23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I XXXX XXXX made a phone call to XXXX XXXX XXXX to take care of a debt that I incurred from XXXX XXXX XXXX in the amount of {$850.00}. At the time of speaking with the debt collector they set me up with two separate payments which was requested by me. On XX/XX/2020 I made a payment of {$420.00} and then of XX/XX/2020 I made the second payment via an auto draft from my bank account of {$420.00}. On XX/XX/2020 when I made the first payment I asked the debt collector representative that was taking my payment that once I made the final payment would there be something sent to the creditors on my behalf to remove or delete as that was what I requested and they said yes once the final payment had been received. They also informed me that they will automatically mail me out a letter stating that it had been paid in full. Once I made the final payment on XXXX XXXX and I did not receive anything in mail after a week I called the debt collector and asked them why I had not received anything in mail and thats when they told me that I had toc all and request that. I explained that the last representative that I spoke with did not tell me that I needed to call in however, she stated that it was something that they automatically did. To my surprise I did not get accurate information. Also, to have it removed or deleted the representative told me that it was something that was available upon request which I did request However, only to find out that this has not been removed or deleted from my credit. The last report showed that it was indeed paid in full but also as an active account which is not the truth. According to my research this is a UDAAP violation when there is Deceptive Acts of Practice which was very misleading for me and an very unnecessary process to do the things that I need to do.
Product: Mortgage

On XX/XX/XXXX, we requested Roundpoint to remove our PMI, and requested an appraisal to be done. Being a licensed XXXX XXXX, I am aware of the current comparable sales in the community and was confident that our property would appraise at a point where it would meet the LTV to at least 80 %, given the upgrades we had done. 

On XX/XX/XXXX, an appraiser came to our home to do her appraisal. 

On XX/XX/XXXX, we received a letter from Roundpoint that our request to remove PMI was denied due to the LTV based on the original and current property value does not meet the agency/investor eligibility criteria. It also noted that the principal balance of our mortgage loan has not reached 80 % of the original value of the property. Based on the appraisal, our home was valued at $ XXXX, which is lower than what we anticipated, with a loan balance of $ XXXX. A similar home ( same plan ) backing a street with an upgraded backyard, which we also do, sold at $ XXXX, and another home with the same plan sold at $ XXXX. Our home should have appraised at $ XXXX at a minimum. I called the lender and requested a copy of the appraisal, since I would like to dispute the value it was appraised at. I was told that I should get a copy electronically within an hour. Days passed and did n't get a copy. 

On XX/XX/XXXX, I called the lender twice and requested an electronic copy of the appraisal explaining that I never received a copy from my original request. I was told that I should get it within 48 hours and not after an hour as I was told previously, since it needed to be requested from a 3rd party. I waited and waited, but nothing was sent in my email. 

On XX/XX/XXXX, I called the lender again and mentioned that based on our recent mortgage payment in XX/XX/XXXX, our loan balance has dropped to $ XXXX, and with the appraised value of $ XXXX, we should be able to get our PMI removed. I was told that it could not be removed because it does not meet the agency/investor eligibility criteria of LTV at 75 %. From the time we signed our loan documents for the purchase of our home in XX/XX/XXXX, the PMI was disclosed to be removed when we reach LTV at 80 %. Mortgage servicers must give borrowers an annual statement that shows whom to call for information about canceling mortgage insurance, but we do n't remember having received anything form Roundpoint regarding a requirement of 75 % LTV. This lender was not the original lender we obtained the loan from. It was sold to them shortly after we closed on our purchase in XX/XX/XXXX, from XXXX XXXX XXXX, followed by XXXX, and finally, we ended up being serviced by Roundpoint. 

We are therefore requesting assistance to get Roundpoint to remove the unnecessary PMI from our mortgage payment, as they are currently basing the eligibility from the agency/investor criteria, instead of what we were told when we obtained mortgage loan. Additionally, Roundpoint has not provided us with a copy of the appraisal report, as requested.
Product: Mortgage

Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with Bank of America due to negligence from XXXX XXXX, title company and Bank of America. 

" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXX : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the titlle to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Page XXXX.The mortgage to XXXX was eventually assigned to XXXX XXXX Bank XXXX Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said Registry in Book XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XXXX XXXX and XXXX, XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX XXXX not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts XXXX XXXX Court in the case of XXXX XXXX XXXX XXXX, Trustee vs. XXXX XXXX XXXX and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale XXXX and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in XXXX XXXX. XXXX XXXX who bought the property from XXXX XXXX XXXX of XXXX.
Product: Credit card

I'm unable to use my Avant credit card for purchases. Every time I called Avant, they always telling me they system is updating after I go through the verification process, and it does not matter what time I called. When I go to their website page and after I sign in, I get this error. Oops! We've encountered an error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX J # XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Credit Reporting Agency Subject : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX account that was previously reported on my credit report on Equifax. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights. 
I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for willful or negligent noncompliance. 
Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report with Equifax and they my credit score is a XXXX, which should much higher. The balances reported on some of the creditor 's information is wrong and have not been updated. If I work hard to get my credit to a point to someday buy a home, The credit companies that report scores and credit reports should report as accurate as possible or don not report at all. If i am always held in the low XXXX 's, I will spend a lifetime struggling to get a home, as many of the people in the world. I need them to review and upgrade my credit score or I will organize a class action suit against this company, by petitioning others to join the suit to get a reasonable solution.
Product: Credit reporting 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. 

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 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 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 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 card or prepaid card

in 2019 BBVA BANK did not renew my card upon expiration. the reason for closing my visa credit card account that was never late was that i had a few cards max out around that time. i explained i am a business owner and i XXXX XXXX  and it is common for m debt to go high and then go back down upon closing a project and receive payment. 30-60 days prior to this decision by BBVA i also paid off a unsecured personal loan of $ XXXX that was open a little over a year .... i did bring this up to the rep making this decision and that did not matter. within the last 8 months they have disabled my account login which had an external business checking account attached so that i can make payments from anywhere since the BBVA BANK locations are not in all states or cities so that makes it difficult to make payments in person unless i am in texas. disabling my log in access has also restricted e from seeing my balance amounts and payment dates or minimum payments due. i am on hold right now for the third time today while creating this complaint with ftc because i can not reach an in states representative that can understand my attempt to make a payment. they keep repeating what i say back to me without resolving my payment processing issue and i have asked several times for an account supervisor or someone in the states to speak with. i am in XXXX florida this past 5 weeks and there are no BBVA branches in the city of XXXX or in the XXXX  florida area. the overseas call center in XXXX just leave you on hold or taunt you by reapeating and stretching out your call as long as possible. so i can not log in to pay my payment because BBVA disabled my login on my credit card that was closed by BBVA and i can not get an in states rep or supervisor to make a payment over the phone for a closed account. yet they want a late fee for a payment they make it impossible to make for an account they closed and blocked log in access to.
Product: Mortgage

Our mortgage was being serviced by XXXX XXXX, they transferred mortgage to Home Point Financial Corporation effective XX/XX/XXXX. I sent my payment electronically through my bank ( XXXX XXXX XXXX ) payable on XX/XX/XXXX. Electronic payment was sent to Home Point and my account was not credited. I contacted Home Point via email and customer service telephone number ( XXXX XXXX XXXX ). I was asked to prove payment. I sent copies of my bank statement showing the payment effective on the date of XX/XX/XXXX. I was told that they do not accept bank statement as proof of payment. i went to my bank and had them fax proof of payment to Home Point. I received an email stating that they received my proof of payment and to allow 24 to 48 hours for my account to update. I waited over 48 hours and checked my account and the payment was still not posted. I contacted customer service again by phone and was told that the check they received was not legible and they sent it back to the bill payment processing center. I spoke to the Payment Processing Center, case number XXXX. I was told, and I have proof, that the money was transferred electronically. I will scan and attach documents from payment processing center and also email sent by Home Point Mortgage to me. They continue to deny that they received payment for our XXXX payment and now are demanding double payment for XXXX. Please advise as to how I should respond to this. Do I double pay in XXXX and wait for a refund?
Product: Student loan

I attended XXXX AL location from XXXX and took out a PEAKS private loan with the school as they made it seem that was my only option to receive financial clearance in addition to my federal student loans. The school electronically signed most of our financial aid documents without our knowledge. They would call us into the office and tell us everything was already filled out and to agree to terms etc. I am still struggling to pass my XXXX graduation nearly 2 years ago now. I never did trust the school with my financial aide because it was all so under the table and pre-filled out. At this point I am drowning in interest from all the loans I have had to take out to receive my education from XXXX and I do n't feel it is fair for a school that is known for its fraudulent techniques with money to continue to be able to make money from me long after they filed bankruptcy for fraudulent reasons and closed down.
Product: Credit card or prepaid card

The Citi Dividend XXXX XXXX, like many other cards, offers 5 % cash back on merchant categories which change quarterly. Each quarterly offer is in effect for three months. Typically customers can activate each new offer at least 15 days BEFORE the quarter begins.

Sadly, for multiple quarters, Citi has kept customers from using the full three month offer by delaying signup availability until well after the quarter begins. Today, XX/XX/XXXX, Citi 's signup page at https : //www.citi.com/credit-cards/dividend-quarterly-offer still displays the offer that ended XX/XX/XXXX, despite multiple refreshes using different browsers and platforms. My wife has noticed similar delays every quarter for at least the past year. This despite the claim on the attached screenshot that registration opens XX/XX/XXXX for the quarter beginning XX/XX/XXXX. Unlike other card issuers, Citi also states in the fine print that " the offer starts within two business days of when you enroll '', potentially further extending any delay.
Product: Debt collection

Starting in XX/XX/XXXX we started to receive emails from a XXXX account stating we had a past due balance. I was able to check our account and I could not find anything past due so I figured this was a phishing scam. We continued to receive emails from this email account ( XXXX & XX/XX/XXXX ). 

XX/XX/XXXX we received a collections letter from XXXX. At this point I contacted XXXX to insure this was not an actual bill. Case # XXXX was created by XXXX and XXXX ( support ambassador for XXXX ) was able to confirm that this was not an actual bill from XXXX that they are trying to collect. 

We reported this scam to the FTC XX/XX/XXXX. 

Yesterday ( XX/XX/XXXX ) I received a new email from Caine-Weiner trying to collect this bill. 

All documents have been added for reference.
Product: Checking or savings account

Capital one continuously pulled automatic payments out of my accounts when it was pretty clear that the transactions were being returned simultaneously and they continued to hit my account with charges. Same with the credit cards Ive had with them for years. My payments were always made and I lost my job due to XXXX XXXX and finding another source of gainful employment was impossible due to several businesses being out due to damages. Ive attempted several time withof my auto loan company ( not capital one ) and credit cards I have over these issues and no one has been understanding or really caring for that matter. Now, the credit I worked hard on building is all gone and Ive even tried to call and make arrangements to fix the damages and pay on the accounts .... still nothing. Now, I cant even link my existing accounts to my capital one accounts to be able to have access to my funds and make payments. Im so overwhelmed and I feel like Im never going to get out of this hole!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Cease and Desist Demand and Request to Correct Inaccurate Reporting To Whom It May Concern : I am writing to formally demand that you immediately cease and desist from reporting inaccurate information on my credit report. Specifically, the information in question includes a derogatory mark of XXXX XXXX, as this account has been closed, yet it still keeps recurring on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX, Account type Credit Card, has been charged off, yet you still are reporting this account as OPEN. These inaccuracies have cause significant harm to my creditworthiness and financial stability. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq., I have the right to dispute any information that is incorrect, or unverifiable, and I expect a timely and thorough investigation. Despite previous attempt to resolve these inaccuracies, they remain unaddressed, which constitutes a violation of my rights under the FCRA. 

Furthermore I am aware that XXXX an XXXX is currently being sued by the Consumer Financial Protection Bureau ( CFPB ) for noncompliance with the FCRA and other consumer protection laws, including mishandling consumer disputes and providing misleading information. This lawsuit highlights XXXX 's ongoing failure to comply with legal obligations to correct and report accurate information. 

As part of this demand, I request the following ; I'd like a XXXX XXXX XXXX. I'd also like a Chain of Assignment. 

1. Immediate correction from all bureas or removal of the inaccurate information from my credit report as required by 15 U.S.C 1681i ( Investigation of Disputed Information ) 2. Cease and desist from any further communication with me, except as required by law or to confirm the resolution of this matter. 

Failure to address this matter within thirty days of receipt of this letter will leave me no choice but to escalate my complaint to the CFPB and pursue any additional legal remedies available to me under the FCRA. 

Please provide written confirmation of your compliance with this demand with the stated timeline. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I had contact CHIME on XX/XX/XXXX to open a dispute regarding a purchase that i made with XXXX  XXXX. I never received my package. XXXX XXXX dont want to give me a refund back. CHIME took over a month and half to just tell me they denied my dispute. Every time I contact them they tell me the same thing that they need evidence of my package no been delivered and to also email it to there support email. I did it already, they still choice to no help me get my issue solve. I provide them all the evidence they could need, I even have video of prove from my front door that my package was never deliver to me to my address. I work to hard for my money for them to let a merchant scam me.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLEGED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX DEAR TRANSUNION, I AM DISPUTING THESE TWO ACCOUNTS AND REQUESTING A 1099C FORM FROM BOTH COMPANIES. THESE ACCOUNTS ARE LISTED AS A NEGATIVE ITEM ON MY CREDIT REPORT AND SHOWING AS A WRITE OFF. ACCORDING TO THE LAW THIS IS ILLEGAL AND I WILL BE REPORTING THEM TO THE IRS. THE COMPANY HAS ALREADY WRITTEN OFF THE DEBIT SO IT SHOULD NOT BE REPORTING AS A NEGATIVE ITEM AND THIS IS CONSIDERED FRAUD. THESE COMPANINES ARE VIOLATING FCRA 15 USC 1681EB FOR REPORTING INFORMATION THAT IS NOT 100 % ACCURATE. I AM REQUESTING 1099C FORM 15 DAYS FROM THE DATE SENT AS I HAVE ALREADY CONTACTED AND REQUESTED 1099C FORM FROM THE COMPANINES WEEKS AGO. 

XXXX XXXX ACCOUNT WAS PAID IN FULL AND ALSO LATE FEES WAS REMOVED FROM THIS ACCOUNT. I WAS INFORMED THAT THIS WOULD BE UPDATED AS THE BALANCE IS INCORRECT, THE ACCOUNT STATUS IS INCORRECT AND THIS IS ALSO SHOWING AS A WRITE OFF THAT IS REPORTING AS A NEGATIVE ITEM AND IS ALSO TAX FRAUD.

I AM REQUESTING THAT THIS IS INVESTIGATED AND UPDATED/REMOVED FROM MY CREDIT REPORT. TRANSUNION HAS BEEN LYING TO ME SENDING THE SAME AUTOGENERATED EMAILS AND LETTERS STATING MY ACCOUNTS HAVE BEEN VERIFIED WHEN THEY INDEED HAVE NOT. I AM REQUESTING THIS INFORMTION TO BE UPDATED OR REMOVED 15 DAYS FROM THIS DATE AS I HAVE ALREADY SENT OUT LETTERS TO THESE COMPANIES WEEKS PRIOR. IF THIS INFORMATION IS NOT UPDATED/REMOVED IN 15 DAYS I WILL BE SUING TRANSUNION AND REPORTING YOU ALONG WITH THE OTHER COMPANIES FOR TAX FRAUD.