23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXXTo Whom It May ConcernREF : Borrower requested cancellation of PMI and refund amount of excess PMI paid alreadyThis is in regard to the communication I have been having with NationStar Mortgage in regard to my PMI Cancellation requestBased on my PMI Disclosure statement which was provided to me when we ( my wife and I ) signed up on the closing of our house and obtained mortgage XX/XX/XXXX, it clearly states that, irrespective of the outstanding loan balance, my PMI should be immediately removed XX/XX/XXXX. 

The date for my principal balance of the loan to reach 80 % has already passed by, and I sincerely requested them to cancel the PMI payment immediately from the total amount of my monthly payments. 

In fact, as further stated in the document, the PMI will automatically terminate on the date the principal balance of my loan is first scheduled to reach 78 % of the original value of the property, based solely on the initial amortization schedule for my loan and irrespective of the outstanding balance of my loan on that date. This date is XX/XX/XXXX. 

The mortgage company told me to follow up with them after making the XX/XX/XXXX instalment, and I did contact them again in this matter. 
They are now responding that I still need to continue and pay PMI till 70 % of the original value of property. 
This is not right, since the PMI disclosure already has 78 % XX/XX/XXXX for PMI to be removed. 

Please look into my case and kindly take necessary action accordingly.
Product: Money transfer, virtual currency, or money service

Between XX/XX/year> and XX/XX/year>, I have been a victim of a multilayered scam operation orchestrated by a professional scammer, to whom I was sending the money and, who in return, sent me fake checks! I realized I was scammed after the first few checks bounced back, and as a result, this totally ruined my credit score. Money was transferred from my PayPal account in the total amount of XXXX USD utilizing their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX XXXX  / XXXX / {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan with XXXX XXXX XXXX yesterday online, and was approved. They told me to finish the process via telephone. During the telephone call they had me answer security questions, which I passed, but then at the very end they said they had to decline my application because I moved about 5 weeks ago and my new address was not yet on file with LexisNexis. I asked if I could go into the branch and show appropriate documentation like my government ID to verify my address, and they said no. LexisNexis said it was not what they had on file and solely because of that they had to deny my loan. 

I searched LexisNexis 's site on how to dispute my address and get it updated, and I found a document here : https : //consumer.risk.lexisnexis.com/img/Dispute_Process_Steps.pdf. The telephone address given for disputes regarding liens ( XXXX XXXX ) is an invalid extension. The number asks for 5 digits, and the 4 digit one on the document does not work. If you try to navigate the system, it just keeps putting you in circles to prevent you from talking to a human to place the dispute. 

LexisNexis appears to be actively trying to prevent people from disputing incorrect data that is affecting their financial wellbeing. I hope the regulators will persuade them to put a clear and functioning process in place for consumer data corrections, as their current conduct is harming the public interest.
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed and blocked as they are fraudulent. 1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX  Delete From My CREDIT REPORT 9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 12. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX for reporting my student loan on my credit report without my authorization, which I have never grantedeither in writing or in person. I contend that this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., because the permissible purpose for accessing and reporting my credit information was strictly limited to evaluating my creditworthiness for the initial loan application. 
XXXX. Lack of Any Authorization I did not provide XXXX or the Department of Education with any authorizationneither in writing nor in personthat permits them to access, report, or transfer my credit information. My consent was solely given to the original lending institution for the purpose of evaluating my creditworthiness to extend a student loan. 
Under 15 U.S.C. 1681b, any entity that accesses or furnishes a consumer report must have its own permissible purpose. Since I never signed or agreed to any separate authorization for XXXX, they do not have a lawful basis to report my personal credit information. 
XXXX. Unauthorized Transfer of Permissible Purpose My authorization to the original lending institution was narrowly defined for assessing credit for the loan. It does not extend to any third-party servicer, including XXXX. Transferring my credit information to them without obtaining a new, explicit consent is not permissible under the FCRA. 
Therefore, the act of reporting my student loan data by XXXX is conducted without the legally required permissible purpose. 
XXXX. Violation of FCRA Provisions and XXXX Rights The FCRA mandates that only those entities with a proper, documented authorization may access and report a consumers credit information. By reporting my loan without my explicit consent, XXXX is not only misusing my credit data but is also in violation of my rights under the law. 
Furthermore, if XXXX is unable to provide incontrovertible evidencesuch as a signed document or any form of verifiable authorizationproving that I consented to this reporting, they are obligated to remove all references to this account from my credit reports immediately. 
XXXX. Request for XXXX XXXX XXXX demand that XXXX immediately cease and desist from reporting my student loan data on my credit report unless they can provide legally valid proof of my authorization. 
If no such evidence exists, I request that all reported information regarding this account be removed from my credit files promptly, in accordance with the FCRA and relevant consumer protection laws. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and enforce compliance with the FCRA, ensuring that XXXX refrain from reporting my credit information without proper, documented authorization. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to   XXXX   an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that  XXXX  to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get  XXXX  to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since  XXXX  has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.
Product: Money transfer, virtual currency, or money service

I've requested evidence which Paypal supposedly has showing items were delivered to me from a " XXXX '' on or around XX/XX/, this person took two payments in the amounts of XXXX and XXXX, did not deliver the items. To date, Paypal has not provided or shown any such evidence. They instead refer to prior Papal accounts which are not mine, it appears a relative had these accounts, this person no longer lives here. The person, " XXXX '' is a scammer whom uses XXXX messenger app to lure people in as explained to several Paypal reps who took my claim, they claim they have " compelling evidence '' items were delivered electronically, one rep mentioned a bogus tracking number. There is no such tracking number that would show any item delivered via text, email, or otherwise. As you can see, their evidence is in fact bogus as they have not provided it to me. I believe they need to show this evidence, if not, refund the charges.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute inaccurate items on my credit report. I have provided sufficient evidence showing that the item is fraud. 
1. Synchrony Bank- submitted documents proving fraud occurred 2. XXXX- was never given the option to dispute purchase. XXXX did not allow me to dispute
Product: Debt collection

I have an account in collections that was fraudulently created. 

XXXX XXXX XXXX - XX/XX/2017 - {$75.00}
Product: Debt collection

I have two credit cards that were suddenly sold to a debt buyer known as Midland Credit Management Inc. I am here to state that the two original creditors, hereafter known as XXXX XXXX and XXXX XXXX XXXX  did not sell these two credit card debts. That is an impossibility since all credit card debts for both of these financial institutions securitize their debt portfolio into billion dollar plus securities agreements. Midland Credit Management is running a huge scam that is being pushed by national banks to offset losses on their quarterly 10Q filings with the Securities and Exchange Commission. Therefore, I need both of these collections rescinded immediately unless transfer from a securitized trust can be proved. Both financial institutions need to be brought up with sanctions by the Federal Trade Commission and the Consumer Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX
Product: Credit card

In XXXX, we ran XXXX ads using three company credit cards ( ending in XXXX, XXXX, XXXX ). Another XXXX ads account compromised all three cards ( one by one ) and used them to charge and run their own ads from XX/XX/XXXX to XX/XX/XXXX. 

The total fraud amount between the three cards is {$34000.00}. Fraud was challenging to detectit was not caught until XX/XX/XXXX when Chase flagged fraud via text message. Since we used all three credit cards to run our own XXXX billing, we did not see the excess charges until Chase flagged fraud- each charge looked like a standard charge from our XXXX XXXX. 

FIRST ALERT : On XX/XX/XXXX, I received a text message from Chase flagging fraudulent activity from XXXX on my credit card ( ending in XXXX ). I immediately called Chase, canceled the card, and requested that all fraudulent charges be refunded. 

On XX/XX/XXXX, I got another notification from Chase about our second credit card ( ending in XXXX ), flagging fraudulent activity from XXXX. I immediately called Chase, canceled the card, and requested that all fraudulent charges be refunded. 

On XX/XX/XXXX, our company deleted all credit cards from XXXX billing Manager and changed our ad spend to XXXX XXXX terms. I did not want to keep a credit card on XXXX during an open fraud case. 

XXXX instance of fraud : On XX/XX/XXXX, I signed into our Credit Card and found fraudulent activity from XXXX on the card ending in XXXX, which occurred from XX/XX/XXXX to XX/XX/XXXX. I immediately called Chase, canceled the card, and requested that all fraudulent charges be refunded. This third instance of fraud was not flagged by Chase. 

UNSUCCESSFUL RESOLUTION : I have since spent XXXX hours on the phone with Chase XXXX Chase first refunded the fraudulent charges. Then, they contacted XXXX, and XXXX denied the fraudulent charges. The charges were reinstated on our Chase credit card. I called Chase, requested an audit, and provided documentation of fraud. 

The first audit was unsuccessful ( XXXX again reported this was fraud on XX/XX/XXXX ). On XX/XX/XXXX, I requested a second audit and paperwork stating why XXXX denied the claims. 

On XX/XX/XXXX, I received a letter from Chase with a simple statement : XXXX denied the fraud claim due to its " Terms and Conditions. '' Our operations XXXX spent XXXX hours on this case. I have spent XXXX hours on the phone with Chase and countless hours with XXXX trying to resolve this. 

As a XXXX XXXX XXXX, I am bounced between XXXX large corporations- XXXX XXXX XXXX ) and Chase XXXX and unable to progress. 

How can XXXX legally deny this fraud case, alongside our evidence of XXXX terms?
Product: Debt collection

I Contacted this company to send me a validitation letter of the debt they are trying to collect. They send me all the payment information, who the debt is owed to, but they never send me a an agreement with my signature that I owe this company anything. 
I would like them to send me a purchase agreement with my signature.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 60 days 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.

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to file a formal complaint against Experian for failing to properly investigate and remove fraudulent items from my credit report. Despite providing Experian with detailed and accurate documentation proving the fraudulent nature of these accounts, Experian has repeatedly claimed that the reporting is accurate without conducting a thorough investigation. This lack of due diligence is unacceptable and has caused me significant financial hardship. 

I have made multiple attempts to resolve this issue by submitting proper documentation, including [ FTC identity theft reports, proof of address ]. These documents clearly demonstrate that the accounts in question do not belong to me and are the result of fraudulent activity. However, Experian has failed to take appropriate action and continues to report these items inaccurately. 

The impact of Experians negligence has been devastating. The inclusion of these fraudulent accounts on my credit report has resulted in [ denial of credit, higher interest rates, or inability to secure housing ]. This ongoing damage to my creditworthiness has caused me undue stress and financial strain. 

As a consumer, I have the right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). Experians failure to properly investigate and address my dispute constitutes a violation of these rights. If this matter is not resolved promptly, I will have no choice but to pursue legal action to protect myself from further harm. The damage caused by Experians inaction has already been significant, and I am prepared to take all necessary steps to hold Experian accountable. 

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure Experian fulfills its obligation to investigate and rectify these inaccuracies. I am seeking the immediate removal of the fraudulent items from my credit report and a confirmation of this correction in writing.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

BMO stated I need a hold harmless to release my funds, I provided documentation multiple times proving that my funds were legitimate. There is no reason that I am suffering to regain control of my funds in this manner. Im attaching multiple images from XXXX stating that BMO Harris is responsible for reaching out to them from a financial institutional stand point regarding a hold harmless letter. I have reached out to the Federal Bureau multiple times about this situation at this point I feel as though BMO HARRIS is asking for something they know I wont be able to receive, just to confiscate my money. I am a business owner this has impacted my business in multiple ways, I am now homeless due to the incompetence of this situation and lack of asking for more documentation. There is no reason my money should be going to uncollected claims when I showed proof of the check from XXXXXXXX XXXX and I also attached a letter of XXXX XXXX stating BMO HARRIS would have to ask for a hold harmless letter from XXXX XXXX and not me as a individual.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Good Evening XXXX or Southwest Credit Systems Rep ; How are you? Listen, I was actually shocked today when my loan officer pulled & reviewed my credit report and noticed that on my a {$260.00} XXXX Collection account that I wasn't aware of and never received any prior notification. After talking to several representatives today, they mentioned that it was from a last bill or equipment that I didn't turn in after the cancellation. I don't recall having any bill or issue with XXXX, however, I didn't want to waste any more time with this negative item on my credit and the Rep agreed that once the full payment of {$260.00} paid and cleared they will demand the credit bureau, XXXX, XXXX, and XXXX to DELETE or remove the trade line from my credit report. I've gone ahead and attached the receipt showing that it was paid as agreed and I would appreciate if it can be removed sooner because I'm under an agreement to close on this new house for my family here in XXXX MA. Thank you in advance and please reach out if anything.