23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage serviced by roundpoint. Mortgage company XXXX XXXX House appraised on XX/XX/XXXXXXXX  for {$470000.00} Purchased on XX/XX/XXXXXXXX  for {$460000.00} Roundpoint list value of home at {$470000.00} Current remaining amount on mortgage {$360000.00} LTV 77.8 % ( based on mortgage listed value and appraised value ) Called roundpoint to confirm amount of mortgage needed to be paid down to remove PMI. was on call over an hour before giving up and hanging up. Told they were unable to provide that amount. Then provided an amount that was >30 % total of mortgage. Found a calculator on their website and discussed with individual and she continued to insist must pay >30 %. Calculated myself 20 % payoff and 22 % payoff and paid off this amount as listed above. I have also paid in full mortgage every month. Submitted form for PMI removal. XXXX XXXX denied removal and requested pay for house appraisal. House appraised less than 120 days ago and have met 77.8 % LTV of value. Again called roundpoint to request removal. They stated I must pay an additional {$63000.00} ( 35 % of original valuation ) to be removed or pay for the house to be reappraised. They reported this was directly from XXXX XXXX  and there was nothing they could do about it. Were unable to answer why the 20 % payment and 22 % payment as laid out by their documents as well as the HomeOwners Protection Act of 1998 respectively was not being followed. Request removal of PMI for loan reaching <78 % LTV
Product: Mortgage

I have filed numerous complaints with the CHPB regarding my XXXX mortgages that i previously had with Wells Fargo loan XXXX and XXXX regarding properties XXXX XXXX XXXX XXXX MN XXXX and XXXX XXXX XXXX. XXXX MN XXXX. 

wells Fargo tried to foreclose on these properties back in XXXX. I had originally taken wells Fargo to court in XXXX and i won my case. 

XXXX XXXX ruled in my favor and had to contact wells Fargo several times after that to undo my foreclosure In about XXXX wells Fargo again tried to foreclose on my houses and would consistently deny my loan modification nor admit any wrong doing.. after many attempts Wells Fargo did a loan modification on my property at XXXX XXXX XXXX XXXX XXXX however, any monies that were in question were rolled over into the new loan. 

My property at XXXX XXXX XXXX was a different story. they refused to do a loan modification on my my house and i had to have it sold by a specific date. the house went to the Sherriff sale and went back to wells Fargo. I had to end up doing an emergency bankruptcy on my house to prevent this. i went through every process with WF Bank. the refused to admit any wrong doing with my payments. i showed proof and the result was the same. they pit the proof of burden on me when i had already showed them my payments and they had my ban statements. I've tried to go back to court, but most lawyers wont touch the bank or want more money than i have for a retainer or lawyer fees. I had to end selling my house for less than i could have gotten for the house and now the partial bankruptcy is on my credit file. there is a XXXX XXXX dollar fine against wells Fargo. i need to be part of the class action lawsuit against Wells Fargo. as the robbed me of my house my money and my credit plus all the anguish they caused me. They are the Devil.. my loan numbers were different prior to the current loan numbers. please contact me with anything that you may need from me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX last XXXX social XXXX
Product: Checking or savings account

Chase Bank closed my accounts without warning or explanation. Then when I went to get my funds they have refused to release them to me. Basically theft!
Product: Debt collection

I have been the victim of tax fraud and identity theft unknowingly since XXXX and XXXX. A debt collector appeared on my credit profile and I would like to exercise ( 15 USC 1692C ) for immediate cease and desist.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX refunded me my purchase of a ticket for customer service issues. NAVY FEDERAL CREDIT UNION has yet to issue me a check for the funds from the credit back to my closed account. This is the same account whom they contacted you the CFPB, and told you that they credited a XXXX USD credit back to my account and waived it and told you my account was officially closed. This credit was issued back to my account shortly after NAVY FEDERAL CREDIT UNION issued a message to the CFPB about this same account being officially closed with me owing them NOTHING. I contacted them on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and each time they told me debit card services processed the check and sent it out and the truth was THEY NEVER SENT IT OUT. I am writing for them to be required to send it out because they don't have any reason to hold my check and they even told the CFPB this in there statement in response to my previous complaint last month.
Product: Debt collection

I have been sending this company XXXX each month via mail for over a year now. They will not return phone calls or give me a balance owed. They hang up on me and curse me out when I call to get the information on my account called XXXX XXXX XXXX and XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I cancelled a purchase I made with XXXX XXXX. I have a document from the title company that says the contract was cancelled. In the contract, XXXX XXXX started a XXXX credit card and put {$9000.00} on it and when the contract was cancelled they claimed they could still charge me {$1000.00} promotional fee even though I didn't receive anything. When I found this out I started a dispute with XXXX in XXXX after I got a bill. My dispute is I cancelled the contract, so XXXX cant still charge me for the contract. I received a letter dated XX/XX/XXXX that acknowledged I had started a dispute. On documents dated XX/XX/XXXX and XX/XX/XXXX I received documents that stated they were investigating my dispute and would contact me if they needed additional information. On a document dated XX/XX/XXXX, XXXX said I didn't give them enough information and where rejecting my complaint. I called XXXX in the first week of XXXX, XXXX, to ask about what information they needed and that they hadn't asked for any information and hadn't given me any time to submit the information they needed. In the phone call they said a manager would call me within 48 hours to talk about the situation, but no one has ever called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW ADVERSE ACTONS You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental stress, and XXXX. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party. I am demanding that this information be removed soon as possible. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This information is not accurate INDIVIDUAL ACTIONS - 15 USC 1691a1-3 1591b1-5.. I DEMAND AN INVOICE FOR REMEDY AND EXTENSION OF MY CREDIT AS AN FEDERAL RIGHT BY CONGRESS FOR UNEQUIVOCAL ACTIONS **NOTICE**PLEASE RESPOND IN LAWFUL MANOR ( REMEDY INCLUDED ) LAST CHANCE OF PRIVATE ADMINISTRATION PROCESS BEFORE FILING FEDERAL LAWSUIT!
Product: Debt collection

I 'm not sure who this Company is but I received a unauthorized debit on my credit card from this company.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : 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 instruction

s 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am compelled to bring to your attention the consistent disregard by the Credit Bureaus for my requests to remove fraudulent items from my credit file. Despite repeated appeals, they have chosen to ignore my communications in direct violation of the Fair Credit Reporting Act, 15 USC Section 1681i, within the legally prescribed timeframe. This deliberate and conscious disregard for federal statutes demonstrates a concerning lack of compliance. Their obstinate refusal to verify information, despite my extensive efforts to resolve the matter directly with the creditor, represents a clear display of willful negligence. The following items, outlined below, continue to be erroneously listed on my credit report, exacerbating the injustice and distress caused by the bureaus ' inexcusable conduct : -- XXXX -- XXXX XXXX XXXX XXXX Balance : {$0.00} -- EQUIFAX -- XXXX XXXX XXXX XXXX XXXX : {$0.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon CFPB complaint completion on XX/XX/2022, Creditor and Consumer agreed to delete account. Dispute was opened with XXXX to delete account and pertinent documents were uploaded for validation. XXXX deleted account, XXXX DID NOT delete account and closed the dispute. I called multiple times and they just want to open another dispute, which is ridiculous! This is a USC 1681i - Procedure in case of disputed accuracy AND 15 USC 1681i ( 5 ) ( A ) ( i ). 15 USC 1681 states that I have a right to privacy. 




XXXX XXXX Home Mortgage  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my credit report and seen some inaccuracies on my credit file
Product: Debt collection

Never received debit they say I owed medicaid paid bill medical insurance debt not valid on XXXX XXXX XXXX  on collections they will not remove reported debt an open debt 6 years old please remove I been disputing it for 6 month my rights has been violated
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes for collection accounts on my credit report online and over the phone. I sent a copy of the letter from one account stating XXXX Account # XXXX was investigated and is to be deleted. When I spoke with XXXX rep I was told it doesn't make a difference and I have to wait till it drops of next year. I informed him that's it's in writing that it is to be removed from my credit report I spoke with rep on XX/XX/19. I also uploaded docs to them. Portfolio Recovery # XXXX XXXX is to be deleted from my credit report. 

In addition my credit score dropped 26 points after disputing I called XXXX and asked why I was not given a clear answer I was transferred to two different departments and dispute department rep was rude and did not explain why my score dropped. I was told my score would not decrease my disputing collection accounts. I was missing informed and not provided a clear answer and my credit score dropped for unknown reason with XXXX. 

XXXX did not explain to me the reason why my score dropped 26 points and refused to delete XXXX account although I have letter stating it is to be removed after investigation XX/XX/19. XXXX did not explain why my score dropped 26 points after my disputing items that have been on my credit already.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection
Product: Credit card or prepaid card

I have an inactive Macy 's Amex credit card. My monthly payment has quadrupled to a tune of over {$2000.00} per month. I was manageable when my bill was {$250.00}, but then it went up and I tried to call them and ask for assistance, but they have refused and stated that I must close my account before they can help. This will hurt my credit. I have tried to make payments as much as I could but I can not catch up to making a {$2000.00} plus payment monthly and they refuse to help me.
Product: Credit card or prepaid card

On XX/XX/2021 while on vacation in XXXX my credit card was stolen while at a restaurant. I was unaware that it was taken until I got home on XX/XX/XXXX after the limit was already spent. Ive explained to them that I had two cards with the same account number because chase had upgraded my slate card to freedom unlimited. I have sent them photos of my chase slate card to prove that I still have that one and thats what I used to try and make a purchase at a restaurant near my house. I have spend hours calling and being put on hold. Ive sent photos that supported my statements showing I wasnt in XXXX and couldnt have made purchases at XXXX and a jewelry store. I was in the process of applying for a loan to purchase a home while this has been going on and it significantly impacted my credit score. I have filed police reports and proceeded everything they have asked for. I have been told I would receive a phone call back the same day multiple times and I have not.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report as provided by the bureau. The account in question is with XXXX XXXX XXXX, account number XXXX. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), your bureau is required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports. 

Upon reviewing my credit report, I have identified numerous inaccuracies associated with the above-referenced account. These inaccuracies are significantly affecting my credit score and my ability to obtain credit. Specifically, the following errors have been noted : incorrect payment history, incorrect balance, incorrect account status, etc. ]
Product: Checking or savings account

On XXXX XXXX I went to go purchase something at the store when my card was declined I went home check my bank account online stated that I have negative {$130.00} taken out of my account I contacted Santander Bank they told me courtesy of not having enough in my checking 's account they went upon themselves and paid for item I did not authorize them to pay for was so offended I contacted XXXX to find out when was the billing date that I was charged for the item XXXX XXXX told me they charge me on the XXXX of XXXX santandera is saying that they charged me on the XXXX of XXXX I would like my refund of {$130.00} I also have the voice recordings of both statements of each company
Product: Student loan

I have just finished my XXXX degree and according to the US Department of Educafip. Exit loan interview, a six month deferment should be granted. NAVIENT is not following the guidsXXXX establish by the USDOE and had my first payments due XX/XX/XXXX. They sent me no documentation and I found out about having to pay when they called me stating I was past due. I have attached a screen shot showing my next payment due is XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XXXX XXXX, 2017 and I have not heard from XXXX or XXXX at all regarding these matters. Additionally, Experian 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a  violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I withdrew {$1000.00} in XXXX from my Grain credit card. I set my payments up on autopay so I wouldn't have to worry about them because I'm very busy! Well, Grain has a problem with their platform they use to connect their customers bank accounts for autopay. It keeps disconnecting the bank account which caused 3 missed payments. When I checked my bank account and saw that Grain had not been deducting my autopay payments, that's when I reached out to them to find out what was going on. I've tried to call them with no success. I've sent emails and they respond back when they feel like it. They have reported my payments late on my credit report and have messed up my perfect payment history.
Product: Credit reporting or other personal consumer reports

I was XXXXXXXX XXXX and lost my card so I called to make a payment over the phone and they refused debit card payment and it was my only way to pay and when I tried to resolve the issue the dug into my past payments and reported me agian for missed payments from 7 years ago
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXXXXXX auto finan Account # XXXX date opened XX/XX/XXXX bal. {$36000.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$17000.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$1600.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1300.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXX XXXXXXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX XXXX XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : **** date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXXcount # : XXXX** date opened XX/XX/XXXX XXXX {$530.00} XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$390.00}, XXXX XXXXXXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$230.00}, sXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX XXXX Account # : XXXX date opened XXXX, XXXX Account # : **** date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # XXXX XX/XX/XXXX bal. {$0.00}. Inquiries : oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX. I submitted a dispute on XX/XX/year>. Experian refuse to remove all the inaccurate name and address. 

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

I have 3 credit card accounts with Citi Bank and need to refinance my home to pay off the balances. Citi BankXX/XX/XXXXrevised my revolving credit and decreased the available credit due to the following reasons : ( 1 ) late payment ( 1 Day ), Paying low portion and balance is high. I paid the full balance and closed one account. Before the Pandemic my credit score was XXXX and I paid all of my accounts on time. My business is struggling during Covid 19 and I was late ( 1 day ) making a payment on my Citi credit card due to a client paying late on an invoice. 

Citi Card will not lower my interest rate and decreased my credit balance which caused my credit score to go down. Because of Citi Card unfair credit practices I am forced to pay a high interest rates and can not pay off the balances on my accounts.