23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I made a {XXXX  principal payment to The Money Source, Inc ( TMS, loan service provider for conforming mortgage from XXXX XXXX to pay down my mortgage principal to less than 80 % of the original valuation at loan closing ( XX/XX/XXXX XXXX. I have made all of my payments on time. Recent refi appraisal is valid for 120 days from XX/XX/XXXX, so I do not think the property has declined in value. 

On XX/XX/XXXX, I mailed a letter requesting PMI be cancelled via XXXX. On XX/XX/XXXX, I called to request that PMI be removed. When I spoke with their representative, they agreed that the principal had been paid down below 80 %. However, they said that I needed 2 years of payment history to cancel PMI. For this reason, they did not approve my request. I expressed my concerns to them on the phone and also by email to the address they provided XXXX XX/XX/XXXX XXXX. 

From reviewing your website and calling your call center, I believe I am only required to not have late payments in the past two years ( I have made all payments ). It my understanding they must honor this request and not require a " seasoning period '' as they are requesting. 

Per your website ( https : //www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/ ), " Other things to keep in mind about the Homeowners Protection Act Loan investors, including XXXX XXXX  and XXXX XXXX XXXX often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the HPA provides. But these guidelines can not restrict the rights that the HPA provides to borrowers. For example, the HPA does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). '' Assuming you agree, I am asking the CFPB to direct TMS to cancel my PMI. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of trying to XXXX  with a different lender, I noticed my Credit Score decrease by XXXX points, when I looked there was a late charge in XXXX on my credit- I had a grace period to get my payment in which I paid by and they still reported me to the Credit Bureau XXXX This is very irresponsible- I reached out and and asked a rep to send copy to my explanation this was a error on there part, after she did verify the payment was made by the Grace period and they had to remove the late fee. They failed to update my credit report which have caused my credit to fall drastically. Im very disappointed on everything I have been through with this Company and the very reason Im trying to find a different lender to service my Loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc ) due to poor customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to act quickly and effectively to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Additionally, their dispute resolution process was unfair and deceptive, failing to meet the error resolution standards under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These issues have caused considerable inconvenience and financial loss, and I am seeking appropriate compensation for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have corresponded multiple times with the company EQUIFAX INFORMATION SERVICES LLC. I sent out my last correspondence on XX/XX/2019. The company has failed to respond to my verification disputes within the 30 day time period as today is the XXXX of XXXX and I am mailing out another correspondence to have these alleged items removed due to no response and " Silence Is Acquiescence ''.
Product: Checking or savings account

On XX/XX/2021, received an email notification that my Chime debit card has been compromised from the following merchants, while my card was on my belonging : XXXX XXXX - {$62.00}, XXXX XXXX XXXX XXXX - {$190.00} XXXX - XXXX XXXX XXXX - XXXX Immediately when I noticed the transaction, my emotional judgment made me dispose of my debit card, then filed a dispute and requested a replacement card using the Chime bank app. The bank sent me an email to complete the dispute form on Mon XX/XX/XXXX, XXXX XXXX. Completed the form and emailed it to the support department on Mon, XX/XX/XXXX, XXXX XXXX. On Tue, XX/XX/XXXX, XXXX XXXX, I received an email stating " Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. '' I replied to the email stating I would like to appeal the case, then received an email stating " Thanks for reaching out to Chime Disputes Team! If you do not agree with the outcome of your dispute, you may submit a rebuttal, provided you have new information that was not provided to us previously. This new information can be a conversation with the merchant, copy of a receipt, a police report, your work schedule, etc. '' Immediately I went to my local police office to file a police report and sent the information to my bank on XX/XX/2021, XXXX XXXX. Still the same outcome. On Sat XX/XX/2021, I decided to go to all the merchants was the transaction was made to see if they can provide me a copy of the receipt for the fraudulent purchases, wasn't able to obtain it since they needed the card number which I didn't have anymore. I have called Chime if they had that information but they didn't. I did record the conversation I had with the merchant and emailed Chime to re-appeal the case on Tue, XX/XX/XXXX, XXXX XXXX, but on Fri, XX/XX/XXXX, XXXX XXXX, received an email with the same outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX Dispute Reasons Accuracy : This account is too old to be on my credit report. 
The credit limit and/or high balance are/is incorrect. 
Home Recommendations1 Cards Loans My Overview My Recommendations1 Accounts Credit Cards Loans Auto Resources Tax Profile & Settings Logout Direct Dispute In partnership with XX/XX/2018 Estimated Completion Date Status Details TransUnion received your request on XX/XX/2018 and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. TransUnion has yet to get back to me or remove this old account off my credit report.
Product: Checking or savings account

I purchased a flight on XXXX for XXXX The flight was a XXXX XXXX flight The flight was continuously changing then was cancelled due to covid by XXXX XXXX I called XXXX to process the refund, I received an email that I was given flight credit and that if they cant honor the flight credit that Im eligible for refund I called XXXX XXXX on XX/XX/XXXX to book a flight using the credit. They advised me the credit was not eligible and that the flight can not be booked unless I pay full price I called XXXX who contacted XXXX XXXX to process the refund. They hung up the phone so I disputed the charge with chime. After 6 months and providing documentation chime still has not returned the flight costs or the baggage fees I was charged twice for
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

I purchased a Computer from XXXX XXXX in XXXX XXXX XXXX. The Computer company used a financing company " Easy Pay Finance '' I returned the computer purchased in XXXX of XXXX however Easy Pay Finance never stopped processing payments on my account. I 've contacted them multiple times and have even made them aware that the Company where the purchase was made has been under new ownership twice since XXXX of XXXX. The new owners do not use Easy pay and the product which the contact was made for was returned to the store. They have even confirmed that they ca n't get a hold of the owner of the store themselves yet they wont ' stop processing payments and have even started to charge me NSF fees because I 've asked my bank to stop their transactions. Easy Pay Fincance company keeps asking for me to contact the owner of the company and have me going in circles rather than attempt to resolve my issue.
Product: Credit reporting or other personal consumer reports

Billing errors were on my report. I was never late on any of my accounts. You can not report inaccurate information this a violation FDCPA false misreporting please update account to current and paid as agreed on time. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. This is foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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

This company Equifax a contact more of XXXX times complaining open dispute information they reported inaccurate outdated account status charge off charge past due erroneous and incorrect A request a fair dispute process I have the right to an accurate credit file and discrepancies like this are unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending an affidavit because I saw my credit report and there is so much inaccurate info on there. I am a victim of identity thieft. Someone stole my information and opened up accounts under my name. These fraud accounts are holding my credit score down. please investigate and remove these fraud accounts from my credit report.
Product: Checking or savings account

I had a XXXX XXXX XXXX XXXX my ex filed bankruptcy which included a boat we had financed. She maintained possession of said boat and it got repossessed. The bank auctioned it for XXXX 's on the dollar and then stole XXXX out of my bank account 6 years later stating that they didn't receive full payoff. 

# 1 - The boat was involved in a bankruptcy # 2 - It was 6 years ago # 3 - How can they just steal my money # 4 - I'm being as civil as possible but that won't last long At the end of the day, I need my money back IMMEDIATELY and I will take whatever action necessary. I'm a XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This WILL get dicey if I don't get my money back.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was talking to a man online and exchanging explicit pictures with them. I was under the impression that they were a trustworthy individual and a real person, but after a point, they began to blackmail me by threatening to send explicit pictures of me to my friends and family over social media unless I began paying them money. I foolishly began sending money with the hope that they would stop, but it kept going. 

I was in contact with this person over the XXXX  app, their username is @ XXXX and I initially began speaking with them over Direct Messages on XXXX, their username XXXX The payments were sent via PayPal friends and family transfer to three different " people ''/ email addresses : " XXXX XXXX '' XXXX, {$50.00} " XXXX XXXX '' XXXX, {$50.00} and {$100.00} " XXXX XXXX XXXX  '' XXXX, {$300.00} and {$200.00} My PayPal account had an existing balance of ~ {$150.00}, which I was informed by PayPal was nonrefundable, with {$550.00} that came from my bank account under duress ( a total of {$700.00} I paid out ). 

I initiated stop payments with my primary bank, then PayPal issued the charges to my backup payment methods, flagging my primary bank 's fraud protection, freezing my credit card, and causing me to cancel it and get a new one issued. 

PayPal then charged ~ {$250.00} to my PayPal balance, leaving a NEGATIVE balance of - {$200.00}. I contacted customer service to ask why this happened and was informed by PayPal that the money would still be my responsibility because they paid upfront for the instant transfer of funds and, because of the transfer method, their fraud protection did not cover the exchange.

I asked the representative if my account was accessed by an individual that I did not authorize and they completed the same transactions if their policy would cover the fraud, and they stated yes. 

I then argued that if I transferred the funds while threatened/under duress how that would not be the same since I did not want or intend to send the money, and they stated that I should file a report with the authorities and the IC3 ( Internet Crime Complaint Center and FBI ) . 

Their solution was to initiate a refund request to one of the scammers/blackmailers email address, disclosing my personal email address to them outside of PayPal, who the blackmailers then used to contact me directly asking for " the reason I want a refund. '' I do not know whether or not I should continue contacting these people, I just want this resolved.
Product: Checking or savings account

The wells fargo claims department is so unorganized my card got hack got stolen earlier this year I went through all my wells fargo transactions there was alot of transactions I didn't make I'm asking for my refund for all XXXX transactions call the claims department XXXX all theses are my case the claims rep gave me denied all my claims I was very honest he had me on the phone XXXX XXXX XXXX I ask him can I get a temporary provisnal credit he told me no. Theses claims from XXXX and XXXX I didn'take any of theses transactions I feel wells fargo owe me a cashier check for all theses claims when ask file a claim he told me he couldn't cause my account was close I was hack I didn't make none of these transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. ", is in violation of 15 USC 1692g. " APPLE CARD, '' were to notify me of this in writing 5 days prior. I was not notified. As the Original Creditor, only I can validate this debt. I do not validate this debt.Therefore, the following account must be delete from my report immediately.The reporting of this account are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( " APPLE CARD, '' ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device. I never gave '' APPLE CARD, '' any verbal or written consent to report anything on my consumer report. No consent is identity Theft. ( 18 USC 1028A ) - '' AGGRAVATED IDENTITY THEFT. '' )
Product: Credit card or prepaid card

I returned an item I purchased and a credit was not issued for the {$17.00}.
Product: Debt collection

For the last 18 months I have been getting these collection companies trying to collect a bogus debt that they say I owed to XXXX XXXX which I currently have an account with. If i owed XXXX XXXX  anything they have my personal info and would have contacted me. When I moved and set up my new services at my new address there was nothing owed on this account, I will not pay for something I do not owe no matter the amount or the discount that they offer to clear this up. I have called and told the collection agency and they say ok then they sell the debt to another. Now I see they have dinged my credit report with a collection, this behavior is illegal and these companies should not be aloud to act in this manner. I want my credit report cleared and the companies XXXX XXXX XXXX XXXX 1st one to send me notice that I called and told them this was bogus then the bogus debt was bought or transferred to AFNI XXXX I am holding them responsible and want them prosecuted
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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

XX/XX/2021 XXXX  Experian XXXX  has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is Equifax, XXXX XXXX. They are putting a name on my credit report that's not mine. My name is XXXX XXXX, not XXXX XXXX. They're saying that XXXX XXXX is accurate. That's not my name. I sent them my Driver 's license with my name on it. That's identifying me. But they're refusing to correct it. I want it to be Immediately removed and corrected on my credit report. I want my true name on my report and no other name that's not mine. I also want to be compensated for this dispute. Because I'm trying to get a mortgage and it's causing me problems to do so. I want to be compensated {$1000.00} for there disregard of my credit report and my name.
Product: Debt collection

Alliance Collection Agencies Inc. is attempting to collect on a debt that I do not owe from a company I have never heard of.
Product: Mortgage

Back in 2010 I asked BOA for a loan modification XXXX. We were financially strapped and after months of being late on mortgage pymts which BOA told me to do my credit was short XXXX & they started forclosure. 9 months later they sent me a letter that they would do a modification- {$1.00} less a month YES {$1.00}, I signed it and not realizing they added 2 years on to my mortgage. I am now looking to refinance and I just found this out. I am furious, want those 2 yrs back & I want out of BOA.
Product: Debt collection

On Thursday, XX/XX/2020, I received a first-time email from a collection agency known as TrueAccord working for XXXX XXXX, on behalf of XXXX XXXX XX/XX/XXXX, attempting to collect an alleged " outstanding balance of {$1300.00}. '' I had no idea I was in default of any kind to XXXX XXXX XX/XX/XXXX. Regular payments were made despite no flexible payment plan during COVID. And if XXXX XXXX XX/XX/XXXXstopped sending me bills than it was on its part. But turning my account to a collection agency without any prior discussion and notice is unacceptable business practices and policies.
Product: Credit card

I am on my nephews savings account with Wells Fargo. He was scammed while selling his car on XXXX XXXX. He was not using his savings account but it stayed open with less than XXXX dollars. He did not let any of us know that his happened but the buyer of his car sent him {$2000.00} more than the sales price to wire to someone who was supposed XXXX XXXX the car to the buyer. If anyone was informed we would have told him this was a scam. He originally went to his first bank XXXX XXXX and they would not give him {$2000.00} in cash so he went to Wells Fargo where he explained the situation and they gave him {$2000.00} which he wired to the Scammer. The check of course bounced. Wells Fargo then contacted me and let me know what happened and I immediately had my nephew call the police and open a police report I opened a fraud notice with Wells Fargo. We provided everything to Wells Fargo. I explained to them that my nephew was moving and to please let me know what was going on. Wells Fargo did not tell me they denied the fraud and said he was liable and the {$2000.00} was charged off. Because of this Wells Fargo closed my only credit card with them I had for XXXX  years as I have been a customer for XXXX  years. I opened a dispute with Wells Fargo and they would not acknowledge that I was not informed of the charge off and stood by the massive hit to my credit for closing my credit card.
Product: Credit reporting

I had a home equity loan from XXXX XXXX XXXX that was forgiven due to the lawsuit from the Department of Justice. I had applied for a business loan and got denied because my credit score went down XXXX points because my loan is reporting unpaid, past due of XXXX, and a balance of XXXX. I sent XXXX letters to all the credit bureaus and both times, they sent a letter back stating the account is correct and will remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Checking or savings account

ATM was charging {$4.00} when I used it plus they closed my account without my acknowledgement