23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We refinanced our mortgage earlier this year with LeaderOne Financial Corporation, with a loan origination date of XX/XX/2020. We received an appraisal value of {$370000.00}, and this value was used by the lender to approve the refinance transaction. The appraisal was conducted on XX/XX/2020 and cost {$510.00}. 

After making our XXXX mortgage payment, our loan-to-value ( LTV ) ratio satisfied the 80 % ratio required for PMI cancellation with an unpaid principal balance of {$300000.00} ( 79.76 % ). We requested PMI removal and received a rejection letter on XX/XX/2020 stating that in order to qualify for PMI removal, we were required to order a new valuation to verify that our property has maintained its original value. Conducting a new appraisal is not only impractical, but poses an undue financial burden and unnecessary health risk. The appraisal used to approve our refinance was ordered through LeaderOne Financial Corporation, and was used to approve our mortgage a mere 108 days before we satisfied the 80 % ratio required for PMI cancellation. We should not be required to 1 ) pay an additional {$320.00} to confirm something that held true 108 days prior, and 2 ) more importantly, to needlessly invite another stranger into our home during a global pandemic, during which time cases continue to spike in our county. 

I had a phone conversation with a customer service representative of LeaderOne on XX/XX/XXXX, at XXXX Central, and this representative agreed that, given how recently our appraisal was conducted, we should not have to conduct a new appraisal. He advised me to email XXXX with our appraisal document, and again request cancellation of PMI, which I did. Upon not hearing a response, I submitted a second request via XXXX on XX/XX/XXXX. This request was again rejected, and we were again told we were required to conduct an appraisal. 

On XX/XX/2020, I contacted our original loan officer with LeaderOne, and was told " They should cancel the mortgage insurance automatically when you get to 78 % equity in the property without paying for an appraisal. '' Based on this information and additional research, on XX/XX/2020, we made an additional one-time payment of {$4700.00} to bring our LTV ratio to 77.94 % ( remaining principal balance of {$290000.00} ). Despite being below the 78 % threshold for automatic PMI termination, I saw that we were again charged PMI on XX/XX/2020. I called LeaderOne on XX/XX/2020, at XXXX Central to inquire as to why our PMI had still not been canceled and was again told that would require a new appraisal.
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/DEPT OF ED Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account 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: Money transfer, virtual currency, or money service

On XX/XX/year>, I participated in a XXXX  interview for a remote appointment setter position with what I believed to be a legitimate company, XXXX XXXX XXXXXXXX ( also operating as XXXX XXXX XXXX XXXX and previously known as XXXX XXXX XXXX  ). After further investigation, I discovered that the company had previously gone by the name XXXX XXXX XXXX and has been reported for engaging in fraudulent hiring practices. During the interview, I was asked by representatives XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for remote access to my screen under the pretense of setting up work-related software. However, without my knowledge or consent, they used this access to open a {$6000.00} loan in my name and make unauthorized transactions through my Apple Wallet. After the interview, I was pressured into electronically signing contracts under false pretenses, with the company claiming that I needed to complete training and work for them in order to be reimbursed for the money taken from my accounts. When I tried to opt out of this situation, I was threatened with legal action if I disputed the charges. They claimed to have recorded our XXXX  interview and had my signed contract as evidence against me. After conducting further research, I found that this company has a history of misleading individuals with fraudulent pay-to-work schemes. As a result, I was defrauded of {$6000.00}, which includes {$1000.00} withdrawn from my XXXX XXXX  credit card account and {$5000.00} charged to my Apple Card, issued by Goldman Sachs Bank. These transactions were processed through the XXXX XXXX  which is a social commerce platform and when I attempted to request a refund from the merchant, my account on XXXX was suspended. In response, I immediately filed disputes on XX/XX/XXXX and XXXX with the XXXX XXXX, and Apple/Goldman Sachs Bank for the unauthorized charges. In addition, I have already filed complaints with IC3 and the FTC regarding this matter. I am now submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to seek refund and the removal of the fraudulent loan from my credit history. To support my case, I have attached emails, the signed contract, proof of transactions made to the XXXX XXXX. Please let me know if any additional information is needed. Thank you for reviewing my case and I really hope we can find a solution to this soon.
Product: Prepaid card

Received a prepaid card and was unable to use it. The funds expired and American Express will not re-issue the card or provide me the funds. 

In their minds it is a rewards card, but that seems like a way to simply skirt the CARD act and not follow it, and look after the consumer.
Product: Debt collection

I was contacted by phone from someone ( whom I couldn't understand ) asking me to verify my identity and address. When I asked who was calling, they wouldn't answer and said it was for personal business matters. I received another call from the same number ( XXXX ) and they said they were calling from Credence Resource Management and they wanted to verify my name and address. I XX/XX/XXXX that company name and found it's a debt collector ( I can confirm I do not owe any debts as I run my credit often ). When I asked what business they had, they refused to tell me and they kept asking for my personal information. Every single person I talked to sounded like they were calling from XXXX. I asked them to send a letter to whomever they needed to contact and they said they couldn't do that which I found highly suspicious.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. Unpaid balance reported as a loss by credit grantor XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

Debt validation was sent and never proven as they have violated consumer law privacy act of XXXX also buying my information from original alleged company who sold them the alleged debt is in violation of sharing my information without my consent or authorization. This impedes a penalty of {$1000.00} per violation. If this isnt remedied lawsuit will be filed as my right under FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/2023, I retrieved a copy of my credit report EQUIFAX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with XXXX XXXX XXXX XXXX, INQUIRY DATES : XX/XX/2023. I have also reached out asking that they remove the inquiry from my credit profile.
Product: Vehicle loan or lease

Summary of Issue : Nissan Infiniti LTD is sending important financial and repossession-related documents to the wrong address.

They sold my repossessed vehicle but failed to notify me properly.

They are still attempting to collect over {$5000.00}, despite the vehicle being sold.

Their continued collection attempts feel excessive and potentially unlawful.

What I Want to Happen : I want Nissan Infiniti LTD to correct my address in their records.

I want a full and detailed statement showing how they calculated the {$5000.00} balance.

I want all harassing collection attempts to stop until they provide proper documentation.

I would like CFPB to investigate if any violations of fair debt collection laws have occurred.
Product: Vehicle loan or lease

hello, i needed a vehicle very badly due to me having a child and needing to get to work in a reliable way. i saw a vehicle that i was interested in so i decided to go see it, i went to a dealership about an hour away from my home named XXXXXXXX XXXX XXXX i really liked the car i went to go see, so weeks prior to me going in person to see the car i was looking at online photos everyday of the car, the pics were not showing the entire interior, only angles of certain parts of the interior, and me being an impulsive person, as soon as i seen the car i was eager for a test drive, i test drove the car and it drove kinda rough, i was still interested, i had {$1000.00} in cash as a down payment, the dealer told me they will put {$1500.00} on the credit application and told me to pay them back the rest when i get paid again from my job, they also added on the application that i was self employed, i didnt really know what to do or say so i agreed with everything, i left with the car with a paper tag, i then got home, where my child was with my mother, i was putting my child in the car and reach for the rear seatbelt, there were no seatbelts in the rear at all, and also in trunk there was sooo much damage so obviously the car was in a accident before me i was in shock and immediately went to call the dealer ship, no answer, i left a text message and didnt get a response til the next day, the message i got said they have someone to install the seatbelts for me, mind you the radio speakers didnt work at all so they said they will fix both at the same day, that was a lie, after 2 months of lying to me about actually getting them fixed, they finalized reached out to me and wanted to help me with my issues with the car, by the time i got the seatbelts fixed my front headlights stopped working out of nowhere and i had to drive at night like that, and the car wouldnt go over 20 mph and sometimes wouldnt start at all, and the worst part of all of this, the car smelled wet everytime it rained outside and began to grow mold right under my childs car seat adapter!!!! after that i stopped driving the car, i grew tired of the issues so i decided to surrender the vehicle, i was paying {$440.00} for this vehicle every month, the vehicle is a XXXX XXXXXXXX XXXX. this has caused me emotional distress, and XXXX because im stressing over a vehicle thats not even worth it and now i have no vehicle and they still want me to pay the {$10000.00} remaining balance on the vehicle loan
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

Navy federal sent my credit card debt to a company called XXXX XXXX XXXX XXXX I called the number XXXX today at XXXXXXXX XXXX Thursday XX/XX/XXXX. I requested to access my debt online to make payments. I also requested a statement sent to my house. they said no and that I can only pay it in full, over the phone. My debt is over {$8000.00} so I can not pay a debt that large over the phone in that manner!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, THESE ACCOUNTS HAVE NEVER BEEN LATE, PLEASE CORRECT TO SHOW PAID AS AGREED, NEVER LATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After noticing multiple errors and inaccuracies and notifying both equifax and cfpb There are still inaccuracies and incorrect information being displayed on my report My name is only spelled and reads XXXX XXXX XXXX, Employed should only read XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the address should reflect XXXX XXXX XXXX XXXX XXXX Md XXXX, XXXX XXXX XXXX XXXX Md XXXX and XXXX XXXX XXXX XXXX Md XXXX. XXXX XXXX is a fraudulent address There is also still an inquiry from XXXX XXXX XXXX which was not authorized by me. 
No phone number should be listed as I prefer in person contact to avoid any confusion involving my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Me and my Girlfriend are currently still facing identity theft and are constantly being attacked by whoever has my information I have been battling with identity theft since XXXX and the equifax data breach has only made it worse for myself and now my girlfriend who is now finding unauthorized accounts and more under her name she did not even know existed.
Product: Student loan

Hello, this is a follow-up to XXXX. In Nelnet 's response, I was advised the following : If you would like us to reallocate your XX/XX/year>, payment to have a portion of it applied to your subsidized loan balance, please contact us to make the request and advise the amount that should be allocated to each loan. I submitted a request through the Nelnet account portal with the following information : Hello, XX/XX/XXXX payment- please apply {$610.00} to loan XXXX and {$610.00} to loan XXXX. XX/XX/XXXX payment- please apply {$520.00} to loan XXXX and {$520.00} to loan XXXX. If you can't do this, please advise how I can direct payment to the interest accumulated on my account. I know this is from the XX/XX/XXXX payment not being applied to loan XXXX. In the payer options, we can only select the XXXX XXXX. We need a way to apply payment to each loan ( loan XXXX and loan XXXX ) on a go-forward basis. Thanks! What I received back was a boilerplate, template response from customer service on how to make payments. I know how to make payments, I know we have to pay at least the minimum payment ( which we are paying nearly double the minimum ), I know how to select loan groups, I know how interest works, I know what the XXXX plan is, I know not to advance payment date, etc. Please stop sending me information that is not helpful to my specific situation and request. Attached is the letter from Nelnet from the prior complaint as well as the response from Nelnet from my customer service inquiry about payment allocation.
Product: Credit reporting or other personal consumer reports

There is an item that shows up from two of the credit bureaus. It is a large line of credit on a credit card, about half my annual salary. When I inquired, I was told that I was an authorized user on the account. The problem is that I dont even know who the card holder was, and I have no way to contact them. A letter from XXXX, which has the account, tells me to call a number which is automated in order to reach someone. This would require me to be privy to information I never had, including a PIN number and a social security number. So I have no way to reach the cardholder and ask that I be removed as an authorized user, and I do not have the card, so have no way to use the card anyway, and I have no identifying information to get through to customer service to request further action.
Product: Checking or savings account

Monday XX/XX/XXXX, @ approximately XXXX I checked my personal email to received an email from my personal bank ( Wells Fargo ) stating that my checking account has reached XXXX and drafted over to my savings. Prior to this notification I had {$4200.00} in my checking account and {$3300.00} in my savings account. I admittedly drove over to the nearest Wells Fargo to find out what has happened. While I was there I called the Wells Fargo fraud department to open a claim ( claim no. XXXX ). After 10 days of Wells Fargo investigation my claim was denied and closed, due to an approved transaction made by my mobile device. I was told that I need to take matters in my own hands and reach out to the merchanise for my money back. These transactions were not approved by me. There were over XXXX transactions with the same merchandise located in New York, while I am in California. An email was sent out for a fraud detection on XXXX @ XXXX. The email stated that the transaction of XXXX XXXX was declined. The next day, several emails was sent on XXXX from XXXX ( twice ) XXXX, XXXX, XXXX, XXXX, and XXXX that the transaction for XXXX XXXX  was declined. After the claim was made I looked over the transactions. Listed are the transactions that I did not approved of. 

XXXX XXXX ( Location : XXXX, CA ) XXXX XXXX charges were on XX/XX/XXXX total amount of {$15.00} XXXX XXXX  ( Location : XXXX XXXX CA ) ( XXXX ) XXXX charges were on XXXX total amount of {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY ) XXXX XXXX ) XXXX charges were on XXXX total amount of {$150.00} XXXX  ( XXXX XXXX Location : XXXX XXXX XXXX XXXX, New Jersey XXXX charges were XXXX XXXX total amount of ~ {$6000.00} After my claim was denied and closed, on Friday XXXX around XXXX I did my own investigation and was able to input my credit card number into squareup.com/receipts and found the address of XXXX XXXX Each transactions was linked to XXXX XXXX XXXX XXXX, New Jersey which is a home address after searching on XXXX XXXX 
I then called the XXXX XXXX XXXX the same night and asked for some information which quickly lead to them saying they dont speak XXXX and I should call back in XXXX mins. XXXX minutes goes by, no answer. I then received a text from the bakery saying Im on my way. I called back admittedly and no response. Called XXXX more times and no answer. 

Next day, I drove over to the police department to file a police report for fraudant unauthorized transfer. They are still doing their investigation but it is an urgent situation and I need more help!! Please help me get my money back and stop this theft! As a loyal customer of Wells Fargo, they did not protect me from becoming a victim of a scam. I need justice to stop this from other victims and reimburse me the money that was taken without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX and XXXX and XXXX of XXXX, I sent a package to XXXX  and Experian and XXXX indicating that this account wasn't mine and the Attorney who is Representing XXXX XXXX is Lying about the amount that is claiming to be owed. I never received a response about it.