23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I own Property XXXX XXXX XXXX XXXX TN My remaining Balance on it XXXX.I requested from Chase To cancel my PMI because My Property appreciate to $ XXXX. 
Chase order PBO on XXXX property and came back with the price of $ XXXX. 
I am at 75.85 % LTV Chase refuses to cancel my PMI Chase Consider my the Value of my property only $ XXXX even the PBO came back XXXX Chase does this all because they do not want to cancel my PMI. 
I talked with one of the agent that is from XXXX XXXX she told me chase does this all the time with people from the XXXX XXXX.
Product: Consumer Loan

TFC Title Loan promised a submission of notice to the credit agnecys for completing my loan, XX/XX/2015. That never happened. 
I have the letter and payment schedule.
Product: Debt collection

For months now my credit has been ruined by a collection effort from XXXX XXXX and Pinnacle. XXXX after there investigation claims they notified the CRAs to delete the file. Pinnacle despite consistent efforts ignored that and when finally notified they resold the debt to one of there affiliates. The file this company claims I owe is from a current XXXX account opened XXXX/XXXX/14 so it 's baffeling how it could be a collection account. Both XXXX and XXXX have snubbed Thier noses at any applicable federal law regarding credit reporting. It 's time to put Pinnacle out of business.
Product: Bank account or service

I had several accounts at BMO Harris Bank in XXXX that were closed on XX/XX/XXXX. I had to wait until XX/XX/XXXX to access my funds to ensure there were no outstanding claims against the money. They closed my accounts and gave me the remaining balance. I was contacted by a debt collector XXXX in XX/XX/XXXX ( almost a year later ) indicating I had an overdraft charge. I filed a dispute and they stated I would get something in the mail. I never received follow up on this despite repeated attempts to obtain resolution. Then In XXXX, I was contacted by a debt collector, XXXX for the same debt. I have been disputing this debt for an additional 2 1/2 months, in writing with the debt collector and the bank. No one has provided me with documentation that proves I created the overdraft, who may have been paid with funds, or anything other than a bank statement showing a " previous balance '' from XX/XX/XXXX, a month after the account was closed. I have spoken with multiple employees at BMO that confirm I owe nothing. I have confirmed with all of my creditors that no payments received by them were drawn on BMO after the date I closed the account. After 6 months of calling them and being repeatedly told I did not know anything, I was finally offered to be transferred to the credit reporting area of the bank " If I thought that might help '' and the employee there said I owed it but hung up on me when I attempted to find out what caused the charge in the first place. I am still being reported delinquent and still getting calls well after the 30 day window for dispute resolution. Each attempt to get information ends in my being directed to take it up with whichever party I do not have on the phone. This is impacting my credit and I am getting no where with either the lender or the credit reporting agency.
Product: Mortgage

On XXXX XXXX XXXX AMERIHOME MORTGAGE COMPANY LLC carried out an unlawful foreclosure sale on my property. The corporation lacked the necessary authority for this foreclosure as the note had not been legally transferred to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This omission was a deliberate attempt by AMERIHOME MORTGAGE COMPANY LLC to circumvent tax obligations, specifically by avoiding the filing of a Form 1066 income tax return. Such actions constitute a violation of Title 26.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a loan from my bank and got denied. I looked at my credit and saw things on there that is not mine. Bankruptcy XXXX-DSP-XX/XX/XXXX-VER-XX/XX/XXXX, XXXX  XXXX XXXX XXXX . I have contacted local police and the FTC.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft over and over. I just found out that my mail was forwarded out and criminals open up new bank accounts and credit card accounts under my name.I never knew these accounts was opened because I wasnt getting mail directly to me. Unit the accounts was ran up and reported late. Ive called the credit card companies as well as filed a police report with the banks. This is absolutely the worst time for this to happen because I am looking to buy a home and my credit is Ruined. 

Affirm account. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXXXXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Please block and remove this account from my credit report. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. This is a fraud. Please remove this account immediately. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the Better Business Bureau . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W2, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX, has violated my right.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I prepaid my property tax to XXXX County Il in hopes of taking advantage of the recent tax law changes. 

Payment made XX/XX/17 for {$7600.00} Amerihome Mortgage Company refunded from my escrow {$6600.00} They refuse to pay me the full amount of my payment and owe me {$1000.00} AmeriHome XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX XXXX 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 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: Debt collection

THIS IS XXXX XXXX AND I AM DISPUTING THE ALLEGED ACCOUNT WITH DIVISION XXXX XXXX XXXX AND XXXX XXXX XXXX AND COMENITY CAPITAL BANK. I AM REQUESTING VERIFICATION UNDER OATH OF THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR FOR THIS ALLEGED DEBT. I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND DEMAND FOR XXXX XXXX XXXX AND COMENITY CAPITAL BANK TO CEASE AND DESIST ALL COMMUNICATION WITH ALL THIRD PARTIES ; XXXX, XXXX AND XXXX IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am about to retire and can't open an on-line account with Social Security. The reason is the security questions are based on info supplied by I believe XXXX. None of the info is mine. I thought is was Equifax and notified them. I got a confirmation number XXXX. But nothing was done. Tried many times submitting on-line. Nothing. Tried same with Equifax. Did get an email through and they gave me a case number on XXXX. Despite many online attempts nothing. I wrote you but think it didn't go through as site was acting up. I have no retail card or other charge cards. I have no auto loan. I have no student loan. I have no mortgage or refi on home. Both agencies report I have all of aforesaid. I am embarrassed to say but I was receiving food assistant from government for some that the period. I just want them to correct info in file and relay to XXXX. In addition my home insurance is slightly higher as they use this incorrect info too.
Product: Payday loan, title loan, or personal loan

After accepting my loan and made my first payment, I attempt to track my interest rate on my great plain account by accessing their website, I noticed that the bi-weekly payments went to interest. The charges became excessive and amounted to only fees outside of the agreed upon amount. I borrowed {$500.00} and have paid back over {$900.00}. The company continues to harass me claiming that I owe them an additional {$2200.00}. for a above the amount that I have already paid back for a {$500.00} loan. Prior to receiving the loan I was not allowed to view the full agreement I 've tried to view the loan agreement at the company 's website but they will not allow me to see agreement I can only view the payment history which. I wish to be released from this fraudulent agreement. I can not phantom that an {$500.00} loan will cost {$2000.00} to repay. This is not a fair deal and I 've been scammed. Since I have already paid more than the amount I originally borrowed I would like them to consider my account paid in full and close my account. I would also like them to make ... corrections to my credit report saying the loan was paid satisfactory.
Product: Credit reporting or other personal consumer reports

The FCRA requires that information reported to the credit bureaus must be accurate and up to date. USAA is missing my positive payment history from two bureaus and needs to be updated immediately so that it is reflecting accurately. 

Acct # XXXX is missing my positive payment history from XXXX and XXXX and needs to be added immediately This account should be reporting identical accross all XXXX bureaus so that it is accurate and fair to follow the laws of the FCRA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Citi Bank sent me a credit card last XX/XX/2021. I have attempted to close it and they will not as I will not supply them with my Social Security number. I never had opened this account and I have been attempting to close it. I recently received a bill from them for use of the card. I was in touch with you folks back last year on XXXX XXXX when I submitted a claim. That ID number was XXXX. This issue needs to be resolved. I have sent Citi Bank a letter as I will not deal with them on the phone any more. This is credit card fraud as I am being held accountable for a credit card I did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies in my report and i have filed disputes with XXXX XXXX on the dates below Experian. 
- XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report is cause me great distress and XXXX. 
According to the FRCA Law Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I was contacted via XXXX XXXX for an offer to purchase an engagement ring I had listed that day. The buyer reached out and said they would come by the next day to pick it up and would send payment right away. However once that was established, I received an email from, supposedly, VENMO pay services, stating my business account needed to be verified and in order to do that, I would need to send {$500.00} to the buyer and then Venmo would release the {$1700.00} back to me, {$500.00} for my deposit and {$1200.00} for the price of the ring. I set up the account and sent the payment not realizing I had been scammed. I sent a screenshot of the transfer to the buyer as instructed by VENMO, and then received another request for an additional {$500.00}. That is when I went back and checked the domain name from the emails and it was clearly NOT VENMO. It was XXXX. I immediately told the buyer I wanted my money back, obviously they didn't comply. I reached out to VENMO and reported the instance and they said they'd be getting me the money back but need 10 business days to do so. However I received a follow-up email from Venmo stating I would not be getting my money back. I called today and told them, they need to backtrack the wired funds to the fraudulent account and contact the banking institution where the funds ended up and report those as fraudulent funds so they could send the money back. However they said they can't do this and no refund to me. I expressed that they should absolutely be able to refund this money since it was obvious Fraud, but they said they don't do that. That means, they are supporting fraudulent transactions to occur on their platform without any recourse to rectify the situation for the consumer. I am asking for an investigation into this situation and would hope this will encourage them to refund the money. They allowed this fraudster to set up an account on their platform, yet they can't do anything when it's brought to their attention. I don't buy it. They should have XXXX XXXX in place and fraud insurance to cover situations like these. I also filed a complaint with XXXX, XXXX, and my local police. If you need any further information I would be more than happy to oblige. 

XX/XX/XXXX - XXXX, MO. Case # XXXX XX/XX/XXXX Venmo Case # XXXX and XX/XX/XXXX case # XXXX XX/XX/XXXX XXXX XXXX # XXXX Thank you for your assistance with this matter. This was the last of our money and was devastating to me and my daughter. It was her money we sent them, thinking I would get it back. Anything you can do to help me get this money back is truly appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX, during which I was subjected to coercion and exploitation. As a result of this experience, several adverse credit accounts were opened or debts were incurred without my consent or knowledge. These accounts have caused significant financial and emotional hardship. 

I am requesting the removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ). The accounts in question include [ e.g., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, etc. ], which I have detailed in my supporting documents. 

I have attached a Victim Determination Document ( VDD ) issued by a recognized XXXX certifying my status as a XXXX  survivor, as well as additional documentation to support this claim. I ask that these accounts be blocked and permanently removed to reflect my rightsasasurvivor.
Product: Credit reporting

It seems impossible to get a FACT ( free ) credit report online from Experian- it fails with a message saying a free report is not available at this time. 

All to conveniently, you can get a report on the website for what appears to be {$1.00}. However, this offer is misleading as the service actually costs $ XXXX/month. It is unnecessarily hard to cancel this service, which can only be done via phone.
Product: Credit card or prepaid card

I purchased a XXXX XXXX 2022 online XX/XX/2022. My first package was never delivered to my door, instead it was delivered to a post office no where near my house. Then was marked lost by XXXX on XX/XX/XXXX. XXXX sent a replacement I believe on XX/XX/XXXX that was never received as well. My daughter was home all day those days that it was suppose to be delivered on. XXXX has done nothing, but claim my packages were delivered. There is no signature, picture or even a note from XXXX for an item that costed XXXX. My claims from XXXX and XXXX and even my disputes have been cancelled, XXXX is stating that XXXX provided proof that my order was completed but there was no signature. I'm now being forced to pay for something I never received.
Product: Credit reporting or other personal consumer reports

TransUnion is obligated by the FCRA and the SEC to report accurate accounting. The company leverages and securitizes consumer data to make revenue. Consumer has advised ALL accounts mentioned in FTC report were fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer so consumer is now requesting your company to provide the documentation used to determine accounts were indeed authorized by the consumer. TransUnion has 15 days to provide consumer with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-Oscar report. If your company does not have documentation to show these were in fact authorized, it must be removed ASAP. Said company is liable under the SEC to follow certain rules. All prospectuses and most recent filings such as XXXX and XXXX can be attached as requested. 

TransUnion Commission File Number : XXXX According to FINRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Consumer will be filing Form 211 Treasury OMB to audit consumers account. XXXX gets paid by third party non-affiliate institutions to place information on consumers account. Then securitizes consumers data to further increase their revenue yet refused to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Student loan

I took a student loan but, I was overcharged I always was charged late interest eventhouh I paid on time electronically. The loan was split just to overcharge more interest and the bill statement was never send on time but late, but sometimes the bill loan was never send at all. I was charged over three times the price of the loan I borrowed {$9000.00} dollars but I paid almost {$20000.00} I paid the loan very early in advance. 
I was told that if I paid the loan on advance and in full I will have a 25 % discount but the never happened Wells Fargo bank intentionally is always defrauding students and people I want Wells Fargo Bank to be penalized for fraud and abuse of power.
Product: Student loan

I was involved in a fraud scam. In XX/XX/XXXX of last year, I set up a payment plan with this company for my student loans to be paid off in the next 10 years if I pay this amount for 10 years. I had no idea that they were taking the money and pocketed it. I just want my money back.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX Balance : {$1700.00}