23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear whom it may concern, Hi, my wife and I bought a XXXX house in 2013 and recently began to refinance our mortgage because we thought that we could get rid of the PMI since our property value has gone up and our principal seems to be lower that 78 % of our home value. However, we just found out that we can not cancel or remove the PMI because our loan process was finalized after the XXXX XXXX, 2013. We wonder if it 's true that there is no way to cancel or terminate the PMI until we pay the mortgage in full. Also, I now remember why our loan process was dragging for such a long time and I am curious if the lender was intentionally postponing to make the deal. 
Anyway, we would appreciate if any of you could clarify the rules regarding termination of PMI for us and let us know there is any way for us to avoid the ridiculous amount of the PMI fees. 

Thank you so much for your time and help in advance. 

Best wishes, XXXX from XXXX XXXX
Product: Student loan

After contacting the Department of Education and detmermining unauthorized student loans were taken out in my name i was advised to communicate directly with the student loan servicer Navient. Navient 's fraud dept requested that I complete an ID Thief Affidavit form in order for them to investigate the case. I filed a police report with the XXXX   College 's police dept on XX/XX/XXXX to report the fraudulent loans. On XX/XX/XXXX I filed a Federal Trade Commission ID theft report with the XXXX  College police report attached. This report was sent to Navient via Certified mail, including account numbers, detailed information regarding my identity, my claim and a Notary Seal. On XX/XX/XXXX I received a letter from Navient dated XX/XX/XXXX which stated that Navient closed the case because they were unable to confirm my claim. I contacted Navient for an explanation of the letter. Navient 's fraud dept agent ID # XXXX, started the case on XX/XX/XXXX. On XX/XX/XXXX, the agent insisted I i was required to grant Navient access to a third party entity in order for their investigation to proceed. On XX/XX/XXXX Navient closed the investigation due to " Insufficient information to determine fraud. '' This would mean the case only remained open for 13 days. The initial time frame given was 30 days for the investigation to conclude/proceed. In lue of this time frame not being upheld, I received communication from XXXX  XXXX XXXX XXXX dated XX/XX/XXXX. This notice advised me of a XXXX interest charge and a XXXX collection fee in addition to the Principle Balance in question. I received a Master promissory note via Navient, outside of that I have yet to receive any documentation regarding the validity, application of the loans, documents used by the person that took the loans out, or any other pertinent information to further assist in my research as well as the ongoing investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified CXXXX XXXX XXXX XXXX XXXX XXXXXXXX from my VERIFIED AND UNVERIFIED consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00}
Product: Mortgage

Ditech is attempting a Sherriff 's sale and fraudulent foreclosure with XXXX XXXX XXXX ( no affiliation with this loan ) and a XXXX XXXX ( no affiliation to this property ) as defendants in a fraudulent foreclosure on a property they no longer service. How?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial intuition and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$62.00} ; XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX ) XXXX Balance : {$72.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00}
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX {$470.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU {$470.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : URGENT Dispute of Inaccurate Accounts Demand for Permanent Removal Dear Credit Bureau Representative, I am writing under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally dispute and demand the permanent removal of inaccurate, outdated, or unverifiable accounts appearing on my credit report. 
Upon recent review of my credit file, I have identified the following accounts that are either inaccurate, unverifiable, or legally unenforceable. I request immediate investigation and deletion of these accounts within XXXX ( XXXX ) days as required by law when items can not be verified. 

Disputed Accounts : [ ONE MAIN ] Legal Basis for Removal : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Reinvestigate You are required to conduct a proper and thorough investigation of disputed accounts. If you fail to verify the accuracy of the accounts within the legally prescribed timeframe, they must be permanently deleted.

15 U.S.C. 1681e ( b ) Failure to Maintain Maximum Possible Accuracy Reporting inaccurate, incomplete, or outdated information violates the FCRA. Any unverified information must be removed immediately.

15 U.S.C. 1681c ( a ) Obsolete Information If any of these accounts are past the seven-year reporting limit ( or XXXX years for bankruptcies ), they must be permanently deleted under federal law. 
Recent Settlements & Legal Precedent Given the recent legal actions and settlements against XXXX and XXXX regarding inaccurate credit reporting, I demand strict compliance with the law. Continued reporting of unverifiable accounts will constitute willful noncompliance under 15 U.S.C. 1681n, making you liable for statutory and punitive damages.

Action Required : IMMEDIATE removal of the disputed accounts if they can not be XXXX  XXXX verified. 
Provide me with an updated credit report showing the deletions. 
Send written confirmation that these accounts have been removed. 
Failure to comply with these demands will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action for willful violations of the FCRA. 
I expect a written response within XXXX ( XXXX ) days of receiving this letter, as legally required for disputes involving unverified or inaccurate accounts.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding your bureau 's handling of my identity theft claim. Despite providing extensive documentation and evidence, it appears that my case is not being recognized or treated with the urgency it warrants. As a victim of identity theft, I have endured countless hardships, both financial and emotional, due to the actions of the perpetrator who maliciously stole my identity. I reported this incident to your bureau on XX/XX/2022, accompanied by substantial evidence, including FTC reports, to substantiate the authenticity of my claim. XXXX XXXX XXXX XXXX and XXXX, XXXX. XXXX. Please delete these accounts ASAP.
Product: Debt collection

In XX/XX/2020, we moved from XXXX XXXX  XXXX to XXXX, Maine. As part of that move, we cancelled our cable with XXXX in XXXX and then opened a new account with XXXX here. We have no oustanding balances with XXXX and are, in fact, continued customers in good standing. 

Sunrise Credit Services, calling from the number XXXX called a few months ago, demanding payment of a {$40.00} debt, related to our closed XXXX  account in NY. Because you pay your cable bill in advance of each month, it's actually impossible to close an account with an oustanding balance, so this makes no sense. We went online and confirmed a XXXX  balance on that account. 

At some point, Sunrise bought a phony receivable and has been attempting to collect it from us. I informed them by phone and by letter that there is no debt and to go away. But they called my phone yesterday and left no message. 

They have also asked me to prove to them that there is no debt. I told them that we are under no obligation to share any information with them and left it at that.
Product: Debt collection

XXXX placed an account in collections and used multiple Collection agencies in the attempt to collect via email/mail/phone/ credit file reporting all through XXXX, all without verifying the debt, I have disputed it multiple time always asking for the Original signed document as is my right, they were never produced nor was i asked to view them,, XX/XX/XXXX they still did not comply with originals instead sent copies with copy/pasted signature/altered documents and uttered a complete forgery all in order to validate a non existent obligation and extort monies not owed and the CRA 's are guilty of no adhering to FCRA by verifying the debt and only reporting 100 % accurate information * I HAVE NEVER AGREED OR ACKNOWLEDGED THIS DEBT
Product: Credit reporting or other personal consumer reports

Experian does not investigate any disputes I inquired about. They took 24 hours or less to tell me that they are done in investigating when they havent done anything. They also have XXXX XXXX credit card on my credit report twice and this is why my score is significantly lower than the other two bureaus. They also did not contact XXXX. I put in a dispute to have all delinquency and/or late payments removed because I have never been late and they failed to investigate that as well. I spoke with a representative yesterday regarding my deliquencys on my credit report and she told me to file it with Experian and they will provide them with information stating that I have no deliquencys in which I did and guess what? Experian didn't even contact that. I was able to dispute the account after 4 hours and no update on my credit report.
Product: Credit reporting or other personal consumer reports

Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards. 
I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged 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

XXXX  XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX - incorrectly reporting as *charged off as bad debt and sold to a another lender*. THIS WAS PAID IN FULL IN XXXX OF XXXX. I've made multiple requests for evidence of the charge off /pay history for which there has been no response for more than 60 days. Please delete the account in entirety or update the account information to PAID IN FULL. I've included a copy of my drivers license and bank statement as proof of payment.
Product: Credit card or prepaid card

My family ( XXXX  travelers ) traveled from Washington, DC to XXXX on XX/XX/2017 and all our bags were lost in that flight. We received the bags days later and some items were missing from the bags. We filed a claim with XXXX XXXX and XXXX XXXX carrier of last flight ). We also called American Express on XX/XX/2017 and the representative indicated that expenses incurred because of delayed bags were covered by our travel insurance with the credit card that we used to purchase airline tickets. We opened a claim with American Express ( number XXXX ) and to our surprise it was closed unilaterally by American Express months later. We have been calling and writing to the XXXX repeatedly and American Express as well. The XXXX are not responsive and American Express is asking for an airlines letter rejecting coverage before proceeding with the claim. I find my situation helplessness as I am submitting this complaint against American Express for failure to provide travel insurance coverage.
Product: Credit card or prepaid card

My credit card with Citi Bank auto payments were scheduled on XX/XX/XXXX. I had a family emergency and the auto payment to pay statement balance was charged {$5500.00}. I was unable to adjust the amount in time due to a large unpredictable emergency. I needed some of the money back and requested an adjustment or refund of the payment and they refused saying the payment was already processed. I am unable to get my money back and pay additional bills.
Product: Credit card

I received an email stating that I was pre-approved for a credit card. I then filled out the required information and received an email stating they were reviewing my information only to receive a letter saying that I didn't have enough credit. This resulted in my credit score decreasing whereas if it was left alone it would be constantly increasing.
Product: Credit card or prepaid card

A XXXX XXXX credit card service representative gave me false information about how the account effects my credit score, which resulted in my account being closed. Once I learned otherwise, I called to ask if the account could be reopened so I can improve my credit, and not only was I denied because they wanted to make me open a brand new account with a smaller credit line, but they changed my close date on the original account to the date of the phone call which added 4 years on to my credit report removal date. The credit company refuses to change it after several attempts being made through the 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Timeline : * On approximately XX/XX/2020, I received a letter from Arvest Central Mortgage ( " Arvest '' ) dated XX/XX/2020 informing me that the servicing of my mortgage had been transferred from XXXX to Arvest effective XX/XX/2020. The letter stated that my unpaid principle balance was for {$12000.00}. ( copy enclosed ) * I promptly sent a check for the amount of {$12000.00} to the address indicated for payments. 
* Check was returned * A statement, dated XX/XX/2020 was sent to me with the final payoff figures totaling {$12000.00}. I, again, promptly sent in another check with the amount indicated to pay off the loan. ( copy enclosed XXXX In a letter dated XX/XX/2020 I received a letter congratulating me on paying off my letter in full with a payoff date of XX/XX/2020. ( copy enclosed ) * On XX/XX/2020, my credit card company informed me that my credit score had suffered due to a " delinquent status '' as reported by Arvest coincidentally on the same date as my payoff date or XX/XX/2020. My credit rating dropped from XXXX down XXXX points to XXXX. 

*I promptly called Arvest the same date and talked with several representatives ( the one I started with was " XXXX '' ). I was informed that Arvest did not report to the credit bureaus and, in fact, were prohibited by law under the Real Estate Settlement Procedures Act " RESPA '' - the first I had heard of this Act. I was able to convince them that they did indeed do the reporting and was told the only way to " fix '' the mistake was to file a dispute. I promptly did and also filed a dispute with all credit bureaus, The initial delinquent status was removed but my credit rating did not recover to XXXX. 
* On XX/XX/2020, Arvest again reported me as delinquent ... ... I immediately called Arvest and they were as XXXX  as me ... perhaps more XXXX than founded ... ..I was told that they would immediately start working on it and that I would not have to file a dispute as they recognized that they had a reporting issue .... 
*Today is XX/XX/2020 - I just completed yet another call with Arvest and spoke with " XXXX XXXX who informed me yet again that there was no way they had reported it.. After encouraging her to read my file she put me on hold for several minutes and then informed that the person who was working on it " was away from his desk ''. 
*To summarize - Arvest is continuing to report me as delinquent on every scheduled payment even though 1 ) the loan was completely paid off on XX/XX/2020 as even they acknowledge by letter, 2 ) I STILL have not received my lien release ( they informed me it as in process ), 3 ) My credit rating has suffered severely dropping from the highest percentile to " average '' through no fault of mine, and 4 ) They are PROHIBITED BY LAW to report anything to credit bureaus within the first 60 days of transfer. 
I NEED HELP AS THEY ARE TO INCOMPETENT TO FIX THEIR OWN MISTAKES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a unverified account from a XXXX XXXXt # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I have never done business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure  maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.