23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, XXXX my credit bureau was hit XXXX points because of Medical Revenue Services reporting {$XXXX} that I do NOT owe and also reporting an account 2 times for the same amount {$XXXX}. My credit score would be XXXX if not for their deceptive and non consistent reporting. I have disputed the {$XXXX}  numerous times with no help or action taken for the duplicate reporting. I want all records from them deleted from my credit file because they are very inconsistent and inaccurate in there reporting. I 'm sure I 'm not the only one that they 've wrecked opportunities.
Product: Payday loan, title loan, personal loan, or advance loan

This company offers payday advances and I have taken money out over the years. Today I found out that I no longer have a job and I try to revoke my ACH authorization and revoke any debit card authorization as well cause I need the money to survive and the company flat out refused and said theyre not honoring my request to revoke The ACH or debit card. The lady was very heartless in the chat and refused to help me at all and just kept saying well well just withdraw a little at a time whatevers available in your account thats money that I need to survive on. Thats why Im revoking my ACH when I have the money to pay it back. I will gladly pay it back, but Ive never seen a company that doesnt abide by the law and has no XXXX
Product: Mortgage

I have been trying since XX/XX/2022 to have my mortgage company ( Freedom Mortgage ) remove my PMI. Initially they said they have to order a Broker Price Opinion and stated they will send me a letter which I need to sign and send back to them so that they can order a broker price opinion. 

Facts Pertaining to my case. 
1 ) Original Loan Amount {$270000.00} 2 ) Original Value of the home {$300000.00} 3 ) Original Loan to equity ratio 90 % 4 ) Current Principal Balance {$260000.00} 5 ) Current Value of the home ( As per XXXX XXXX XXXX XXXX XXXX ) {$340000.00} 6 ) Current Loan to equity ratio 77.56 % I have protested with the appraisal board and also appealed with Appraisal Review Board of the county and this is the value they appraise the property. I have attached the appraisal report. 

Hence I requested my mortgage lender to cancel the PMI since my LTV is less than 80 % but they have given one excuse or another to avoid this. When I spoke to them on XX/XX/2022 they are stating the loan needs to be at least 2 years old for them to do this. I have read through the entire loan trust deed and no where does it mention that it has to be 2 years before they can order a broker price opinion. The initially sent me another person 's loan deed to me ( which is a gross violation of another person 's privacy ) and when I called again on XX/XX/2022 and reported this they sent me my correct document and no where in the document it is mentioned that I have to wait for 2 years before having the PMI removed. 

They are forcing me to pay the PMI even when I have made all my payments on time and even made some additional principal payments in the XXXX year of my loan. 

I am paying {$43.00} each month for PMI which is not necessary at this point since the Loan to equity value is well below the required 80 %. It is only fair that the mortgage lender cancels this insurance and stop charging me for it. 

I have all the calls recorded and can provide them to you as well. The customer service representatives disconnect the call every time when I point out that the loan agreement does not stipulate a 2 year waiting period. 

I have attached the county appraisal report along with the evidence they used, an offer from XXXX offering {$340000.00} for the house, Realtors comparable sales analysis. Am not sure what else I need to do to prove to mortgage lender that the property value has significantly increased thereby increasing my equity.
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 Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$630.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$940.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$490.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$140.00} Account Name : XXXX : Account Number : XXXX : Balance : {$670.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$370.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2800.00} Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX : Balance : {$450.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$290.00} Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$580.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$880.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX please note that my documents were stole, the theft occurred on XX/XX/year> and it was reported to the police department and the bank. I withdrew money from Citibank account ending in XXXX via the IRA phone system earlier this month of XX/XX/year>, since the branch did not allow the money withdrawn at the branch, without proper identification or picture identification. I respected Citibank 's request and used the IRA branch phone system at Citibank to withdraw money from my IRA into my checking in the amount of XXXX. In the process of moving from New York to Pennsylvania the theft occurred.I was in the process of waiting for the clearance of an indemnity on my driver 's license when the documents were stolen. The documents that were stolen included all my pictures identification. The situation was explained to the bank on XX/XX/XXXX when I attempted to complete another withdrawal from my Citibank IRA account since there was not enough money in my Citibank checking account to complete the storage move from New York to Pennsylvania. I explained to Citibank that I'm on the street at the present time waiting for my identification from the XXXX to arrive at my mailbox or other documents that suffice identification such as my passport that was also stolen. However, I am in possession of the birth certificate, social security card and a temporary interim license paper that was provided by the XXXX. Please note that Citibank still refuses to complete the withdrawal today on the XXXX of XX/XX/year> on the premise that only one withdrawal could be made from the IRA account every 30 days. I explained to Citibank that this was an emergency, since I am in the present time attempting to complete my move in New York to Pennsylvania. 

This statement is written in the event that something happens to me while on the street, please note that I came in person to request the intervention of Citibank in terms of transferring funds from my IRA account into my checking account in order to help me in terms of arriving at my destination. 

Please note that I did communicate via the branch phone system to the IRA, which also agreed with the branch in terms of the XXXX policy. I also spoke to your supervisor XXXX who also requested a XXXX policy in terms of having the withdrawal completed. XXXX was also explained the present moving situation and that I as a customer am on the street. XXXX was also explained that there is money in my Citibank IRS account which is feasible and can be transferred from the IRA into the checking. I was also explained that they can not remove different types of amounts but only after the 30 days period policy. Therefore my request today XXXX, still did not meet the XXXX policy of the IRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Westlake financial regularly threatens to repossess my vehicle when I am not even 30 days pay due. They do it on the phone when I make a payment and through letters when I am like 20 days past due. They tack on the next month payment then threaten to repossess. I have had an agent threaten to take repossession action over a payment that wasnt even due til the next month.
Product: Credit card or prepaid card

ON XX/XX/XXXX I REC 'D EMAIL STATING I AM LATE ON MY CREDIT CARD PAYMENT. I CALLED CREDIT CARD COMPANY AND THEY SAID IT WAS MEMBERSHIP OF {$19.00} A YEAR AND NOW ITS DOUBLED BECAUSE IT WAS NOT PAID ON TIME. I SAID CARD WAS CANCELLED LAST YEAR AND THIS CARD HAS NEVER BEEN USED AND WAS NEVER ACTIVATED SO HOW CAN YOU SAY I AM LATE AND IT IS REPORTED TO CREDIT BUREAU AGENCY. THEY KEPT HARASSING ME TO MAKE A PAYMENT AND THEN THEY WILL CLOSE MY ACCOUNT. I SAID I HAD REQUESTED TO CAPITAL ONE LAST YEAR TO CLOSE MY ACCOUNT AND THIS CARDS WERE NEVER ACTIVATED. ( AND I DON'T EVEN HAVE THEM AFTER LAST YEAR I CLOSED THE ACCOUNT ) THEY SAID THEN IT WILL TOWARDS YOUR CREDIT AND IMPACT NEGATIVE.I DONT MIND PAYING THEM BUT THIS IS NOT FAIR TO CUSTOMER THAT THEY CLOSE THE ACCOUNT AND NOW THEY SAID I NEVER CANCEL MEMBERSHIP SO THEY REPORTED MY LATE PAYMENT TO CREDIT BUREAU AGENCIES.PLEASE HELP I PAY ALL MY BILLS FIRST BEFORE I EAT. WE HAVE GOOD CREDIT AND THIS PEOPLE ( CAPITAL ONE ) IS TRYING TO RUIN MY CREDIT.
Product: Checking or savings account

XX/XX/XXXX my account was suspended Ive provided everything theyve asked for plus more. The customer service representatives can not help with anything they just keep telling me to email chime member services. I have been emailing and calling since XX/XX/XXXX. I have not been getting any updates, any follow ups or anything. The supervisors tell me they are escalating my case every time I call but I have still yet to receive an email, call back or my account back opened. Ive uploaded my ID, My Tax Return, A Bill, A Selfie, Screen Shots From XXXX XXXX, an email of my chime deposit. Ive provided an explanation of the funds Ive received and provided my tax return. Im not getting any help what so ever, Im not getting any explanation or anything
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX/XXXX/2016 I contacted Chase Credit Card Online services by phone regarding my Chase Visa XXXX credit card. Every month I get an email from Chase that ONLY says " You have a bill due in 20 days. '' I asked Chase if I can get an email that states the balance due and the due date like the one provided by my XXXX and XXXX XXXX. Chase says that for security reasons they ca n't send me my balance and due date in an email. I pointed out again that XXXX and XXXX does it. I just want to easily learn what I owe and when I owe it without having to log on to my account from the safety of my home computer. By making this information more difficult to obtain, Chase makes it more likely that I will miss a payment.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure aligns with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates the federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b- ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit card or prepaid card

Somebody make 3 transactions on my Sams Master card I call the company they take outs the charges and later bill me again the 3 transactions This afect my credit Acount # XXXX Synchrony Bank
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Experian has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This letter is a follow up to my original letter dated XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XX/XX/XXXX To Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
( Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section XXXX. ) No response after 75 days multiple letters and proof of identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 Credit Bureau 's regarding the reporting of inaccurate and unverified information that they are continuing to report on my reports.

I have been disputing information on my credit reports regarding a public record " Bankruptcy '' and collection accounts that remain unverified through the main sources such as the original creditor and with the clerk of courts. I've contacted the 3 Credit Bureaus ( XXXX, XXXX and TRANSUNION ) about a bankruptcy appearing on my credit report from XX/XX/XXXX. 

I also asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX, which by way I have a " SECURITY FREEZE '' and is a affiliate credit reporting agency. Under the FCRA laws, all reporting agencies MUST receive their information directly from the creditor/court of the account if not then it should be removed from my credit report. 

As you can see in the attached documents provided from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. 

With the collection accounts listed below : XXXX XXXXXXXX XXXX XXXX- I NEVER OPENED AN ACCOUNT WITH EITHER THE ORIGINAL CREDITOR OR COLLECTION AGENCY WE ENERGIES- UNVERIFIED UTILITY ACCOUNT XX/XX/XXXX- I NEVER OPEN AN ACCOUNT WITH THIS COLLECTION AGENCY DURING any time of XX/XX/XXXX These accounts have been disputed since XX/XX/XXXX-XX/XX/XXXX & still no documents has been submitted to me verifying the information stored in my reports are indeed accurate. 

All of the accounts mentioned have not been properly verified with a contract bearing my signature, so I demand that they are deleted as per : FCRA LAW Section 623, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) and FCRA Section 605 ( c ) ''If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and off my credit reports.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below, which still appears on my credit report even after your investigation I would like this item immediately reinvestigate, the inaccuracies are highly injury to my credit score. XXXX XXXX XXXX account number XXXX in accordance with the fair credit reporting act public law 91506. Title Vl, section 611. Please provide the names and businesses address of each individual with whom you verify the information. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/23 i requested This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

on XX/XX/23 i requested I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

on XX/XX/23 i requested This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across TU, EU, EQ. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately on XX/XX/23 i requested Chargeoff Balance Error This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 


this credit failed to do a investigation, failed to update the comment section on all three bureaus, the bureaus failed to remove this account from my report due to no reponse from the creditor, my comment section on my credit report is the exact same since i started my disputes. The creditor has not uodated me with what i requested and failed to do a proper investigation. this creditor has a balance with a charge off, late payments on a charge off, different dates last active, please remove from all three bureaus immediately
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX