23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Yesterday, XX/XX/year> I called Valon Mortgage to dispute the unexpected {$400.00} increase in my monthly mortgage payment. I was informed that the increase was due to Private Mortgage Insurance ( PMI ) not being included in my mortgage payments, which resulted from an oversight by VALON company. 

Upon reviewing my mortgage statements, I confirmed that PMI had not been charged as it should have been. XXXX suggested spreading the payments over three years, which initially seemed like a reasonable solution. However, I ultimately declined because my payments would still increase, which I believe is unfair given that this issue was caused by VALON companys mistake. I also requested the immediate removal of PMI, but Valon refused. 

Given this error, I formally request the following : If my Loan-to-Value ( LTV ) ratio is below 80 %, I request the immediate removal of PMI.

If my LTV is still above 80 %, I request a waiver or lender-paid PMI coverage due to your companys negligence. 
Since the failure to charge PMI was due to an oversight on your part, I do not believe I should be penalized for this mistake. I appreciate your prompt attention to this matter and look forward to your response.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I wired {$3200.00} from my checking account in Bank of America. The international wire transfer was to XXXX limited located in XXXX. This is a family business. The receiving Bank was XXXX XXXX Bank. As of today the money has not been received as it never reached XXXX commercial bank as the account was inactive. Bank of America was advised 2 days later to recall the funds. Bank of America has not refunded my money and has refused to assist. The middle bank in this transaction was XXXX XXXX. They have refused to assist me since Im not their client. I desperately need help in this matter. Thanks.
Product: Debt collection

I entered into a contract with LexisNexis under the misunderstanding, bolstered by explanations from company representatives, that the promotional rates would continue indefinitely beyond the initial term. This was crucial in my decision to sign up for their services. Upon expiration of the promotional period, I was surprised by a significant increase in the billing amount, contrary to what I had understood from the initial agreement discussions. 

Further complicating this issue, I suffer from severe health conditions, including XXXX and its complications, which have significantly impacted my cognitive abilities and financial situation. I communicated these difficulties to LexisNexis, requesting accommodations, including the continuation of promotional rates to align with my original understanding of our agreement. However, my requests were not met, and the matter was escalated to a collections agency, which has since threatened legal action. 

Given the profound miscommunication, my compromised health at the time of the agreement, and the subsequent aggressive collection practices, I am seeking a complete discharge of the debt. The actions taken by LexisNexis and the collections agency have added significant stress and worsened my financial and health situation. 

This situation spans from the contract 's commencement in XX/XX/XXXX until now, with the most aggressive actions taken in XX/XX/XXXX. I believe that the fair and just resolution is the complete discharge of the debt, acknowledging the initial miscommunication, the lack of adequate response to requested accommodations, and the undue hardship imposed by the escalated billing and collection practices.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. ACCOUNTS : 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/XXXX my personal information started to be used fraudulently. Someone stole my personal information to open accounts with many credit grantors. The following accounts are a result of my identity being stolen and used without my knowledge and consent. 
XXXX Opened XX/XX/XXXX Bal {$1800.00} XXXX Opened XX/XX/XXXX Bal {$12000.00} XXXX Opened XX/XX/XXXX Bal {$6600.00} XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Bal {$0.00} XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX Opened XX/XX/XXXX Bal {$320.00} XXXX XXXX Opened XX/XX/XXXX Bal {$1000.00}. 
I have tried to resolve this problem multiple times using the Fair Credit Reporting Act but I am neglected and unable to fight this identity theft.
Product: Credit reporting or other personal consumer reports

This is my XXXX  endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX!! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States that 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 crime which antedates the report by more than 7 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: Vehicle loan or lease

My wife and I have a recreational vehicle loan with M & T Bank. The bank has made servicing the loan progressively more difficult over time with the intended effect of forcing us into using other M & T bank products. At the outset, the bank refuses to setup automatic payments for the loan, requiring draconian practices like faxing physical request forms to initiate bank to bank transfers for making payments on the loan. Then they restrict those automatic payments to only Mortgages, M & T Bank Accounts, and Auto loans ( implying I have to sign up for an M & T Bank account if I want automatic payments ). I've been servicing the loan for almost 2 years manually making payments through both the website and their mobile app. 

Just recently, when trying to use the mobile app, it now gives an error message with yet another road-block to payment for non-M & T Bank account customers : " To protect your information, we ask all customers to activate Transfers and Payments by entering their M & T Debit Card or ATM Card and the associated PIN. To request a card, call M & T Online Customer Service at XXXX ( XXXX XXXX, XXXX XXXX XXXX ). '' I have no interest in opening additional accounts with the bank, and being forced to go to a computer to make payments because I am not a Banking customer is deceptive and manipulative.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

A few weeks ago I received a promotional offer that I was Pre-approved for a Capital One Quicksilver Credit Card. I went online, applied for the credit card, got approved, and received the credit cards. 

Less than a week after I received my physical cards, my accounts were closed. The false promotional advertising by Capital One ( even receiving my card ) has led to my credit score decreasing because of an inquiry which will take 18 Months to recover from. 

I called Capital One on XX/XX/2020 about it only to be fumbled around different departments with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year i wrote a letter to Transunion, XXXX XXXX XXXX to notify the Elaborate mechanism that they are indeed Reporting fraudulent & Incorrect information & A Fraudulent Account : XXXX XXXX XXXX XXXX on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. They Responded by Mail on XX/XX/2023 & Notified me that the Fraudulent Account : XXXX XXXX XXXX Was removed from my Credit Report. Transunion XXXX XXXX Followed up with another Letter 14 Days later on XX/XX/2023 and Notified me that they 'Reinserted " the Exact same Fraudulent account : XXXX XXXX XXXX XXXX to my Credit Report that had been removed just 14 Days Prior. Completely ILLEGAL, Violating a Plethora of Federal XXXX Codes & violating my Trust within the Banking System. Their Willful Disregard for Federal Law is Completely Absurd and Repulsive & I'm not sure why they believe that they're ABOVE the Law. 

Their Negligence has Caused me Stress, Physical harm, anxiety, Hardship, misfortune, suffering, Trauma and emotional turmoil. XXXX XXXX XXXX Transunion, XXXX XXXX XXXX is Still Denying me of my XXXX XXXX XXXX XXXX their Wrongdoing & Violations of Federal law. 

The Fraudulent Account : XXXX XXXX XXXX was Removed & then Reinserted 14 Days Later, Perpetuating the Damages of my Reputation and my Consumer Profile. I'm Requesting the CFPB and Every other Federal Regulation to Recognize this as an attack on the Consumer & to step in and Counter their Fraudulent & Illegal Activity & Compel them to Follow the Law. 

I have no other Option but to View this as a Direct Attack on Consumers & I will not allow this Elaborate Mechanism to continue to Report Adverse and Fraudulent Account : XXXX XXXX XXXX on to my Credit Report, Especially after they have already removed it. Indubitably Preposterous, unethical, Deceptive, & Unfair Practices.
Product: Credit reporting or other personal consumer reports

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

Unauthorized Inquiries EXPERIAN XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violated the customer financial protection act ( CFPA ). Specifically Cashapp failed to take timely in effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

I haven't received a mortgage statement in 7 months. TD Bank does not post statements online, so the only way to receive them is by mail. I've reached out to them on multiple occasions and all everyone has tried to do is to confirm my address, which has not changed. I receive other mail from TD Bank including receipt of payments, but no mortgage statements. I have no way of knowing what my remaining balance is. I continue to pay online without ever receiving a bill.
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 XXXX XXXX XXXX, which falls undeXXXX XXXX  according to XXXXt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want all of these inquires to be deleted because I didnt authorized any of these companies to run my credit because its Fraudulent.
Product: Credit reporting

I have notified Transunion many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX, XXXX, GA and XXXX XXXX XXXX XXXX XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX Account # : XXXX, Amount {$36000.00} XXXX XXXX XXXXXXXX XXXX Account # : XXXX, Amount {$9600.00} -XXXX XXXX Account # : XXXX, Amount {$740.00} -XXXX XXXX, Account # : XXXX, Amount {$800.00} -XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Amount {$2300.00} -XXXX XXXX, Account # : XXXX XXXX Amount {$540.00} All credit accounts listed above has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am filing a complaint against XXXX for failing to properly investigate my disputes! regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i. 
which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX records. This is pertaining to all creditors including XXXX, XXXX, and Experian that I'd like actions upon my credit report with what's stated above. I want above accounts removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I called child support to report new employment. The worker reviewed my case and told me I was in good standing and didn't owe anything and also informed me that I had over paid. 

On XX/XX/20 I went on XXXX XXXX and discovered that my credit rating went down 24 points because child support put on my credit that I owed when I was already told that I was in good standing. I called child support and talked with a case worker about this and she told me she was going to put in a dispute for me saying that the information placed on my credit report was incorrect. 

On XX/XX/20 another case worker called me and informed me that she didn't see a dispute placed and that the previous worker never sent anything in. She then informed me that I would need to dispute this.
Product: Debt or credit management

Around XX/XX/2023 i was attending XXXX, which i missed placed my wallet i then found it but never checked inside to make sure that everything was in side injust proceeded with the day. Once i went home for XXXXXXXX XXXX  my mom asked did i have my credit cards with me I then said yes because I most certainly thought I did, so i panicked and didnt know what to do once i looked in my wallet and didnt see them. My phone then ended up breaking with all of my information inside of so i was unable to verify a lot lf things pertaining my credit cards. I tried calling but they told me i would have to pay the debt but i didnt do any of the charges on any cards so i stuck on what to do. They then ended up closing my accounts for this reason my limits for one card was {$1000.00} and for the other was {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves a  XXXX   XXXX  card with  XXXX   XXXX  or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX   2015, I  have allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and   XXXX   cards in the past and successfully paid them off.