23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Borrower : XXXX XXXX, Property : XXXX XXXX XXXX XXXX, CA, XXXX. 
Loan number : XXXX On early XX/XX/XXXX, writer requested via phone requesting cancellation of private mortgage insurance ( PMI ). 
By XX/XX/XXXX, The Money Source ( TMS ) sent a letter regarding the conditions to be met before PMI can be cancelled. I opted to go for request based on Original Value. I sent a {$200.00} dollar cheque for Broker Price Opinion.  Nothing happened. 
On XX/XX/XXXX writer made a call to customer service ( talked to XXXX -supervisor ) made a follow up on my PMI cancellation application. XXXX said they will escalate my inquiry. 
XX/XX/XXXX, writer called customer service department regarding third party appraiser did not come in. Representative said " I ca n't do anything ''. 
On XX/XX/XXXX, a third party company came to the property to take pictures. 
On XX/XX/XXXX, writer made a follow up on PMI cancellation application and the representative said " I will escalate that inquiry to my supervisor. You should be receiving a letter after 30 days after the 3rd party appraiser visited your property ''. 
On XX/XX/XXXX, writer made a follow-up and said " I will escalate your request ''. 
Nothing happened. Frustrated. 
I know I will qualify for PMI cancellation based on Original value because my LTV ratio is below 80 percent and I am up to date on my monthly payments. I need your help to expedite my request as TMS is using a delaying tactic. 
Thanks a lot.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from Transunion and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have any records of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA, I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

T

hese accounts are in violation of the FCRA and Metro 2 Compliant reporting standards and according to FCRA this is a violation of my rights. I checked my report and noticed multiple billing errors under 15 USC code 1666 b billing error - the creditor 's failure to reflect properly, a payment made by the obligor or a credit issued to the obligor. The creditor did not notify me 21 days before with a statement so there should be no late payment on these accounts. I demanded to the creditors to see hard solid proof that the accounts were not paid and deemed late because of billing error. These accounts should state paid and closed with no late payments on my credit report. 


XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative
Product: Credit reporting, credit repair services, or other personal consumer reports

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting, credit repair services, 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 confidentially under 15USC 1681. 
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 XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPTEDXXXX XXXX DPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 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 ) Sections 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 card or prepaid card

The company made a payment to my account without my authorization. On XX/XX/16 a payment was posted on my account i didn't authorize for {$200.00}.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and Experian, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

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

My Experian report shows a inquiry from  XXXX   XXXX  that I did not authorize.
Product: Debt collection

I have paid my monthly payment due on the XXXX of the month. Paid on the XXXX of month due to holiday. This company has repeatedly called my home phone for debt collection starting XXXX. My loan is current and up to date. I called they would not speak with me. I asked them to do not call anymore.
Product: Credit card or prepaid card

Received Target, 'REDcard ' in mail to my home on XXXX. This card was sent without any of my knowledge of opening this account. I phoned card services on XXXX and learned of balance of {$1400.00}. Connected with Fraud Department. Card cancelled. Apparently, based on information shared with Fraud Department, the Target store issued credit based on my stolen drivers license from XXXX XXXX. 

Fraud Department said on phone they are mailing me questionnaire to conduct fraud investigation.
Product: Credit card

Hi, This is related to the Synchrony Bank connected to Amazon, since the application was started on XX/XX/XXXX, there has been a number of instances were I felt mislead by this bank, which never responded a call, only via chat. 
In some point I was paying for insurance to what I understood, it was meant to be use in case of financial distressed. Via chat I requested the use of this insurance and I said, if I remember correctly, : I want to use this insurance now because I have trouble making the payments, otherwise what is the point of paying this excessive fees '' I don't remember exactly what the answer was from the person in the other side of the chat or the responder, but later I found out that the fees or monthly payment for the insurance were removed, but, I didn't received any letter or call letting me know about this decision. Hi, This is related to the Synchrony Bank connected to Amazon, since the application was started on XX/XX/XXXX, there has been a number of instances were I felt mislead by this bank, which never responded a call, only via chat. 
In some point I was paying for insurance to what I understood, it was meant to be use in case of financial distressed. Via chat I requested the use of this insurance and I said, if I remember correctly, : I want to use this insurance now because I have trouble making the payments, otherwise what is the point of paying this excessive fees '' I don't remember exactly what the answer was from the person in the other side of the chat or the responder, but later I found out that the fees or monthly payment for the insurance were removed, but, I didn't received any letter or call letting me know about this decision. I think all the money that i pay for that insurance should be return back to me and part of my debt reduce or eliminated considerably. Ever since, I have been paying, never missed a payment, but instead of my payments been less are accumulating. The credit limit was for a {$1000.00}. 
My debt now as of next statement : XX/XX/XXXX {$1400.00}, with a minimum payment of {$51.00}. My understanding is that if I'm making my payments, my debt will be lower not higher, this bank manipulates the variable interest rates in connection with the fees shares with Amazon. higher, this bank manipulates the variable interest rates in connection with the fees shares with Amazon.
Product: Credit reporting or other personal consumer reports

My account with XXXX  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 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be removed. 

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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting inaccurate & unknown information on my credit report. My credit report reflects a total of 15 unknown accounts in the amount of {$56000.00} from lender by the name of XXXX. In my attempt to validate this debt via mail XX/XX/2022, I received a return mail noticed due to " NOT DELIVERABLE AS ADDRESSED ''. I addressed this letter according to the information reflected on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. When I brought this to the credit bureau 's attention, to have these accounts deleted from my credit report, I was informed the bureau do not have a process to remove inaccurate accounts, confirmation # XXXX. This is a direct violation of my rights under 15U.S.C 1681 ( n ) : Civil Liability for willful noncompliance, 15U.S.C 1681 ( a ) : rules of construction, 15 U.S.C 1692 ( e ) False or misleading representations, & 15 US.C 1692 ( g ) : Validation of debts.

*Attachment option is unavailable at the time to submit proof of mail to unknown lender.
Product: Checking or savings account

On XX/XX/XXXX XXXX I came to find out that this company had breached my checking account & removed over {$2.00} in two separate transactions, all on XX/XX/XXXX. I immediately called the fraud department & reported this as a fraudulent charge. The report was taken & I was told to expect a follow up from my banking institution. I never received a follow up so I went back to my local branch so a representative could help me further. It was days later after my initial first call to report this illegal transaction, when my local branch representative was on the phone with a fraud specialist - thats when, & only then is when I was made aware that this same company had already breached my account in XXXX of this year .it was at this time that my representative from my branch asked the fraud department agent what was the necessary steps we needed to take. We where instructed to start a claim for the fraud charges that I discovered on XX/XX/XXXX & the fraud department agent said that she would fill out the case for the fraud charges that happened in XXXX, which she apparently did .The problem I have is that my banking institution has credited me for the fraud charges made on my account in XXXX, but is refusing to credit me for the fraud charges that happened on XXXX- all because of a technicality of the dates of when this fraudulent charges happened & when they where reported, never mind the FACT that my banking institution never once called or notified me of the fraudulent charges that happened in XXXX nor did they catch or report the fraud charges that happened in XX/XX/XXXX. I have been to my local branch on 3 separate times, totaling over 6 hours of wasted time & numerous hours on the phone trying to plead my case that this is FRAUD,- PLEASE HELP ME- this total disregard on my financial institutions part.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTION OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSET IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries as they were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For the last 3 months this company by the name of Fast has been contacting my grandmother on her home telephone number about a balance on an old apartment from college. They have been advised by both me and my grandmother to stop calling as this is not my phone number. Tonight I received a phone call from the person working for a company called FAST, they gave a mini XXXX and asked was I XXXX XXXX. I advised them not to call this number again as this is not my number. She told me she will make as many calls as she wants as much as she can and would be calling again tomorrow. I advised she would continue to go to voicemail. She was very nasty and rude and told me directly she will call everyday! Please look into this matter and enjoy them paying for it own their dime!
Product: Debt collection

Dear XXXX XXXX for XXXX FRAUD TEAM ; CFPB ; I'm shocked that I still keep getting harassing calls and XXXX Mail from both XXXX  and XXXX XXXX. I'm not sure you dropped the ball, but I've told your entire team that i never bought furniture with XXXX  or any of its affiliates, and I've filed a police report. I never never never signed any agreement nor did acquire any products or services from these companies listed. This was probably caused due to identity theft issue and again, i've filed a police report with XXXX Police Department. I've expressed this with several of your customer services and i want all my information suppressed from your database, plus now I'm concerned about the breach of my privacy and my consumer rights under the provisions of FCRA. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX we decided to look into refinancing our current loan with Avant. We contacted the company via their website and phone and initiated the process to refinance. During the process a hard inquiry was performed on our credit. The terms were then supplied to us via the website. The process continues after you accept the loan amount and terms/rates. We accepted the refinance of the XXXX minus a roughly 200 $ administration fee. We were to receive roughly 2600 $ at a 35 % rate. We accepted and started using their website to finalize the information they require. Bank statements, pay stubs, personal information, etc. One of the processes is to " Link your bank account '' which allows the to pull the statements, etc directly. However due to security issues our bank would not allow the connection as it was considered insecure and potentially dangerous. We resolved this by uploading bank statements and pay stubs manually. We spoke with several people regarding the inability to link our bank account and they stated it would not affect the loan. On XXXX XXXX, XXXX we received an email to contact them in regards to further information required. We called in and they verified the information and proceeded with the processing. We logged in to check the status and our loan had been dropped by XXXX . This is after we accepted the terms of XXXX . I sent an email to question this activity and received no explanation. Instead they pushed a denial email to my account and refused the loan. After researching the company we have found numerous cases were they change your account and fixed loans without telling you. I find this a fraudulent practice and would like the hard inquiry removed from my credit report.
Product: Vehicle loan or lease

I purchased a New XXXX XXXX XXXX, Truck in XX/XX/2019. I have a 5 year loan with US Bank. I purchased the vehicle in the state of XXXX, and planned to register the vehicle is XXXX  which is where I resided at the time. However shortly after purchasing the vehicle I decided to move to XXXX. But I didn't register the vehicle in XXXX since I moved to XXXX shortly after. I've attempted to register the vehicle at the XXXX DMV, however I'm not able to because XXXX DMV is asking for a copy of the title from US BANK in order for me to register the vehicle. I've called US BANK for over 3 months asking them to send COPY of title to XXXX DMV so I can register my vehicle. I'm told to have the XXXX   DMV fax over the request for title, and that has been done 4 times already. When I call US BANK to check the status I'm told they put in a request to get the title from XXXX DMV and they will forward it to XXXX DMV however that still has not been done. I called US BANK again on XX/XX/2019 and spoke with an agent and I'm told they don't see anything and they don't know what I'm referring to. I'm told they don't have the title to my vehicle, and they don't know how to fix my situation. Because of this I have been unable to register my vehicle which is increasing my chances on receiving traffic citations. The temporary registration to my vehicle expired XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed fraudulent accounts on my credit report with XXXX, XXXX and Equifax in writing twice. I requested that XXXX, XXXX and Equifax send me DOCUMENTED PROOF OF VERIFICATION of the fraudulent accounts as per 15 U.S.C. 1681g. Additionally on XX/XX/2017 @  XXXX I spoke with a Supervisor by the name of XXXX XXXX of XXXX over the phone and verbally requested DOCUMENTED PROOF OF VERIFICATION. I specifically asked verbally and in writing for the DOCUMENTED PROOF XXXX has on file proving that the fraudulent accounts were properly verified in accordance with Federal Law at 15 U.S.C. 1681 g, i and 616 and 617.
<P/>Today I sent my THIRD request for DOCUMENTED PROOF as per 15 U.S.C. 1681 g, i and 616 and 617 from XXXX and Equifax as the fraudulent accounts remain on my credit reports 30 days after my request for DOCUMENTED PROOF and I have STILL not been sent the documented proof requested in the first two letters. <P/>I have fraudulent inquiries that I request be removed as they are not linked to any accounts on my reports and were fraudulently made by identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting as an identity theft item. I never opened this account with XXXX XXXX. Please help me in getting this account removed from my credit file.
Product: Money transfer, virtual currency, or money service

I am filing a compiaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.