... No other changes were made to my report within this 9 day period. Equifax offerred NO other recourse.
Product: Credit reporting or other personal consumer reports

Security Fiance recently had my account being reported as charge off and due to XXXX XXXX compliance law the information on how it is being reported is not accurate it is showing XXXX XXXX XXXX XXXX XXXX XXXX etc.. they said my last payment was in XXXX if it was it needs to report XXXX XXXX XXXX XXXX XXXX XXXX then charge off.. I spoke to repressive name XXXX and I tried to request information and said I had to it in writing which is false if the company can't provide information or is go report information they need to report accurate or delete from my credit report
Product: Mortgage

XXXX XXXX XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX when taken over by FDIC. Over appraised home by {$95000.00} using a second appraisal when first came in much, much lower. At closing never paid all funds. Went out of business before addressing fully. Sent 3 people to my home on XX/XX/XXXX to harass me banging on windows and doors frightening my children and arousing neighbors. Filed foreclosure proceedings that were dismissed for failure to prosecute XXXX XXXX XXXX.XX/XX/XXXX-XX/XX/XXXX Claimed ownership of Note and mortgage through FDIC. Rejected 10 loan modifications from XX/XX/XXXX-XX/XX/XXXX. Filed two foreclosure complaints, second was picked up by XXXX XXXX XXXX XXXX who bought mortgage during litigation from XXXX.both dismissed. 

Bayview Loan Servicing LLC.XX/XX/XXXX-XX/XX/XXXX Have no original Note, was not in possession of it at time it filed foreclosure summons. Still awarded Summary Judgement even though they admitted that their affidavit was wrong, and found a missing {$7600.00} 1 year into foreclosure proceedings, proving at was not even in default when lis-pendens filed. Judge is a close family friend of my ex wife and should have recused himselfas he did in two other cases involving us. Appeal being filed
Product: Credit card

I have been a customer of PNC Bank for over 10 years, and I have had a PNC points Visa credit card for most of that period of time. My main checking account is with PNC. Recently, I received a prescreened offer of credit from PNC encouraging me to open a PNC points Visa credit card - which, as I mentioned, I already have! I was concerned that either a. the account had been closed for some reason and I had n't realized it or b. there was a data integrity issue within PNC that resulted in them not realizing that I was currently a card holder. I contact PNC online customer support who told me that in fact they do routinely offer identical products to current customers for their own " benefit. '' I realize this is a very small problem in light of all of the other issues facing consumers in the financial space, but I 'm just incensed that PNC has so little regard for me as a customer. I fail to see how opening another credit card I do n't need ( and already have! ) is in any way a benefit to me. It 's insulting, and it 's tricky.
Product: Debt collection

Midland Credit Management is attempting to collect a debt on behalf of XXXX XXXX for {$870.00}. On XX/XX/2019 the alleged debt was sold to MCM. My first attempt, I sent a validation notice delivered on XX/XX/2019 certified with return receipt. My notice was ignored and MCM sent a Pre-Legal Notification dated XX/XX/2019. My second attempt I sent a Fault, Notice of Non-response, Non- Negotiable with an Opportunity to Cure delivered XX/XX/2019. My Notice was ignored and MCM sent another Pre-Legal Notification dated XX/XX/2019. My third attempt I sent a XXXXease and Desist notice on XX/XX/2019. 
Midland Credit Management is NOW harassing ( name )! 
Midland Credit Management are debt collectors and has failed several times to furnish a copy of the formal purchase agreement, and state how much was paid for the alleged debt. Midland Credit Management did NOT Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt to their firm. 
Midland Credit Management claims to be the current owner ( HOLDER IN DUE COURSE ) yet, Midland Credit Management has failed several times ( certified mail numbers provided ) to provide ( name ) with THE ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, my sister and I went to dinner and split the bill. She asked if I paid for it could she cashapp me the {$150.00}. I said yes forgetting how long it had been since she cashapped me so I went to the account I havent had access to since XXXX because I got a new phone. Once I realized it she and I both immediately contacted cashapp to try and cancel the funds. For several days I was asked for verifying information that I submitted just for them to determine that the account couldnt be reinstated for security reasons and it was no way to return the funds to the sender. They keep stating it is for security reasons but also so told my sister the funds cant be canceled because it was completed. I kept asking why cant the funds be returned if theyve deemed the account inaccessible. They are stating they cant provide any details the funds wont be approved to be returned back to the sender.
Product: Mortgage

My name is XXXX XXXX. I am now XXXX and retired. I have been paying on a 7.375 % interest from Bank America Home Loans since XX/XX/XXXX almost XXXX years. When interest loans were lowered to 3 and 4 percent, I started applying for a modification to reduce interest. 
I have been engaged in doing this for the past XXXX years. With the help of XXXX XXXX of XXXX State Assemblywoman XXXX XXXX office we have filled and submitted over XXXX applications for this. 
At first I was told while I was still XXXX that my income was too high. After I retired XXXX XXXX acting as Third Party have submitted al least XXXX more applications which involved bank statements for 3 months ; periods, letters from the college and reduced income supporting hardship -- all without success. This frustrating process required submission of appplications to always changing consumer relations associatte. This means that after submitting the ; package to that associate. another person would take over the next time : one in XXXX, another in XXXX, still another in XXXX. 
The only act of mercy I received was the acceptance of monthly escrow payment which I paid faithfully. 
After the month of XX/XX/XXXX had begun, I received a note from Bank American Home Loan informing me that my loan had been changed toXXXX Mortgage ... In dealing with XXXX the monthly payment is still exhorbitant and the interest still at XXXX which means there was deception all along -- or fraud. 
I choose as my title persecution of seniors, a descriptive title that used in a communication to the Commissioner of Currency which supervises banks. Bank America exists because tax payer monies bailed them out of the crisis it has been shown that they also helped perpetrate. 
I am submitting my story to broadcast my claim that I am being treated unjustly. 
i will be forwarding to you a copy of my letter to XXXX XXXX of Commissioner of Currency whose institution has done nothing. 
I am presently working with XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Third Party. 
I can not just give up even in this unjust situation which is aimed to cast me out of my residence and my major asset. 
I am an XXXX great grandmother. Lowered interest and modification process were intended to render justice to ordinary Americans but the way it is handled causes plunder the old highway robbery system. The XXXX 2 weeks ago listed income of executives in seven figures why the poor are defrauded. 
I am trusting that you are a honorable American who is committed to do right. Righteousness will keep blessing America. XXXX. XXXX XXXX XXXX XXXX XXXX email : XXXXXXXXXXXX.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6100.00} Date of Account:XXXX