23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern : On or about XX/XX/XXXX I called Citi Mortgage in order to make a request for the canceling of the PMI in my home mortgage. On XXXX I received correspondence from Citi Mortgage and it stated that as a requirement of the canceling of the Principle Mortgage Insurance ( PMI ) in my mortgage loan that my loan to value ( LTV ) would have to be at or below 75 %. This is in contradiction of the information given on the Consumer Financial Protection Bureau 's web site which states : These rules apply to mortgages closed on or after XX/XX/XXXX. Federal law generally provides XXXX ways for you to remove PMI from your home loan : canceling PMI or PMI termination. 
( My loan closed after this date ) The Homeowners Protection Act gives you the right to request that your lender cancel PMI when you have reached the date when the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. 
( It goes on to say ) Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. 
I want this benefit and upon pointing this out to a Citi Mortgage Representative # XXXX on XX/XX/XXXX to no avail I was told by her that 75 % is the rate at which I can obtain the canceling of the PMI in my mortgage lo
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX , Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number 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 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. 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

Equifax has been reported to by XXXX XXXX XXXX XXXX XXXX XXXX is reporting a late payment that occurred during the CARES Act FCRA accommodation period. Despite being current on payments during this period, an accommodation was granted and payments were brought up to date, yet they still show a 30-day late payment. According to the CARES Act, if a consumer was current on their obligation at the time of an accommodation approval, the account must be reported as current as long as the consumer is complying with the accommodation agreement. Additionally, if a delinquent consumer catches up during the accommodation period, the creditor must report the consumer as current. I have attempted to resolve this discrepancy multiple times with XXXX, XXXX, and Equifax. In XX/XX/2023, I disputed this and requested verification that my late payment did not meet the CARES Act FCRA amendments. 

Equifax continues to ignore the CARES acts amendments in regards to late payments
Product: Credit reporting or other personal consumer reports

I have contacted each credit bureau ( Experian, XXXX, and Experian ) in reference to the three accounts that are listed on my credit report from Department of Education. My credit report from all three bureaus are reporting lates for XXXX, XXXX, XXXX, and XXXX of XXXX. I have disputed with each bureau stating the information is inaccurate.Today, XX/XX/XXXX, I call the number to XXXX XXXX XXXX listed on my credit report. I spoke with a representative that stated, the number on my credit report is the true furnisher which is XXXX. XXXX XXXX servicer reports to XXXX XXXX XXXX in turns reports to the credit bureau. The young lady stated she is a customer service rep from XXXX XXXX XXXX. She explained the accounts that are reporting on my credit report are : ( XXXX XXXX XXXX XXXX XXXX in the amount of {$1900.00}, ( XXXX XXXX XXXX XXXX XXXX in the amount of {$3600.00}, ( XXXX XXXX XXXX XXXX XXXX in the amount of {$5100.00} are all under one account and the furnisher again is not XXXX XXXX XXXX, but is XXXX. For the purpose of accounts for the consumer it is listed as separate accounts on the credit report. The representative stated, there is NO reporting of any notes on the account that reference anyone calling from either credit bureau to verify information on these accounts. Also, the representative from XXXX advised " if on your credit report is reporting from each bureau stating the furnisher has verify information you reported is accurate, this is false information. This can not be true because looking at your account, there is no data information, no files, or documents for XXXX ; therefore, neither one of the credit bureau could have verified the lates. '' According to 15 U.S. Code 1692g ( a ) in the section of the Fair Debt Collection Practices Act ( FDCPA ), Dept of Education was not able to validate any documents for the student loan account in XXXX. This is questionable as to why Experian, XXXX, and XXXX would state under their investigation that the information disputed has been verified as accurate when there is not documents/files to verify for XXXX? This is a violation as the investigation was not done thoroughly but by an auto system that uses software to gather information. This is defamation of character and a violation of the Fair Credit Reporting ACT. Again, Experian, XXXX and XXXX have violated 15 U.S. Code 1681i ( a ) ( 5 ) : which this part of the FCRA specifies that if, after an investigation, the information is found to be inaccurate or can not be verified, it must be deleted from the credit report.
Product: Credit card or prepaid card

On XX/XX/2016, we made a purchase with XXXX XXXX in the amount of {$1700.00}, which included a {$150.00} fee to be eligible for a 24 month, 0 % interest, equal payment plan on the purchase. The monthly amount due was {$76.00}, more than enough to satisfy the purchase within the 24 months. 
This month, when we went to pay our bill online ( we do not receive paper statements ), we discovered that promotion is ending, but instead of owing {$76.00} or less, we owe more than {$180.00} on the purchase! 
When we looked at our online statements, that's when we realized XXXX XXXX XXXX has been applying our payments to subsequent purchases at amounts which now makes it appear we haven't been paying enough on the original purchase ( when we have ). When I called to find out why they were applying our payments in this way, both representatives argued with me. First, XXXX told me that's just how they apply payments. When I asked to be transferred to a manager, XXXX gave me 2 lies -- the first being that we aren't incurring any interest ( ignoring the fact that we will begin to accrue interest when the balance isn't satisfied in full on XX/XX/XXXX, despite having paid {$150.00} to have equal payments to avoid the threat of interest ), and the second that the {$150.00} fee wasn't included in the {$1700.00}. 
Now, our option is to pay the {$130.00} minimum payment ( which includes subsequent purchases subject to the same terms with an additional {$150.00} fee ) and incur interest on the outstanding balance owed for the first purchase OR pay {$130.00} PLUS the {$180.00} which means the {$150.00} fee was a lie because XXXX XXXX XXXX didn't do as promised and calculate 24 equal payments for us to avoid having to incur or pay interest.
Product: Consumer Loan

I have requested that Regional Finance not call my place of work. Which is a government agency, I have requested no calls to my work number on several occasions. Today makes the 15th call. I spoke with XXXX on XXXX/XXXX/16, I requested no call to my work number. XXXX from Regional Finance has continued to call, and she disclosed my personal debt to a co worker. These types of practices will not be tolerated. The company is Regional Finance located on XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX, XXXX, and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and DISCOVERBANK with no successful resolution. There was definitely an error on their part.
Product: Debt collection

The collection agency XXXX XXXX  XXXX, is harassing me, and refuses to work with me in order to stop the wage garnishment that they are taking from each paycheck. XXXX XXXX   XXXX has taken over my student loans from XXXX XXXX XXXX XXXX. 

When I have called them to discuss options for stopping the wage garnishment, I am always given different information, and different amounts I will need to pay before the garnishment can stop. 

I was told that as part of their loan rehabilitation program, if I made 5 consecutive monthly payments, they would stop the garnishment. I was told, based on my income, that I qualified for the minimum monthly payment, {$5.00}. I was not asked about my husband 's income, if we filed our income taxes together or separate, or any of that. I was only asked for MY annual income. 

About a month later, I was told that based on my family 's income, I did not qualify for the minimum monthly payment, so in addition to the wage garnishment, I would have to make monthly payments of around {$90.00}. I told them I could not afford that, and I ended the phone call. 

I continued to make the {$5.00} payments that I had originally agreed to. 

About 5 months later, I called asking them to stop the garnishment, since I had been making the {$5.00} payments every month. I was told that the loan rehabilitation program had not been officially agreed to, because they were unable to send me the required paperwork, since I had previously told them not to contact me, as it was borderline harassment. In addition, they told me I could restart with that program, but I would need to pay {$31.00} a month, while they continued to garnish my salary. 

I told them that I could not afford this, as the cost of my health insurance for myself and my family had gone up. I told them I was willing to pay $ XXXX month, as long as the garnishment stopped. They would not accept this, and I ended the call. 

The company is not willing to work with me, when I have told them that my cost of living has gone up. With my hourly rate of $ XXXX, I can not afford to have 10 % taken from each of my paychecks. I have told them, and shown that I am willing to make monthly payments, but they are not willing to assist me or work with me on this matter.
Product: Checking or savings account

I opened a BMO Harris Smart Advantage Checking Account on XX/XX/XXXX. There was {$400.00} bonus if I met the requirements. The requirements were {$6000.00} in direct deposits within 150 days, turn on paperless statements within 150 days, 10 debit cards transactions within 150 days. I met all of these. The direct deposits came from XXXX. All the requirements were met by XX/XX/XXXX. I messaged BMO Harris twice - once in XXXX and once in XXXX and got no response. I called them on XX/XX/XXXX and was informed I didn't meet the requirements, but wouldn't tell me which one ( of the 3 ). I complained further that day and talked to someone higher up. Eventually they said I met the requirements and I would get the {$400.00} within 2 weeks. On XX/XX/XXXX ( 15 days later ), I still hadn't received the {$400.00}. So I called BMO Harris and they said they asked for further proof of the direct deposits. I never received any message about this.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding the personal information listed on my credit report, which I believe to be inaccurate. After thoroughly reviewing my credit report, I have identified discrepancies that require your attention. I have sent multiple letters to your bureau about this matter, but as of now, I haven't received any positive feedback from them. I am now filing this complaint on your website, hoping there's a big chance to resolve this matter. 

The following inaccuracies in the personal information are listed below : EMPLOYER : XXXX EMPLOYER : XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I hereby request that you investigate these discrepancies and promptly remove the inaccurate personal information from my credit report. I have enclosed copies of documents supporting my claim for your review.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Denifits LLC XXXX XXXX XXXX # XXXX XXXX, CA XXXX Consumers Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my XXXX credit report regarding an open account with Denifits LLC . The account in question is marked as late and has caused me distress due to harassment and threats from Denifits LLC. 

I request clarification on the type of account and accurate reporting of its status, as it is neither in collections nor charged off but has been marked as late since 2022. The lack of clarity and completeness in reporting this account has the potential to negatively impact my creditworthiness. 

I am requesting a thorough investigation into this matter and urge XXXX to update the information on my credit report to accurately reflect the status and type of account in question. I also request that XXXX provide me with a copy of my updated credit report once the investigation is complete. 

I also believe that Denifits LLC has violated the Fair Debt Collection Practices Act FDCPA by engaging in harassing behavior, including non-stop calls and threatening messages. Additionally, the reporting of this account as late on my credit report has further exacerbated the situation. 

I request that XXXX conduct a thorough investigation into this matter and take appropriate action to rectify the inaccurate reporting of this account. Specifically, I ask that XXXX ensure compliance with the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) Section 611 : Requires credit reporting agencies to investigate disputed information and correct inaccuracies.

Section 623 : Requires furnishers of information, such as Denifits LLC, to provide accurate and complete information to credit reporting agencies. 

2. Fair Debt Collection Practices Act ( FDCPA ) Prohibits debt collectors from engaging in harassing or abusive behavior, including threats of adverse credit reporting. 

I request that XXXX conduct a thorough investigation into the reporting of this account and ensure compliance with the Fair Credit Reporting Act ( FCRA ). Additionally, I request Denifits LLC to cease all communication with me via phone calls, text messages, and emails or postal, as their behavior violates my rights under the FDCPA and TCPA.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. I appreciate your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting act XXXX Account # 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 instruction.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent activity, this is hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. CAPITAL ONE BANK USA ( Opened XX/XX/2011 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Credit reporting or other personal consumer reports

It was incredibly frustrating to discover unauthorized inquiries on my credit report this morning, especially when I have no idea why theyre there. I routinely check my credit report, but this time, discrepancies appeared out of nowhere. I refreshed my browser multiple times, thinking it might be a temporary error, but nothing changed. Please check the documents Ive submitted thoroughly, as I need this resolved immediately so I can stop stressing over it.
Product: Money transfer, virtual currency, or money service

Since XXXX of XXXX I have been reaching out to XXXX XXXX regards to me not being able to access my account due to an email that was linked to a college that no longer is existent. I have sent countless emails to have my password reset as well as sent information to prove that I am the account holder i.e State ID, account information and mail. The emails remain the same, stating that they have been trying to reach me and have not heard from me in seven days and close my request every time. There is no way to contact them over the phone. The individuals who send the emails, names change periodically. This has been a major inconvenience where I thought I was using an app to save money, to only have my money held hostage. The last I used my account was XX/XX/2021, since then I have received text stating my connection to my bank has been disconnected to the app where I attempted to re-connect every time which has been very difficult. I have text messages to prove from month to month I attempted to connect my account. I sent my First email in XXXX of XXXX and the again the back and forth continues with 30 messages. I have {$7500.00} that is linked to this account where I need the funds as soon as possible. I have mentioned taking legal action and still nothing has changed. The most current email was sent to me XX/XX/2021 with the same statements as above. I would like to handle and expedite this ordeal as soon as possible. Thank you in advance for you assistance. 

Best Regards, XXXX
Product: Checking or savings account

Truist bank decided to close my bank account I had funds remaining in the account When I went to the bank to figure out what was going on all I was told is that truist decided to end a banking relationship with me I would like to restore this banking relationship as soon as possible As a police officer I need to bank with the closest bank thats to my house which is Truist So I would like to restore this banking relationship as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the following negative items listed in my file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00}
Product: Credit reporting or other personal consumer reports

My ex husband fraudulently used my social security to obtain a loan from USAA ENDING in XXXX act # XXXX I did not authorize this loan or co sign. I would like this matter removed from my credit report including all late payments, collection account from USAA and XXXX XXXX XXXX XXXX removed from my credit report. I was recently made aware when I recently pulled my credit and was Denied a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC. is reporting inaccurate and unverifiable information and has effected my lively hood. Because of this I have been denied jobs, housing and credit lines. Below I have attached a screen shot of the accounts that are inaccurately reporting per consumer protection law.
Product: Checking or savings account

I paid for concert tickets from my checking account over 9 months. The monies were taken out each month, then I did XXXX separate charges for additional tickets and a camping site. Two months before the XXXX XXXX XXXX XXXX IN VIRGINIA, I had to go to a work meeting, so I sold the tickets through XXXX XXXX XXXX XXXXXXXX XXXX  WEBSITE TO : XXXX, THIS IS WHO THEY USE. THE TICKETS WERE SOLD BY XXXX 
My tickets sold in less than 2 mins. i was immediately emailed that I would get my refund of {$3100.00} on XX/XX/2023, AFTER THE CONCERT. my tickets were sold to another person. The concert was from XX/XX/XXXX through the XXXX. 2023 I NEVER RECEIVED MY MONEY BACK. I HAVE THE EMAIL THAT STATES IT WOULD BE RETURNED VIA XXXX, WHICH WAS FINE BUT I NEVER RECEIVED IT. I HAVE EMAILED AND CALLED ALL THREE PARTIES WITH NO HELP OR ANSWERS. I FILED A CLAIM WITH TRUIST BANK AND THEY DENIED IT. WHICH IS CRAZY BECAUSE I PAID FOR A SERVICE I NEVER GOT. I HAVE ALL THE EMAILS, THE POSTS THAT THE CONCERT VENUE POSTED, ETC. I NEED MY HARD-EARNED MONEY RETURNED TO ME. PLEASE HELP ME. It is now XX/XX/2023, and I have had no money returned, replies, or help. How can this be legal? I am reading that many of the concertgoers are getting their money back. I am so upset my bank will not help me.