23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/year> : I reached out to my mortgage servicer NewRez to start the borrower initiated PMI removal process. 
XX/XX/year> : Servicer representative formally requested removal of PMI with servicer. 
XX/XX/XXXX- XX/XX/year> : I paid the {$190.00} fee via check for the broker price opinion ( XXXX  ) required for borrower initiated termination. 
XX/XX/year> : Received XXXX  letter from NewRez stating they are the owner of my loan. 
XX/XX/year> : XXXX performed XXXX inspection of my home. 
XX/XX/year> : XXXX  report created and submitted to mortgage servicer stating estimated value of {$490000.00}. 
XX/XX/year> : Mortgage servicer sent me a letter stating removal of PMI is not possible because XXXX ratio is not below 70 %. My mortgage closing documents state 80 % XXXX ratio is required for borrower initiated PMI termination. At this time, my XXXX was 76.1 %. 
XX/XX/year> : I called mortgage customer support to request a review of the PMI termination request and received a case number. Using their online document upload portal, I provided a scanned copy of my right to cancel PMI document from my mortgage closing packet along with the XX/XX/XXXX XXXX report showing estimated value of {$490000.00} referencing the case number. I didn't hear back from the mortgage company. 
XX/XX/year> : Received boilerplate letter from NewRez stating they are the owner of my loan. No context given regarding this inquiry. 
XX/XX/year> : Received boilerplate letter from NewRez stating they require additional time to respond to my inquiry. No context is provided. 
XX/XX/year> : I called mortgage customer support to follow up on the case number. They advised me that I would need to restart the PMI termination request process. I pushed back stating this was already performed in XXXX, but they didn't give any other option. 
XX/XX/year> : A representative from Fannie Mae contacted me to schedule an interior valuation report with an inspector ( XXXX  report ). I asked for a few days so I could speak with the mortgage servicer before scheduling any inspection since I already went through this process in XX/XX/year>. 
XX/XX/year> : I called mortgage customer support to follow up on the XX/XX/XXXX and XX/XX/XXXX requests. They were unable to remove PMI based on the existing XXXX report due to the incorrect 70 % XXXX requirement. I requested a review of my XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XXXX XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal credit account opened at XXXX on XXXX XXXX under the account number ( private ), A personal Credit account at XXXX and XXXX collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief )
Product: Debt collection

I trust this letter finds you well. I would like to inform you that, as of my recent reviews, the fraudulent accounts reported to other credit bureaus have been successfully removed. However, it has come to my attention that the same fraudulent accounts still persist on the credit report under your jurisdiction. XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. I expect transparency, reliability, and prompt action in addressing such matters. 

However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

American Express is stating that I have an unpaid balance due, but they also stated they have adjusted the balance because they did receive the payment. The balance due is actually an interest dividend payment due to me in the name of XXXX XXXX XXXX. I have requested the payment due to my legal name, be applied back into the account. Redemption of payment were made by the bills and payments coupons ( negotiable instruments ) via USPS Registered Mail to American Express XXXX XXXX in XXXX, CA and to their Investor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX NY . American Express is not acting in the best interest of the XXXX XXXX XXXX XXXX. By withholding access to my credit via the access device card provide, is causing emotional, mental, physical, phycological & financial stress. I had to quit Culinary school, miss medical appointments and lost my job because American Express began restricting my card after trying to force me to make specific types of payments. Based on American Express 's Prospectus filings with the SEC, they made a firm offer of credit but have failed to uphold their offer, after receiving my initial investment of an asset backed security which was the application that they are trading on the secondary market. Obligating the public to pay a debt of a bank or corporation is illegal and goes against public policy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/XXXX via telephone I spoke with supervisor XXXX ID # XXXX and explained that I mailed a certified letter to Equifax and it was received on the XX/XX/XXXX requesting you methods of verifying the information that I disputed. I explained to her that I had been told that the Bankruptcy on my report was verified by the Courts on XX/XX/XXXX by a rep from your company via phone ( which I have recorded and XXXX verified by looking at my report as well ) so I reached out to the courts and they gave me a letter stating that they do not and have not communicated nor verified ANY information with any credit reporting agencies. 
On XX/XX/XXXX I believe, I spoke to another rep XXXX who told me that the same information was verified by XXXX XXXX. So I reached out to them on XX/XX/XXXX. They said via telephone and letter stating that they have NOT shared my information with any agencies either due to my report with the FTC my information was locked as per my request in XXXX. 
Also in my letter I disputed an address ( XXXX XXXX XXXX XXXX, XXXX ) which I have NEVER lived at nor been too. As I have stated to you reps ALL the accounts listed in this fraudulent Bankruptcy are reporting this same address. I also told them that I had filed a report in XXXX when I noticed these errors with the FTC report # XXXX regarding Identity theft based on these accounts. You removed the address from my report. 
As per the FCRA you are required to remove any and all information that can not be verified truly. Also by law you have 15 days to get your response to my letter requesting your method of verification. As of XX/XX/XXXX I have NOT received any communication from Equifax regarding your verification methods which you received from me via certified mail on XX/XX/XXXX. This too is a violation of the FCRA. 
As I have enclosed copies of both letters and proof of my identification there should be no more problems removing this Bankruptcy from my report as if is not mine nor have you verified it in any actual way. 
Like I stated to XXXX your representative, Equifax has violated the FCRA three times regarding this issue that I have proof of. 
1. Lying to me via recorded telephone call that the Court has verified the Bankruptcy 2. Lying to me via recorded telephone call that XXXX XXXX has verified the Bankruptcy 3. Not responding within 15 days to my method of verification request.
Product: Credit card or prepaid card

In XX/XX/XXXX, my husband and I borrowed money to pay off several credit cards. The company we borrowed from ( XXXX XXXX  ) paid several of the bills themselves, and then sent me cash to pay others. Afterwards, I checked to see what cards were paid. I did not see the amount that I owed Capital One credit card, so I paid it myself with my debit card. Soon after, I realized that it was already paid, so I requested my bank to put a stop payment order on the second pmt. 
Capital one received $ $ from XXXX on XX/XX/XXXX and from my debit card on XX/XX/XXXX. I checked my account often, so I could close it. It was XX/XX/XXXX, when I finally saw that it was done. 
When I checked the acct on XX/XX/XXXX, I saw that a XXXX donation I made cleared the acct in XXXX. ( I had changed the bank info on the XXXX charge page, but it hadn't changed. ) The company charged me interest on my card for XXXX, so I paid both those charges, and asked them to close my account. But they had also charged me a XXXX interest fees, even though I had a negative balance on my account for that entire month. I complained to finance people on the phone. They refused to take it off. Now it is XXXX and they added a late fee and interest on it. I wrote and mailed a letter to complain on XX/XX/XXXX. I have heard nothing back, only the added late charge and interest. They closed my account, and said I could NEVER open an account with them again. 
Can you help me? Is this wrong for them to keep charging me, when I didn't owe them? They called is " residual '' interest when I complained and asked for those XXXX charges to be taken off. I have worked in accounting for years, and just don't think it's right!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

XXXX XXXX XXXX XXXX  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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Got a letter on in   XXXX   XXXX   XXXX     from a bill collector by  Midland Credit Management stating that I owed  XXXX  back in1 XX/XX/XXXX  which they could not verify. When I asked to by whom they could  n't give me and exact person of who I owed the debt too or for what for. Also what was odd that if I did my husbands name was n't even included in this which is odd cause if for any huge amount  XXXX  as that they would have my husbands information also which they did n't they just stated it was just my  name.They the n asked me if I had been a victim of identy theft in the past which I was but do not know how they came about that information but they said that they would investigate which I did n't ask them to do. After getting off the phone with the customer reprensentative I looked into this company with the better business bureau and saw numerous complaints filed again this company about false claims and they also had a lawsuit that was filed against them.
Product: Payday loan, title loan, or personal loan

The company, ASG, has called me many times from a restricted number, leaving me messages without a contact number. Then, they started to call my elderly parents leaving harassing phone messages with them. The company is now calling from different numbers from Alabama and Mississippi, but will not talk to me, only referring me to their online chat room, or will have someone text me. They will not answer me when I ask them who sold my information to them and that they may only correspond with me via US postal mail. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately.

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Account is in violation of 15 USC 1681e ( b ) of the Fair Credit Reporting Act and 15 USC 1681i ( a ). 15 USC 1681 ( a ) 4 invasion of my privacy.15 U.S. Code 1681q - Obtaining information under false pretenses
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. 

Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

CARHOP /UNIVERSITY XXXX CORP did not provide me the proper legal registration at the time of leasing a vehicle to me ; And as a result the car got impounded and even though! had the money and valid drivers license, insurance etc. The auto pound would not release the vehicle to me because I didn't have valid registration and they also required that i have the title or they wouldn't release it and said that carhop would have to provide me with those documents or come pick up the vehicle themselves. 
I called and explained this to carhop multiple times and they did not care and made absolutely no effort to retrieve the vehicle from the pound! The y were extremely rude and only blamed me for the cops pulling me over and continued to demand payment for me and to make matters worse is that carhop actually signed a legal document with the " XXXX XXXX XXXX pound '' disclaiming their leased vehicle and permitting XXXX XXXX XXXX XXXX to auction the car off as abandoned property : And they never disclosed this to me at any time, they just continued to pressure and harass me for late payments for a car that i no longer had rights to at all! They reported this bogus account to all the credit bureaus as me being delinquent and in default of late payments and intentionally ruined my credit! THEY ALSO NEVER PROVIDED ME WITH ANY LEGAL DISCLOSURE forms of any kind at any time.. after trying to bully me into paying them anyway they finally had some lien title sent to my address after the vehicle was impossible for me to obtain about a month later.. its been a nightmare doing business with this company!
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries to be pulled from my credit report please remove XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> on my credit three times same date XXXX XXXX XXXX XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: 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 CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution 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 CFBPs 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. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to have a fraud alert removed online with Equifax. You have to call or mail them to have the fraud alert removed. When you call there is no option to have the fraud alert remove. I called multiple times to speak with a representative and unable to get through to a representative. The next step I took was to write Equifax to have fraud alert removed. I provided the required documentation. They wrote me back about extended the fraud alert when I explicitly told them to terminate the fraud alert effective immediately.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of chargers and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my accounts transactions.
Product: Payday loan, title loan, or personal loan

Notice Of Dispute XX/XX/2023, we did application for personal services at XXXX XXXX XXXXXXXX XXXX XXXX. After asked for our social security card I was under the impression that I was entering into a consumer credit transaction. Instead on XX/XX/2023, we received a letter of discrimination. Adverse action had been taken in which it is unlawful for any creditor to discriminate against Any applicant with respect to any credit transaction. Stellantis Financial Services , Inc also obtained information from my consumer report without my written or oral permission/ consent. Notice : your financial Institution is in violation of the Equal Credit Opportunity Act the Federal Agency that administers this Act will be notified of your unlawful Acts.