23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I wrote a letter requesting my PMI be cancelled and mailed it certified to Mr Coopers in XXXX TX. It was received XX/XX/XXXX. I havent received any response up to XX/XX/XXXX, so today, XX/XX/XXXX, I chatted with Mr Cooper on their app and spoke with XXXX people asking why I havent been contacted. Both could not find my letter requesting PMI be cancelled. Both told me it would automatically terminate in 11 years. I mailed my letter of request with the appraisal done in XXXX, which was {$380000.00}. My value of my home is currently between XXXX. This puts me at between XXXX % XXXX. Under the Homeowners Protection Act of XXXX, Section XXXX it states that if my XXXX falls below XXXX XXXX I can request in writing that my PMI be cancelled. My loan has never been late and is not a high risk loan. Mr Cooper is refusing to remove my PMI under the HPA or FHA guidelines.
Product: Debt collection

Over the past 5+ months I have received no personal phone calls from Apple Recovery LLC , although I have received calls and messages from multiple relatives such as m y mother, sister, grandmother, and brother-in-law all stating this company is continually calling and harassing them for information about myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

all fcra violations : see attachments : NO PAYMENT HISTORY : XXXX XXXX XXXX {$84000.00} Balance updated XX/XX/XXXX Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$84000.00} {$84000.00} XXXX, XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$1400.00} XXXX XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$2800.00}
Product: Debt collection

I just got a notice from a debt collector claim I owe {$120.00} but I can settle for {$44.00}. I dropped sprint in 2006 for bad service and bill was paid. Also, there is a statue of limitations. I do not owe this debt and it should be on my credit report. This company has not verified the debt. Also, the debt collector did not address what to do if this debt was not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry on my I have an unauthorized inquiry on my credit report I did not give permission for XXXX XXXX XXXX to run my credit report and trans union refuses to do anything about it They keep sending me cookie cutter answers, Trans Union has done nothing to investigate
Product: Debt collection

XX/XX/2016 Company : XXXX XXXX XXXX, XXXX NY XXXX and XXXX This company continues to call my parents, my ex-wife and her family, and my phone number threatening to send information to the courts and have me arrested. I asked them for information to be sent to me so I can validate this debt. They refused several times. They somehow have my social security number and mailing address. They said the debt was with XXXX XXXX which I have never used this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax released my private information publicly by not adopting decent security measures in its systems. A failure on a unrelated system caused attackers to be able to access my full name, date of birth, social security number, and address. Not only mine but also from other 143,000,000.00 people. 

As if being completely irresponsible with their systems security was n't enough they have n't notified me directly, I had to learn about the data breach by reading the news. They definitely know that I 'm affected since www.equifaxsecurity2017.com shows that I was affected. 

Now my financial life is at risk for the foreseeable future. These companies should n't have access to that much personal information of any American, they are utterly irresponsible.
Product: Debt collection

I`m disputing these accounts below because I can not get no answer or response from the creditor. I `m asking for assistance in resolving this matter as quick as possible. I know according to credit laws, you must report any and all accurate information on my credit report and if there are any inaccurate information, then it could be subject to violation, which can result into a small claim suit. Please see the accounts below and the reasons for me disputing this information. 

TD Bank- account # XXXX this account is in violation of the credit reporting act &  passed the 4 year of Statute of Limitations of Civil Practice and Remedies Code, S.16.004 reporting for the state of Texas. Per my records, the creditor previously verified this debt as valid. So, I sent the creditor a letter requested a copy of the legal binding contract signed my me and or offer settlement of this debt for deletion. This letter was sent certified mail on XX/XX/2019 and received and signed by XXXX XXXX and I have not received no response and its been 45 days or more. I enclosed a copy of the certified card, for proof. Based on this information, this account need to deleted. In addition, the balance was updated XX/XX/2019 showing this is a current debt for 2019, which is also inaccurate, because the balance as not changed.
Product: Student loan

Navient /XXXX XXXX keeps reporting and damaging my credit. The statute of limitations have been passed. Also, in my credit report it have been marked as bankruptcy discharged but they still mark as derogatory and its private loans. They listed private student loans as government. As I am repaying on time with XXXX for federal loans. Navient has been ruining my life. They never sent me any validation that I owe them except for a bill from collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. XXXX, Equifax, nor XXXX has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report back in XXXX of 2022 and noticed I had three collection accounts being reported. The amounts were {$1100.00}, {$780.00}, and {$930.00}. On XXXX XXXX I mailed a validation letter to XXXX, XXXX and XXXX requesting validation of these debts. I had read online the credit bureaus have 30 days to review request, so allowed the appropriate time, however I never even received anything stating the debt was validated. So, on XXXX XXXX i mailed a second letter to all three buraus asking for these collection accounts to be reviewed and verified as they were destroying my credit score. Again, I allowed another 30 days and still hadn't received any kind of response. I mailed my third letter on XXXX XXXX, stating my step would be to file a complaint because the handling of my request was beyond unprofessional. To date, I still haven't received anything thing from XXXX, Equifax or XXXX. I would like to point out that, he debt in the amount of {$1100.00} had inaccurate and incomplete information reporting. The last dates of activity are different between Equifax and XXXX and the payment history reports collection/charge off on XXXX, however on Equifax it is completely blank. For the debt in the amount of {$780.00}, on my XXXX report the last date of activity has XX/XX/2022, but Equifax has XX/XX/2022. And again, the payment history reports collection/charge off on XXXX, however on Equifax it is completely blank. Lastly the debt in the amount of {$930.00} has 3 different dates listed for date of last activity. XXXX has XXXX/XXXX/XXXX, Equifax has XX/XX/2022 and XXXX has XX/XX/2022. For the payment history, XXXX is blank, Equifax is reporting on time payments an XXXX is Blank. i have included all the letters i have mailed along with screenshots of my report.
Product: Money transfer, virtual currency, or money service

XXXX Money sent was registered under recipient email, Correct email. XXXX also had a number registered to recipient. XXXX sent went to Inactive phone number rather than active email. I have recipients new phone stored yet money sent went to old number. Called to resolve and was told i could not get a refund
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1 and 15 U.S. Code 1681n. I am demanding you remove this item immediately. XXXX XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( Debt Buyer ) -Accounts numbers are not consistent across credit reporting agencies. 
-Willful Noncompliance. 

Disputed Items : 1. XXXX XXXX XXXX XXXX Experian Account XXXX : # XXXX 2. XXXX XXXX  XXXX XXXX XXXX Account XXXX : XXXX 3. Credit Reporting Resource Guidelines Page 10-1 Violation : Accounts that should be removed.
Product: Credit reporting or other personal consumer reports

I sent a certified letter addressing ; NO parking debt XXXX, cease and desist, refuse to pay.I requested a purchase agreement, HIPAA permission to release my personal medical information with my signature as validation .A copy of any and all financial records of bills and charges.I want this fraudulent collection REMOVED immediately off my consumer report.They have illegally reported a false collection .Re- aged the date, and status.The original Creditor is XXXX XXXX XXXX ( Parent ) My child is XXXX XXXX XXXX.theirs no way this debt is valid.
Product: Checking or savings account

I received emails about applying for and being approved for a checking account that I did not request. I messaged with Bank of America about a separate account I have with them and the following day ( XX/XX/23 ) I started receiving the emails about the checking account. It is possible this was the result of a phishing attack in my email, but it seemed more likely that an account was opened without authorization by a Bank of America employee. I did not have any other fraud activity besides the opening of the checking account. Bank of America closed the account right away when I notified them.
Product: Debt collection

To whom it may concern, I am writing to formally file a complaint against this company about the alleged debt as I believe they have violated the FDCPA and XXXX  Law. I never made a transaction with this company and this seems to be an information about a medical debt so I need to know what information these and who's given them. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : I C SYSTEM - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX  Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am getting XXXX calls per day from " Credit Collections '' for my ex. I have informed them via their online form he has not been at my home number since 2010 but they continue to call, disrupting my business ( I XXXX ) and waking me early in the morning on weekends. They are calling from XXXX to my home number have at least one time left a voicemail asking if the person answering is the ex who moved out almost six years ago. I have no legal responsibility for his debt, regardless of what it is but ca n't get these people to stop calling my house. They have called XXXX times that I know of.
Product: Credit reporting or other personal consumer reports

For years I have been trying to get my personal information corrected with this XXXX. I have sent serveral requests and notices to XXXX to make changes and corrections to my profile they are furnishing without proper consent or permisble puupose. After years I have took it upon myself to read on my consumer rights under the fair credit resporting act and fair debt collections practice act. I understand where I have been violated on many times and ignored. 

Below is information that's a clear violation of my rights under the FRCA & FDCPA. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX *This account is a charge off, there should be no balance owed. 
*There should be no credit limit on a charge off. 
*Creditors can not attempt to collect a debt if charged off the books with the IRS *This account have been reaged. 

( 4 ) FCRA violations found on this account Delete this account for inaccurate credit reporting under the FCRA & FDCPA violations. 

XXXX  did not provide me with proper disclosure. Therefore this account should have never been furnished. Please provide me with my wet signature on this contract or agreement. Please provide me where I signed to opt-in and the option your company provided me to opt-out full disclosure as stated 12 CFR 1016.7 - form of opt out notice to consumers ; opt out methods I am excersing my right to claim damages for {$1000.00} each violation ( 5 ) mentioned as per 15 U.S code 1692k - Civil Liability 1. 15 U.S CODE 1692g - Validation of debt 2. 15 U.S CODE 1681i - ( 5 ) Removal of Inaccurate Unverified Credit Inforamtion 3. 15 U.S CODE 1692e - False or Misleading representation 4. 15 U.S CODE 1681b - Inaccurate False Reporting 5. 15 U.S CODE 1681b ( a ) ( 2 ) Permissible Purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Acct XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX and TransUnion ) credit report XXXX and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Acct # XXXX ) Your company is in violation of the FCRA and XXXX Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XXXX XXXX you reported transactions from account # ( XXXX ) to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XXXX XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I need the above transactions deleted from my consumer reports!, Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I took out loan in 2001 with XXXX XXXX. Since then sold to XXXX. I have paid my loan in full to XXXX but my credit report reflects I owe to dept. of education. I do not know anything about this charge and want it resolved.
Product: Credit card

I opened my first credit card with Chase Bank in XXXX and added a handful of other credit cards with Chase Bank over the years. In mid XXXX, Chase Bank closed all of my credit card accounts without warning. I found this out as I was mid-purchase, and had my credit card declined. And then my backup cards declined. Chase Bank never provided an explanation for their actions. I managed to get an email to XXXX XXXX 's office directly ( a friend and venture capitalist provided his direct email ). I asked for my accounts to be reinstated, and for me to be given an explanation as for why they were closed. XXXX XXXX 's office did respond : they refused to reopen my accounts, and informed me that I was not owed a response. 

This wasn't just an annoyance : my credit score dropped over XXXX points as as result in the radical change in my " age of credit. '' All of my oldest credit cards were with Chase Bank. I had been a loyal customer for decades. Once that credit history was gone, my credit score suffered. 

I do think I figured out what happened. I am the CEO of a nonprofit called XXXX. XXXX formed in XXXX, and had a fiscal sponsor for XXXX and much of XXXX. Our fiscal sponsor was called XXXX XXXX XXXX, and XXXX 's bank accounts were at Chase Bank. I was listed as an " owner '' on those accounts. The FBI arrested XXXX XXXX, the CEO of XXXX XXXX XXXX on XXXX XXXX XXXX, for wire fraud and embezzlement. You can learn more about XXXX XXXX here : XXXX XXXX XXXXXXXX The FBI briefly thought I had been involved in this crime. After speaking to me for hours, the FBI reclassified me as a victim in that case. I spent much of XXXX providing documents to the FBI to assist in their case. The FBI is clear that I am not a criminal. 
Chase Bank, however, continues to treat me as one. Not only did they close my personal credit cards, but they also closed my company business accounts, even though my company ( VoteAmerica ) was completely independent of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX by the time XXXX was arrested. 

I would like for Chase Bank to reinstate my personal credit card accounts. While I remain annoyed that they closed my business accounts, I was able to reestablish those accounts at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In agreement with the Fair Credit Reporting act. The List of records underneath has abused my governmentally safeguarded customer privileges to security and classification under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX I Do Not Live There. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX The accounts listed above have disregarded my rights. 

15 U.S.C 1681 area 602 A. States I reserve the privilege to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It additionally expresses a shopper detailing office can't outfit a record without my composed instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no customer revealing office might make any purchaser report containing any of the accompanying things of data Any other unfavorable thing of data, other than records of convictions of wrongdoings which precedes the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) An individual will not outfit any data connecting with a purchaser to any customer detailing organization assuming the individual knows or has sensible reason to accept that the data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is showing as XXXX XXXX XXXX. I keep calling, mailing in disputes along with my ID and SS Card, and sending in complaints about my name. My name is XXXX XXXX. I do not have a suffix at the end. They finally took the XXXX XXXX XXXX off but now it's showing XXXX XXXX XXXX. Please correct this. ( I have not recently shared this information with a creditor.
Product: Credit card

I have an account with PayPal Smart Connect Credit since XX/XX/XXXX and I have been making the monthly payments online without checking the statements. I recently noticed that the balance was the same even though I was paying XXXX dollars every month. I went online looked at the statement and saw that part of my payment was going to interest and the other part was going to some other charge that I had no idea what it was. I contacted PayPal Smart Connect Credit owned by Synchrony Bank to inquire about the unknown charge and was told it was credit insurance. I told the representative I did not sign up for credit insurance. He told me he would cancel it. They sent me a letter saying it was canceled effective XX/XX/XXXX but never credited my account for the insurance payments that I have been paying unknown to me since XX/XX/XXXX. They were charging me XXXX per month.
Product: Debt collection

I contacted Phoenix Financial about a debt and asked that they provide validation. I sent the letter certified to make sure they got it ( the certified number is XXXX XXXX XXXX XXXX XXXX ) and they got it in their office XX/XX/2020. After not hearing from them I sent another letter telling them they have to stop collection activities because they ignored my request and they trying to collect on an invalidated account. I, too, sent that certified. To this day they are still reporting this account on my credit report yet haven't provided any information about this alleged debt.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Experian XXXX and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received a paper correspondence on XX/XX/year>, and XX/XX/year> Their response was a " canned '' response that " XXXX has a reasonable belief that the dispute is submitted by,, is prepared on your behalf by, or is submitted on a form supplied to you by,, a credit repair organization '' which is false the letters were sent by myself, without a credit repair organization, and without any forms created by myself and on my behalf. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.