23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am experiencing issues with the release of insurance funds related to a water damage claim at my property. Despite providing all necessary documentation and justification, my mortgage servicer has refused to release the full insurance payment needed to complete the repairs. 

Claim and Partial Payment : Date of initial claim : XX/XX/year> Initial insurance payment : {$76000.00} Partial payment received : {$40000.00} Request for Remaining Funds : Date of first request : XX/XX/year> Date of second request : XX/XX/year> Revised Insurance Estimate : {$120000.00} ( evaluated by another contractor sent by the insurance company ) Reasons for Immediate Release : The revised estimate reflects the extensive repairs needed and immediate financial requirements. 
Upfront payment required by the contractor exceeds the partial amount released. 
Costs for kitchen appliances, custom cabinetry, and other materials must be paid in advance to avoid delays. 
Financial strain caused by insufficient funds to commence and continue necessary repairs. 

Companys Response : Both requests for the full release of funds were rejected by the Loss Draft Department. 
Communication dates : XX/XX/year> ; XX/XX/year> The refusal to release the remaining funds is causing significant financial strain and delaying essential repairs, potentially leading to further damage and increased costs.
Product: Mortgage

I have contacted Pentagon Federal credit Union three times in an effort To eliminate the PMI on my mortgage. 
I submitted an online request XX/XX/2020. 
I wrote a letter XX/XX/2020, And my final letter was dated XX/XX/2020. 
I am attempting to ask Pentagon Federal credit Union how the PMI on my home loan can be eliminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX 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 instructions
Product: Bank account or service

I have a home mortgage at Wells Fargo. Wells Fargo increased my home mortgage after 12 months with more than {$120.00} without explaining why or noticing me. 
When I confronted Wells Fargo they started arguing with me and do not want to rectify the problem. This really seems unlawful and unethical!!
Product: Credit reporting

I received my Experian dispute results ( Report no. XXXX ), and the credit bureau claims it 'verified ' a trade line identified as XXXX # XXXX '. There are a few problems that need to be rectified : 1 ) Method of Verification letter sent to Experian - received on XX/XX/2016. 
2 ) Dispute results issued did not address HOW the credit bureau 'investigated ' the items disputed. 
3 ) XXXX XXXX account disputed via CFPB Complaint No. XXXX and FACTA request received by XXXX XXXX ( XXXX ) on XX/XX/2016. 
4 ) XXXX XXXX ( XXXX ) HAS NOT responded to the FACTA request. Demand was made for the production of the contract for debt I, as consumer, allegedly signed. As XXXX XXXX FAILED TO PRODUCE a contract for debt per the time frame allowed, FCRA mandates deletion of this line item.
Product: Credit card or prepaid card

Chase has recently started charging cash advance fees for peer-to-peer transactions made with its credit cards, despite placing a statement in the XXXX XXXX XXXX and other media saying they do not do this. 

On XX/XX/2020 I made a XXXX transfer to my friend using a Chase credit card. I was concerned about being charged Cash Advance Fees, so I tried to look up Chase 's policy on the issue. In the past, Chase had not charged me cash advance fees for XXXX peer-to-peer payments but I wanted to be doubly sure. The transaction was for {$260.00} and Chase charged me cash advance fees of {$13.00} and interest of {$2.00}. 

I found this XXXX XXXX XXXXXXXX XXXX from XX/XX/2020 XXXX see attached PDF ) titled " Beware the Fees That Come With Some Money Transfers on Apps '' with the statement : " Chase is not charging its credit card holders the cash advance fee for peer-to-peer payments, a spokesman said. ". I was reassured by this very clear statement in the paper of record and proceeded with my transaction. 

Chase then charged me a 5 % cash advance fee as well as interest on the payment starting immediately. When I contacted them about their company 's explicit position, they said the XXXX was inaccurate and the statement was not official company policy. They refused to refund the fee, even as a one-time exception. They refunded the {$2.00} in interest, but not the much larger cash advance fee. 

In short, Chase made a statement for the good publicity in the XXXX XXXX XXXXXXXX, but failed to honor their word and was charging their customers unadvertised fees anyways. When called out on it, they have instead doubled-down and are accusing the XXXX  of publishing a statement without their approval, even though the statement comes directly from a Chase spokesperson.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and Equifax Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$610.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

I had checked my credit report and seen a couple on there that I never got notice about. I contacted the company and XXXX answered requested validation of the debt he said he did not have to and hung up
Product: Mortgage

I was fired from my job on XX/XX/2021 and didn't learn about mortgage forbearance because of the COVID " pandemic '' until the first part of XXXX. My mortgage was through XXXX but " serviced '' by Nationstar Mortgage. I started the forbearance that month but had already made the monthly payment for XXXX and as a result my loan was displayed online as $ XX amount. It was explained to me when I started the forbearance that I would have to pay the missing payments back - to which I replied " of course ''. If it had been TRUTHFULLY explained the interest of my loan would accrue daily while I wasn't making mortgage payments I wouldn't have started. We just closed on selling our house and the payoff amount was {$8000.00} more than what was ALWAYS displayed on my online account. I feel that this is a deceptive practice that is portrayed as helping but truthfully it just added more $ $ to my mortgage.
Product: Credit reporting or other personal consumer reports

Erroneous/Inaccurate/Fraudulent Account Names Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seg. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2.

15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. 
I request a thorough investigation into these inaccuracies. 
3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
1 kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. 
Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely,
Product: Checking or savings account

My son past away XX/XX/16, his wallet which contained his bank card and bank account number was stolen from me while I was in hospital to see him. ( Police report filed ) A family member and an XXXX XXXX falsified his death certificate and used falsified death certificate to go into the TD Bank, Branch # XXXX, XXXX XXXX  XXXX XXXX, XXXX, PA XXXX and took out over {$3800.00} of funds and closed his account. This undocumented immigrant was not authorized to take this money. Person was not listed on account or listed as a beneficiary. Person was on parole and the time and still on parole. Vice President XXXX XXXX, Vice President is trying to cover fraud since she is involved with this undocumented immigrant and another business member of the community. The end result the other business member of the community received money he/she was not entitled too, as well as this undocumented immigrant who doesn't have proper identification to cash a check. ( Police reports filed ). I am the administrator of my son 's estate and I demand an investigation, return of funds. My son has outstanding funeral bills. I want these individuals prosecuted for this fraud. The law states you do not steal from the deceased without the proper probate paperwork. I spent one year legally to prove death certificate was falsified and thus it was amended.
Product: Credit reporting or other personal consumer reports

I would like to follow up and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file : XXXX XXXX XXXX : {$12000.00}.
Product: Credit card

I called to speak to an employee about flights I had booked through their website with an employee from what they stated the flight wasnt accepted because one of the charges got declined. I had made a payment. The payment was processed and complete on online. It showed the payment had been processed complete that I had an available credit and that my balance was XXXX I spoke to Employee asking them for a reason because when the payment is processed either, its all available or none of it is available. Employee stated that only percentage was available the way they handle the situation. They didnt care and they were nonchalant about everything. They pretty much told me to just wait and just, it is what it is. There was another employee on the line as well that was listening to the whole conversation. The employees name that I want to file a formal complaint about is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 my residence was sold and I had to relocate. I gave Kohls a change of address and have not received statements for payment. I went to the store a few times to make payments in person and to get my balance and was not given the correct balance as employees told me they did not have that information for me, so payments made in sotore to Kohls were not sufficient to amount owed, Therefore leading to late payments and insufficient payments being made at each time. I called to dispute this and paid my balance off in full, but was told they could not expunge this from my credit report. Now I am at jeopardy of loosing the loan I applied for purchasing a house for m and my family. I tried several attempts with Kohls via phone, in store and online to resolve this and no one seems to be able to assist me.
Product: Consumer Loan

I accepted a loan from Castle Payday of {$1000.00} on XXXX XXXX. I was informed my XXXX payment would be due on XXXX XXXX, 2015. On XXXX XXXX, 2015 my personal bank account was debited {$500.00} for a service fee for CastlePayDay. I was not informed of such an absurdly large service fee on a {$1000.00} loan nor did I accept or authorize the service fee be deducted from my bank account. Had I been made aware of service fee that equals 50 % of the loan amount, or half the loan value, I would not have accepted the loan initially. I called the company asking 1. ) what {$500.00} fee was, 2. ) why is it so large 3. ) i was not informed of nor did I authorize the service fee be deducted from my account. I requested Castle Payday to reverse the transaction and credit my account back the {$500.00}. CastlePayDay refused my request. The charge to my personal banking account with XXXX was then overdrawn because of the unanticipated transaction by Castle Payday. I have filed a Statement of Unauthorized Electronic ACH Payment with XXXX Bank. Attached is additional supporting information. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the XXXX XXXX Onemain is required to report my account as being current. In XX/XX/2021 I made an arrangement with the Branch XXXX in XXXX, NC to move the payment to the end of the loan and under the cares act I am requesting Onemain to remove the late payment from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request assistance with Navient. I believe that the accounts they are reporting are incorrect. 

I recently pulled a copy of my credit report on-line and found that they are reporting the following inaccurate information in my file that is negatively affecting my credit score.

Account Number : # XXXX Reason : Not my account/Inaccurate information - After careful review of my credit report. I have verified that this loan does not belong to me. I never authorized this loan. Please remove this from my credit report immediately.

Account Number : # XXXX Reason : Your company has not provided me with a signed agreement by me that shows the original loan features of the loan, that states the repayment options, interest rate or with any other terms an conditions of the loan. 



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

i was never late on the payoff account with Chase home loan please show me documentation proof of transaction being late to support your inaccurate reporting on my credit report if you can not supply this delete late payment off my credit report the FCR allows 30 days to fix this
Product: Vehicle loan or lease

They repossessed my vehicle without even contacting me and letting me know beforehand, they just took it and now they constantly call me all the time every single day but XXXX times
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR CREDIT BUREAU EXPERIAN : I am sending this letter to your response to information discovered on my credit reports. Be advised, this not a refusal to pay, but a notice sent pursuant to the Fair Deb Collection Practices Act, 15 USC 1692gSec 809 ( b ) that your claim is disputed This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the information found on my credit reports. I respectfully request that your office provide me with complement evidence that I have any legal obligation to pay Please provide me with the following : 1. An explanation showing what money you say I owe is for ; 2. An explanation of how you calculated what you say I owe ; 3. Copies of papers that show I agreed to pay what you say I owe ; 4. A verification or copy of judgment if applicable ; 5. Alleged account number 6. Proof that you can identify the original creditor ; 6. Proof that the Statute of Limitations has not expired on this account ; If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased Your non- compliance with my request will also be construed as an absolute waiver of all to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
I request all further correspondence regarding this SUSPECTED debt collection to be sent via mail For the past 36 months, I have submitted supporting evidence that I am a victim of identity theft SUCH AS POLICE REPORTS AND FTC REPORTS and you have ignored them in violation of the Fair Credit Reporting Act. 
THIS ADDRES XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX ITS INACCURATE HAVE NEVER LIVED THERE ATTACHED ONE MORE TIME IS A COPY PROOF OF ADDRESS. THANK YOU FOR YOUR TIME AND CONSIDERATION IN THIS M TTER, PLEASE FORWARD ANY CHANGES TO MY CREDIT FILE AND FURTHER CORRESPONDENCE TO THE ADDRESS ABOVE XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX
Product: Vehicle loan or lease

I requested a deferment on my car loan with Kia Finance in XXXXThe only reason I knew it was not approved though I sent in all my papework was because I got a default nptice from them. 
When I asked why, they claim I needed to call them back which the representative never told me to do. 
Now fast forward to XXXX, Kia has some of the most rudest and ileeterate and uneducated employees. 
I finally spoke to a supervisor, he told me to call back and request the deferment again.

One rep in customer service said I could but decided to hang up.Another one from some carribean country was into his Ego and decided not to send the time sensitive paperwork.

Now, I spoke to someone in the U.S who was having a bad monday morning today and decided instead of hanging up, to put me back in the call pool to speak to another representative. 
Long and short, no one can help me.Even to an issue with the car that has an incident number, no one can help. 
I SAY NEVER AGAIN TO A KIA
Product: Checking or savings account

I opened my checking account with chase bank in XXXX on XXXX XXXX and they abruptly closed my account without any explanation thus, keeping my funds
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been receiving two hangup calls a day for many months from XXXX, and I discovered by XXXX  the number that it belongs to Credence Resource Management of XXXX, TX, office number XXXX. I have never answered any of these calls - I always let them go to my voice mail, and the caller always hangs up without leaving a message. 
I also found MANY complaints about the same thing online from others who have been receiving and answering these calls from this number, some of whom describe misleading and abusive collection attempts for, ostensibly, XXXX XXXX XXXX. Many of these comments state that the persons receiving the calls once had XXXX XXXX XXXX accounts but no longer do, or are paid in full. My only connection with XXXX XXXX XXXX is through a company they own, XXXX XXXX, but I am paid in full. 
I am fed up with receiving these calls and I want them to stop! I suspect that Credence Resource Management thinks my phone number belongs to someone else, but I've had this landline for about 12 years. You would think that a collection company would at least call the correct number, or be more professional and leave a message instead of harassing people with hangup calls. This, to me, is bad and possibly illegal practice. 
Anything you can do to stop this harassment would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I've submitted a dispute to XXXX in XX/XX/year>. The dispute was submitted via certified mail due to fraud. XXXX was supposed to process my dispute within 4 days and have failed to process and update my credit report with accurate information within the four days per FCRA law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Subject : Immediate XXXX  XXXX Compliance Dispute and Demand for Deletion of Account # XXXX Dear LVNV Funding LLC, I am writing to formally dispute and demand the immediate deletion of inaccurate and damaging information regarding my account ( # XXXX ) as reported to the major credit bureaus. The current reporting violates XXXX XXXX format standards and my rights under the Fair Credit Reporting Act ( FCRA ), specifically CFPB 1006.34 ( b ) ( 4 ). 

Specific Issues : Account Status and Payment History : The account is inaccurately reported as " Open '' and " Late 120 Days '' on XXXX, contradicting the " Collection/Chargeoff '' status reported on XXXX. This inconsistency must be corrected to accurately reflect the account 's true status. 

Number of Months ( Terms ) : There is a discrepancy with XXXX reporting " XXXX '' month as the term, while XXXX reports " XXXX '' months. This inconsistency needs immediate clarification and correction. 

Date Last Active and Date of Last Payment : Conflicting dates between bureaus ( e.g., " XX/XX/XXXX '' and " XX/XX/XXXX '' ) require clarification and accurate reporting. 

Comments and Dispute Resolution : The reported comments, including " Customer disputed account '' and " Consumer disputes this account information, '' are inaccurate and misleading. These comments should be removed promptly as they do not accurately reflect my dispute status. 

Due to these substantial inaccuracies and their negative impact on my creditworthiness, I demand the immediate deletion of this erroneous account information from all credit bureau records. Under FCRA regulations and CFPB 1006.34 ( b ) ( 4 ), I assert my right to accurate reporting and request that LVNV Funding LLC complies with this demand without delay. 

Failure to promptly delete this inaccurate information will compel me to escalate this matter further, including filing complaints with regulatory agencies and pursuing legal remedies against LVNV Funding LLC for non-compliance with FCRA regulations. 

Please provide written confirmation of the deletion and documentation verifying the removal of this erroneous account information from all credit bureau records. 

Thank you for your immediate attention to this critical matter. I expect a response confirming the deletion within the legally mandated timeframe. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX