23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I obtained my mortgage -origination- in XXXX, and since that time I have been paying the home insurance PMI until today thru 3 mortgage companies, the current one is Midland Mortgages XXXX 
I asked the company to cancel the PMI since I meet the conditions, but they refused and arguing that the loan first originated in the year XXXX. ( since the time I switched to them ). 
I do not know why they are citing incorrect reasons, especially since all criteria that allow me to cancel the insurance are met. No late payments and the market price of the house is {$550000.00}, and the remainder in the loan is {$260000.00}. In addition, Thank you very much for the help. 
Please help me with this matter. Thank you very much.
Product: Debt collection

This bottom feeder debt collection agency which purportedly purchases debts for pennies on the dollar is attempting to collect an alleged debt. The alleged debt is time barred from any credit reporting which they should already be aware of. Furthermore, I received a letter dated XX/XX/2023 from this company. By way of this complaint, the business is to cease and desist all communication tactics. Reference number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my report updated that I do not owe XXXX XXXX after we have settled the account. It is still reflecting on my credit report.
Product: Vehicle loan or lease

I had an auto loan with American Credit Acceptance. This loan was paid off on XXXX. There was an overpayment of {$77.00}. I also canceled GAP insurance and a vehicle service contract which caused additional payments to ACA in the amounts {$220.00} and {$630.00}, respectively. Those payments show a having posted on XXXX. That money should be returned to me. 

After waiting a few weeks, I contacted ACA to inquire about the refund. I called at the end of XXXX and was told that the refund check had been mailed to me on XX/XX/2023 and that I should continue waiting on it. Was also told that if it had not been received by XX/XX/ to call back and they would re-issue the check. Called on XX/XX/ and spoke to a supervisor ( XXXX ) and was told that she would escalate the matter. Called back on XX/XX/ and asked to speak with XXXX or another supervisor, however neither would take my call. The representative I spoke with told me that my refund was mailed the previous week to my home address. He said payment was in the form of a debit card that I " could use at an ATM ''. Said it would be delivered today ( XXXX ). I checked my USPS informed delivery and there is no mail from ACA. These people are rude and they are unwilling to refund my overpayment. I want my refund. The account status shows as CLOSED however there is no transaction listed in the account history showing the excess funds being returned to me.
Product: Debt collection

Below is what I have been able to learn from 1 ) ACIMA and 2 ) third part debt collectors Date : XX/XX/year> Amount : I do not know the amount. 
I belive it was initially less than {$1000.00} but now multiple debt collectors are contacting me and they say it's XXXX XXXXXXXX dollars Purchase/lease : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ACIMA lease # XXXX
Product: Credit reporting

I sent in a police report, Identity Theft Report and proof of my identity, name, address, and Social Security number. Explained which information on your report came from identity theft. And instead of blocking the items, they put them in dispute along with other accounts I did n't ask to be blocked. When I called in a lady in their fraud department said it is up to the creditors to remove the data, not Equifax which is not true at all!!! 
I only asked for these XXXX items to be blocked : 1. ) XXXX XXXX BANK XXXX XXXX # XXXX 2. ) CREDIT XXXX BANK # XXXX 3. ) XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to raise concerns about Zelles handling of disputes and its lack of consumer protection. Despite reporting issues with transactions, my financial institution and Zelle failed to investigate my claims thoroughly. I was told it was not possible to recover my funds or trace the transactions. Additionally, recent findings from the CFPB lawsuit highlight systemic issues within Zelle, including inadequate safeguards against scams and repeated misuse by offenders. This lack of accountability and transparency is unacceptable and puts consumers at significant risk.
Product: Credit reporting or other personal consumer reports

See attached, Identity theft report as well as police reports are attached Delete the following fraudulent accounts. I am requesting a 4 day block and delete due to identity theft XXXX XXXX XXXX  {$370.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1900.00} {$2300.00}
Product: Credit reporting or other personal consumer reports

I checked and reviewed my credit report and fraud accounts have appeared on my credit report Please Remove from my report as they are inaccurate and fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made disputes to XXXX to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation from the collection agencies and made multiple disputes with XXXX, including an XX/XX/XXXX dispute through the CFPB about XXXX not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the XXXX XX/XX/XXXX dispute investigation. XXXX confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher. Sadly, they responded to XXXX  by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem to have indicated that nothing else matters, including the privacy of my medical information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA XXXX XXXX XXXX everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX - {$10000.00} XXXX XXXX XXXX - {$16000.00} XXXX XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX - {$280.00}
Product: Checking or savings account

I disputed a transaction with PNC Bank. The company XXXX is a third party hotel booking service. The motel I was supposed to stay at would not let me stay so XXXX tried to get me my money back. They were not successful in reaching the motel manager. They advised me as well to file a dispute with my bank. XXXX reached out to me on XX/XX/XXXX and told me that it was settled in my favor and I would get {$61.00} back. When I call PNC they tell me that they never received the money and they're still investigating it and they have 90 days. I feel that PNC is doing this to everybody that files a dispute. Normally the disputed company is not so forthcoming with information. In this case they were. I believe PNC is reaping the interest benefits and then waiting till the 90 day Mark and then giving people their money back. They have been nothing but rude to me and just repeating we have 90 days.
Product: Mortgage

Pls see complaint # XXXX. Home Point Financial has not as of yet refinanced mortgage loan. Last time I spoke to the loan processor who was handling my case ( 2 weeks ago ), I was told everything was all set and should be closing on the loan within about a week. Now I just received an email from the company stating that a new loan processor has been assigned. This person just informed me that some of the paperwork they have already requested several times and I have provided every time have expired ( including the rate lock ) and I need to provide yet again. She also explains to me that she will need to contact upper management to " see if '' they can override the rate and keep it at what was originally agreed upon, but had expired due to their delay tactics that has kept me in this process since end of 2020 costing me thousands of dollar in interest in process. I believe this company home Point Financial is purposely delaying this process for financial gain.
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. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account at Curacao under my name in XX/XX/XXXX. It showed up on my XXXX report XX/XX/XXXX. I tried to reach the company directly to report fraudulent activity but I cant get a hold of anyone. I keep getting the run around and I dont know what else to do. My credit score has already dropped drastically. I will file a police report not only for the acccount being created but for the company not responding as well. I need help!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash App ( Block , Inc. ) due to 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 prevent 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: Mortgage

We were sold by XXXX to a servicer called XXXX in XXXX. That servicer joined another company and changed its name to XXXX XXXX. in XXXX. This is when our troubles began. XXXX/XXXX   stated that they would be starting an escrow account for us because they alleged we had not paid property taxes. We should proof that these taxes were already paid and the company persisted anyway and started and escrow account increasing my mortgage by {$400.00} then added insurance ( forced placed ) which increased our mortgage by another {$200.00}. The company has refused to remove the escrow even after proof of their error was delivered to them as requested. Soon we could not make out mortgage payments. A QWR was sent to the lender and it was found that the note which is the basis of our mortgage was a forgery dating back to XXXX. XXXX XXXX then made forged documents claiming they were the servicer in XXXX when in fact the company did not have anything to do with us until XXXX when they partnered with XXXX and took over our loan. They have since sold the loan to XXXX XXXX in XX/XX/XXXX. We did a QWR to them also and not more than two weeks after receiving the documents and learning of the fraud the sold the loan to Konduar Corporation. I have sent this company a QWR request and found that XXXX XXXX has just within the past week submitted an assignment of the mortgage to KONDUAR claim ownership of the loan. Please note our original loan on the home was not in XXXX but in XXXX for the amount of {$170000.00}. The current loan when we left XXXX was XXXX some 18 years later. We have been informed that the home in XXXX was upside down in valuation. approximately XXXX we did not borrow XXXX on the home and the mortgage not is a fake document. besides no back would have made such a loan with a house upside down. The lawyer XXXX XXXX in prison for fraud on home loans and was the initial lawyer for our loan. Still, the current loan in XXXX XXXX claims to have been our servicer. This is a lie .... Now the company is threatening to foreclose on out home after 18 years of living there. we coudl use some help in this.
Product: Mortgage

I requested and paid {$420.00} to Flagstar bank to facilitate an appraisal on my property. The appraiser spent 15 minutes at my house and a couple days later submitted an error riddled report that reflected both a failure to perform the due diligence required in an appraisal as well as basic mistakes in measurements and calculations. The most glaring mistake was in the recording of the square footage of my house. The appraiser left out XXXX square feet from my XXXX square foot house. This resulted in choosing less comparable homes as well as undervaluing the comparable homes chosen by {$4500.00} to {$6000.00}. When the square footage was corrected the appraiser refused to change the opinion of value even though XXXX of the XXXX comparable homes used in the basis for his opinion, increased in value from {$4500.00} to {$6000.00}. When correcting the square footage error, Cost Approach method increased by nearly {$16000.00}. In addition to the square footage errors, the appraiser failed to account for the increase in market value from the sale date of comparable homes to the date of my appraisal, in XXXX case a period of eight months. I provided three separate letters detailing the errors and omissions committed, and none of the responses addressed more than one of the issues I addressed in the letters and none addressed the inconsistency in the comparable values and impact to the Opinion of Value. Flagstar bank claims to have its hands tied and has been unwilling to facilitate an accurate and error free appraisal.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XX/XX/XXXXXXXX Balance : {$170.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$820.00}XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX ( Original Creditor :XX/XX/XXXX ) XXXX {$300.00}
Product: Student loan

I made a payment in full for the loan amount on XX/XX/year>. However, as of today, XX/XX/year>, the payment has not been applied to my account/loan. My account continues to incur interest and is in forbearance. I have called Mohela every month and spoken with a representative. Each representative has confirmed they see my payment in their other system. However, they have not applied that payment to my account. I also sent on XX/XX/year>, my bank statement as proof that the full loan amount was submitted and accepted by the Department of Education. I was reassured by the representative, XXXX, a manager in the Resolution Department, that the payment would be applied to my account by the end of the week and an official letter would be sent to me as a confirmation. I have not received either and I continue to receive notification in their system regarding what I owe. It is not legally right that Mohela/Dept of Education has taken my payment but not applied it to my account. I want this resolved. I have applied to XXXX XXXXXXXX and the ramifications to my future goals and career are in jeopardy because of this. If I do not receive a timely response and resolution and I will begin legal proceedings.
Product: Debt collection

Since AARAGON AGENCY INC has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can bully me into something I didn't do as I was in jail when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me.
Product: Credit card

I opened an American Express Blue Cash Everyday credit card XX/XX/XXXX, through the American Express website. The credit card offer disclosures promised that I would be given a {$250.00} statement credit if I spent {$1000.00} on the card within the first 90 days of opening. The credit was promised to be given 6-8 weeks after the spend qualification was met. I satisfied the spending requirement just eight days after opening my account, but it has now been almost three months since and I have yet to receive the promised statement credit. This seems like a gross violation of regulations prohibiting unfair, deceptive, and abusive acts and practices ( UDAAP ). Specifically, American Express failed to deliver on an advertised promise. An established financial institution such as American Express should continuously be validating that every customer who has met the spend requirement has been given the promised reward, without fail. Clearly American Express is not doing such rigorous validation, as my reward was not paid out during the promised window of 6-8 weeks. Consumers should be wary of opening American Express credit card accounts where rewards are promised, as there appear to be gaps at American Express in delivering on those promises. Even after contacting the company to inquire about my reward, and the customer service agent acknowledged that indeed my reward had not been paid out despite my meeting the spend requirement, I was told that an investigation would need to be conducted and would take another 7-8 days before any further action ( if any ) would be taken by American Express. If it was obvious to the agent that the reward delivery had been missed, it seems like the agent should 've given me the statement credit immediately. The additional delay seems unnecessary.
Product: Credit card

I made a payment equivalent to half of the credit limit and have been unable to use my card. I called Discover regarding the trouble using my credit card and was informed that they needed me to give them access to my tax filing information through a credit reporting agency. I informed them that I have never heard of such a thing from a credit card company. They informed me that if I didn't give them access to my tax records, then, they are going to close my credit card. Since, the account is not closed, but, I can not use the card for anything. They are still sending statements requiring payment, however, I am not able to use the credit card. This was not required to open the account and it has put me in a financial hardship.