23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry From XXXX XXXX in XX/XX/XXXXon the date of XX/XX/XXXX. 
I have a inquiry from XXXX in XX/XX/XXXX on the date of XX/XX/XXXX. 
I have a inquiry from American First Finance In XX/XX/XXXX on the date of XX/XX/XXXX. 
I have a inquiry from American First Finance in XX/XX/XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX XXXX In XX/XX/XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX in XXXX on the date of XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. In XXXX all on the date of XX/XX/XXXX. 
I have inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX  on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX in XXXX  on the date of XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX on the date of XX/XX/XXXX. In Which All Of The Inquires Showed Above I did not inquire about or give my information to for them to run my credit. I Called The XXXX XXXX XXXX number, in a The Customer service or Representatives Did Not Help me Out At All.
Product: Debt collection

I do not owe any medical bill in this amount, this is inaccurate. My health care insurance pays it. Inaccurate data disputed and never heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Equifax, XXXX, and XXXX failed to reply to letters I sent in before on accounts that are being negatively reported. 

I have reached out to them via mail and fax and no reply in 4 attempts.
Product: Mortgage

XX/XX/XXXX I have a mortgage with Chase on a single family home purchased in XX/XX/XXXX for {$310000.00}. I put in a 5 % down payment, so I financed 95 % XXXX with Chase. 
I want to remove the PMI from my mortgage as I have certainly reached the point where my mortgage is below 80 % XXXX because I have paid down the mortgage and home values in my area have increased significantly over the time. Chase refuses to help and refuses to do an appraisal of the property to analyze the situation. 

I talked to Chase in XX/XX/XXXX about removing the PMI. They mailed me a form to fill out for the request. I filled out the form, I sent them {$100.00} for the appraisal as requested, I listed about {$8000.00} in completed improvements, as they asked. They cashed the check, so I thought the process was started. A few days ago I received a check from Chase for {$100.00}. I had a chance to call them today. I was told the PMI will not be removed and the process was cancelled because the home improvements that I listed are not enough. I told them that of course the home improvements are not enough. It's not about the home improvements mainly, it's about the home values going up which should put me well below 80 % XXXX, so no more PMI should be required. I was told the only thing I could do is fill out the same form again and send them the {$100.00} again. What for, I asked? We already did that and got nowhere. They have no other recourse. What!? 

My mortgage balance is about {$290000.00}. The house value estimated by all these real estate websites is showing around {$400000.00} to {$450000.00}. Again, property values around me have been increasing. If my house appraises for {$370000.00}, I'm at 78 % XXXX. 
I would like assistance with Chase so I can get the house appraised so the PMI can be removed.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information to my consumer profile and I have made them aware of this for the past XXXX months since XX/XX/XXXX. This is regarding a XXXX XXXX  XXXX credit account # ending in XXXX that was charged off in XX/XX/XXXX. I sent a letter requesting an investigation into the accuracy of this account on XX/XX/XXXX. In the letter, I specified areas of inaccuracies that I had identified such as the payment history and account status. The FCRA ONLY ALLOWS up to XXXX  days for this initial investigation. I demanded that if they were unable to verify the account as accurate and complete, that they should then delete this account from my profile. Experian responded back by updating the account information as verified. Then on XX/XX/XXXX, I sent them a method of verification letter in which I requested account level documents and further proof of their verification method. I again asked for them to delete the account if they were not able to verify the information within the XXXX  day window that is allowed by the FCRA for this second verification/reinvestigation period. They did NOT respond back within the XXXX  days, which is a VIOLATION of the FCRA! So around XX/XX/XXXX, which was well over XXXX  days since my initial letter was sent, I sent a complaint via the CFPB requesting that the account be deleted because they had failed to provide me with the requested documents within the timeframe ALLOWED BY THE FCRA! Around XXXX, XXXX, the account seemed to have been removed which led to a significant XXXX  score increase. But then it was evident that the account was reinserted days later and updated as verified! But HOW CAN THE ACCOUNT BE verified as accurate when the origin date opened was XX/XX/XXXX but there is NO PAYMENT HISTORY REPORTING until XXXX XXXX XXXX How is the payment history accurate when the last payment date is showing as XX/XX/XXXX as well as XX/XX/XXXX? It is now XX/XX/XXXX and the XXXX  charge off with account # XXXX is still being reported to my consumer profile! And there is still inaccurate information being reported such as the payment history, account status and date of last payment! At this point, this is willful non-compliance and deliberate reporting of inaccurate information to my consumer profile which is yet another violation of my consumer rights which are protected under the FCRA! I WANT THIS ACCOUNT PERMANENTLY DELETED FROM MY CONSUMER REPORT! If this account is not promptly DELETED from my consumer profile, then for damages, I will invoke my rights as a consumer pursuant to 15 USC 1681n Civil Liability for WILLFUL Noncompliance. If this account is not promptly DELETED then I will seek compensation for EVERY violation that has been found under the FCRA!
Product: Credit reporting or other personal consumer reports

In Accordance with Fair Credit Reporting Act(FCRA), Privacy Act of 1974, and Equal Credit Opportunity Act(ECOA), Trans Union is Violation of 15 USC 1681, specifically 15 USC 1681(3)(2), transunion is not to report any information solely based on transactions or experiences the consumer and the persons. 
-violation 15 USC 1681b, Permission purposes of consumer reports, in general only under subpoena shall a consumer reporting agency may complete a consumer report.
- Violation 1031(a) and 1036(a)(1)(B) of the CFPA An act or practice is unfair when it causes or likely to cause substantial injury to a consumer which cannot be reasonably avoided
-Violation 5 USC 552(a) of Privacy Act of 1974 in accordance with 42 USC 408(a)(8) any company or agent of company who willingly and knowingly discloses, uses or sales the sensitive information of a consumer's social security number to any other persons is in violation of the laws of the United States.
Violation Rule 10b5-1(c) of Securities Exchange Act of 1934 This rule requires directors and Section 16 o
Product: Credit reporting or other personal consumer reports

Dispute about my credit report inquiry I am writing to report many UNAUTHORIZED credit inquiries on my part. 
On XX/XX/2024 I have a consultation from XXXXXXXX XXXXXXXX On XX/XX/2024 I have a CBNA consultation On XX/XX/2024 I have a query from XXXX XXXX XXXX  I recognize myself as a victim of identity theft and would like it removed from my credit report. 

Please investigate this matter and remove the disputed credit inquiry as soon as possible.
Product: Credit reporting or other personal consumer reports

CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Debt collection

midland credit management is sending threating letter about a credit card that some one eles used in my name i made a report agaist them and they still sending me threating me
Product: Credit reporting, credit repair services, or other personal consumer reports

After a couple of failed attempts I'm now Demanding that these accounts be blocked from my credit report in accordance to the literature within the FCRA or I'll have to file suit and start litigation and name your company as a co conspirator of the creditor inwhom is reporting un documented and unverified accounts in my name per credit reports .I 'm requesting that these accounts be removed immediately if you can not provide me with physical documentation and the method of verification used in your companies process. What is the name of your investigator and/ or employee, at what time and date and day did this take place. Also inwhom did your companies representative speak with, fax, emailed, etc. What physical documentation was provided and when did you provide me with such documentation as relating to me and the contracts with the creditors. If this is not afforded to me then again I'm Demanding that the following accounts be blocked/ removed from my report immediately. Accounts ... ( # 1 ) XXXX XXXX XXXX, ( # 2 ) XXXX XXXX XXXX {$5600.00}, ( # 3 ) XXXX XXXX {$2800.00}, ( # 4 ) XXXX XXXX XXXX XXXX {$1700.00}, ( # 5 ) XXXX XXXX XXXX {$0.00}, ( # 6 ) XXXX XXXX XXXX {$680.00}, ( # 7 ) XXXX XXXX XXXX   {$670.00}, ( # 8 ) XXXX {$630.00}, ( # 9 ) XXXX XXXX XXXX {$140.00}, ( # 10 ) XXXX {$72.00}, ( # 11 ) XXXX XXXX XXXX {$71.00}, ( # 12 ) XXXX XXXX {$960.00}, ( # 13 ) XXXX XXXX {$680.00}, ( # 14 ) XXXX XXXX XXXX {$0.00}, ( # 15 ) XXXX XXXX XXXX {$0.00}, ( # 16 ) XXXX XXXX XXXX {$30.00}. 

It is my understanding that per the Fair Credit Reporting Act this request must be given attention and completed within 30 days of your receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding their failure to respond to my dispute letter dated XX/XX/2023. Despite the passing of a significant amount of time, I have not received any communication or acknowledgment from Equifax regarding the matter detailed in my dispute letter. 

Despite my efforts to rectify the inaccuracies in my credit report and the subsequent submissions of dispute letters, I have yet to receive any response from Equifax. The lack of communication has caused significant distress and inconvenience, as these inaccuracies may have a direct impact on my financial well-being and overall creditworthiness.
Product: Mortgage

XXXX sent my mortgage company XXXX payments that shows they been cashed and only XXXX of XXXX payments has been applied to my mortgage. I have made several phones calls with my mortgage company and my issue still not resolved. 

Missing payments : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Sent out a notarized document requesting proof of contract and other elaborate details in attached document. Letter was also sent certified mail.
Product: Mortgage

Multiple calls have been made to Westlake and their attorney  XXXX   XXXX  for information on the homeowners case to see if they post poned the sale due to the filed arbitration complaint and lis pendens. The rep  XXXX  at  Westlake  said they didnt have the previous TPA submitted and asked me to email it to her. She refused to let me conference in the homeowner who has been desperately trying to get an update on his foreclosure. The assigned attorney for Westlake refused to also give us or the client an update on the sale date. She said on the phone even if I get your TPA I will not provide you any information.     A QWR was submitted and the lender has failed to respond prior to the sale date of the home.
Product: Credit reporting or other personal consumer reports

Dear Comenity Bank Dispute Department, I trust this communication finds you well. I am writing to express my continued concern regarding the handling of CFPB complaint XXXX, specifically related to account XXXX. 

As previously communicated, I brought to your attention that this account is beyond the statute of limitations in the state of Texas, and your initial response indicated an intention to submit a cease and desist for the mentioned account. However, it has come to my attention that the account, which is already closed, still reflects a balance being reported. The statute of limitations expired in 2019, and as such, there should be no outstanding balance on an account that is legally uncollectible. 

Despite my efforts over the past three months to rectify this situation, there has been a notable lack of progress, and the continued reporting of an inaccurate balance raises serious concerns. This extended period of non-compliance is unacceptable, and I wish to emphasize the gravity of the situation. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 616 and 617, I must make it clear that your company 's persistent non-compliance has legal implications. I am diligently maintaining a record of our communications, and I am moving forward with seeking relief and monetary damages since this matter was not promptly and appropriately addressed. 

In light of the gross misconduct and non-compliance with the FCRA, I demand the immediate removal of account XXXX from my credit report. The account is attached to this complaint to show your company 's negligence by still reporting a balance 4 years after the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute with both XXXX and Experian invoking section 609 through dispute with multiple debt collection companies requesting verification of debt and proof of wet signature from the original creditor. I never received confirmation of my request and no proof of information was ever provided or an explanation.
Product: Checking or savings account

USAA has been discriminating against me and my personal checking account/insurance policies for almost one year. Denied full access to my account. 
I have been with USAA for about 32 years. It's disappointing to experience the treatment that I have been receiving from USAA for the past 3 years For the past 3 years USAA has restricted access to my checking account. 

The first couple times that my account was restricted according to USAA Bank, The IRS was in need of information regarding me and my checking account. I refused for a long time to fill the information requested as I have always filed my taxes and if there was any additional information that the IRS needed from me they knew where to contact me. 

Last year during the month of XXXX or XXXX I started having issues again with USAA regarding restrictions to my checking account. Last time was the IRS, this time the questions are related to FINCEN.

FinCEN. As you mostly like know FinCEN is the agency that investigates money laundering. 

I have not gone thru all the questions but here are some of them. 
Q. What is your annual income? 
Q. Are you a current or former high level elected or appointed FOREIGN government official? 
Q. what is your net worth? 
Q. will more than {$5000.00} in cash will be withdrawn monthly? 
Q. Will international transfers be sent from this account? 
Q. Will cash equivalent will be deposited in this account? 
Q. Will cash will be deposited in this account? 
Q. How are you going to use the checking account? 
As I mentioned before there are other questions but due to the fact that I have yet to complete the requested form provided by USAA, I do not have access to the all the questions. 

As of today, I have no access to my account with the exception to view the balance. I called USAA to resolve the problem and there is no help what so ever. 

I have never since XXXX when I first arrived to this country - legally - I have felt discrimination until USAA started discriminating against me and my account. WHY is USAA restricting my account there is no reason. Is it because I am a XXXX woman? Once again there is no reason for USAA to barred me from my account. I have never made cash deposits - any check that is has been deposited is accountable for it and can be traced to the issuing source without a problem. I have never worked for a foreign country. I do not have contact with high level official from a foreign country. I am just a woman trying to work hard, legally, ethically, pay my taxes and survive XXXX XXXX. 

USAA should be ashamed for heir business practice and should be penalized financially. Furthermore, I do feel that USAA should compensate me financially for a whole year of headache dealing with them. Are there other in the same boat that I find myself with USAA, most likely? 

I know in the past USAA was the most amazing bank, customer service was great! In the past few years USAA has been going down the drain in my humble opinion. 

Thank you for your time,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Hello Equifax, Recently I viewed a copy of my credit report and noticed an error. I actually disputed this in the past and was under the impression that it would be removed from my credit report. I am certain that this account 's error is adversely damaging my credit reputation and costing me too much time and money every year.

Below is the account that I have identified and want to have removed. 
XXXX XXXXXXXX My rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I want this account to be removed from all current and future credit reports. 

Also, I would appreciate it if you could forward me the information of any individuals and/or organizations you reached out to so I can follow up with them on my end if need be. 

I believe that 30 days will be plenty of time for your company to investigate this account. 

If I am correct on Section 611 ( a ), it is plainly stated that the failure to investigate this account within a 30 days time frame constitutes a reason to remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

the accounts on the form are fraudulent and I am requesting immediate permanent removal of these account these accounts opened while i was incarcerated in XXXX XXXX XXXX. you can even call the XXXX XXXX sheriffs office to verify and please remove these accounts unless you have proof to not to and if you do have proof i request that you send it to me. documents are attached. 
XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX I REQUEST THESE ACCOUNTS TO BE PERMANETELY REMOVED IMMEDIATLY i have provided substantial proof failure to delete the items i would have to file a lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from Global Lending Services that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 30 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Global Lending Services is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Debt collection

Portfolio Recovery Associates claims they have ownership in a debt originally from XXXX XXXX. Portfolio Recovery Associates are also not licensed in the state of Michigan and had not produced the bill of sale from the original creditor to confirm they own this debt.
Product: Debt collection

I received a voicemail on XX/XX/2024 stating that I needed to give a return call as I am a defendant on a complaint docket. Today ( XX/XX/XXXX ) I called the number provided and someone who stated they were from XXXX XXXX. I asked the gentleman over the phone to confirm what company held the debt. He first stated XXXX  XXXX, then changed it to XXXX XXXX. He stated the matter was in regard to a suit being filed against me. I called XXXX XXXX and was told this debt was being held by XXXX XXXX XXXX XXXX. The gentleman I spoke with at XXXX XXXX  stated the company who reached out goes by both XXXX XXXX  and XXXXXXXX XXXX XXXX I then called XXXX XXXX XXXX XXXX. The person who answered stated it was XXXX XXXX XXXX XXXXXXXX XXXX. I asked to confirm which business I was calling and she advised they are both XXXX XXXX and XXXX XXXX XXXX XXXX. She then advised another company, XXXX XXXX sold the debt to her company, who then sold it to XXXX XXXX XXXX. The original creditor is Emoney USA and when I called them today I was told the debt was sold to XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax, my personal information was accessed by an unknown third party in the security breach that occurred on XXXX XXXX, 2017.
Product: Credit reporting or other personal consumer reports

This is my several 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 XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2700.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/1987 XXXX XXXX XXXX CT # XXXX XXXX, VA XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX I need you to investigate the following XXXX  XXXX {$240.00} XXXX XXXX {$360.00} XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX I request you provide me with proof of this alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you. 

XXXX XXXX