23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Chase cleared a fraudlent check. They did not even check to make sure the cashier 's check was legit until several days later after I had already spent the money. The funds were made available before they even checked. Then I called to pursue this and they told me that nothing could be done. I asked if I could speak to a manager and I was transferred to XXXX XXXX who then told me that he was making the decision not to refund my money. When I asked XXXX how I elevate my concern and appeal the decision, I was told that " We do n't have an appeals process. '' I asked if I could speak to his supervisor and he said, " There is no one available at this time. '' I asked if I could call his supervisor another time and he said no. He refused to give me a phone number.
Product: Checking or savings account

After being unable to get any resolution with XXXX, I filed a dispute with my bank, Ally, regarding the charge on XX/XX/2018. I filled out and returned all paperwork requested immediately and the charge was reversed on my account. Out of nowhere, with no notice, three months later on XX/XX/XXXX the charge was reversed overdrawing my account. On top of receiving no notification via mail, email, or online in my account for this reversal ( again this is 3 months after dispute ), I was charged a {$25.00} overdraft fee on s {$5.00} check to the church which I obviously would not have written had I known my account was going to be negative from a dispute that I believed to be handled three months prior. After the bank reversed the credit I attempted to contact XXXX several times and upon no help from them filed a complaint to the XXXX, but XXXX says they cant do anything because theres a chargeback case with financial institution ( ally ) so they cant talk to me and bank needs to handle it. Very shady dispute practices to reverse credit with no warning and Ive still received no communication about it after 3 months and then charge me an overdraft fee on a {$5.00} check the same day you reversed the dispute with no warning.
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice of Multiple Unauthorized Credit Inquiries To : XXXX, TransUnion, and XXXX This serves as my Second Request in relation to the Unauthorized Inquiry mentioned herein, prior to commencing legal proceedings. 

I hereby assert that I did not provide consent to any entity to access my personal consumer information protected under the Fair Credit Reporting Act ( FCRA ). No permissible purpose has been established for the aforementioned inquiries. 

Pursuant to FCRA 616, titled " Civil liability for willful noncompliance '' [ 15 U.S.C. 1681n ], I bring to your attention the following provisions : Any individual who, under false pretenses or knowingly without a permissible purpose, obtains a consumer report from a consumer reporting agency shall be held liable for actual damages sustained by the consumer reporting agency or a sum of {$1000.00}, whichever amount is greater. 

Moreover, in accordance with the Fair Credit Reporting Act, 617, titled " Civil liability for negligent noncompliance '' [ 15 U.S.C. 1681o ], I wish to highlight the following : ( a ) In general, any individual who negligently fails to comply with any requirement imposed under this title with respect to any consumer shall be liable to the affected consumer for an amount equal to : ( 1 ) the actual damages incurred by the consumer as a result of the failure; and ( 2 ) in the event of a successful action to enforce this liability, the costs of the action, including reasonable attorney 's fees as determined by the court. 

I hereby request that you furnish evidence demonstrating that you possessed a permissible purpose to access my credit information. Failure to do so will necessitate the payment of {$1000.00} to the individual named in this correspondence. 

I anticipate a prompt and amicable resolution to this matter. However, should this not be the case, I shall be compelled to initiate legal proceedings against your respective entities. 

Yours sincerely, XXXX XXXX XXXX
Product: Mortgage

I have bought a property in Vermont ( XXXX XXXX XXXX, XXXX VT XXXX ) on XXXX/XXXX/XXXX for the price of {$150000.00}. The property was appraised for {$160000.00} at the time of purchase by the Guaranteed Rate the mortgage company that I borrowed from. The loan amount was {$130000.00} and since I did not put XXXX % down payment there was a PMI with my mortgage payment. The loan was later on sold to Chase bank and I have been paying my mortgage regularly and never were late or overdue. 

I have paid extra every month to bring the LTV ratio down to XXXX % so I can get ride of my PMI. MY LTV ratio since XXXX XXXX, XXXX is below XXXX %, however the chase bank is refusing to wave the PMI and insisting on me paying Chase ( {$110.00} ) to do a broker price opinion ( BPO ) of my property. I told them why should I pay them extra to the XXXX when clearly Home Owners protection act indicates that there should be automatic PMI termination : " In accordance with the Homeowners Protection Act, your lender must terminate PMI on the date your loan balance is scheduled to reach XXXX % of the original value of your home ( in other words, when your equity reaches XXXX % ), provided you are current on your mortgage payments '' My property at the time of mortgage valued more than what I borrowed from, I clearly followed the bank rules indicating that PMI should be terminated when the LTV ratio is at XXXX %, based on my original repayment. Bank is telling me that since based on my original amortization indicated that I should be at XXXX % by XX/XX/XXXX. And since I have paid a head I need to get XXXX which does not make sense and this is another excuse for the bank to ask for more money. I have called them several time and I have mentioned to them that what they say is against the home owners protection act which was passed in XX/XX/XXXX to protect the consumers and it clearly states that the bank should have automatically cancelled the PMI as soon as my equity reaches XXXX %. 

Thank you for your attention, XXXX XXXX XXXX
Product: Debt collection

Enhanced Recovery Company says that I owe them some money for debt on a XXXX account. They constantly call me and have sent letters to me about it. However, I have never been a XXXX customer. My phone is from XXXX. XXXX says that my credit report is accurate, but I don't think it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there where inquiries from identity theft reported on their on my XXXX and my transunion and when i tired to have them remove it they wouldn't.
Product: Debt collection

This company Spring Oaks Capital llc keeps contacting me about a fraudulent account I did not open. I am a victim of identity theft. This account is showing open on my credit report. I have been fighting to get this taken off all three of my credit reports for the last three years. They keep sending me emails every day of the week about this fraudulent account. The amount this company says I owe is {$520.00}.
Product: Mortgage

I have a mortgage with Bayview Loan Servicing and they provided me with a modification XX/XX/XXXX. The modification was to have a principal reduction feature in it of {$410000.00}, spread over 3 years in the month of XXXX of the proceeding years. The stipulation for the modification was that payments would need to be within 90 days to get the principal reduction. I unfortunately had a niece pass from XXXX at the age of XXXX that I help with the funeral arrangements. I addressed this issue with Bayview Loan Servicing and also sent them supporting documents pertaining to my situation. On XXXX XXXX, XXXX I received a letter stating that I would still be eligible for the last principal deduction. Now Bayview is stating they will not indeed give me the deduction even though I have the correspondence from them in writing.
Product: Debt collection

I am requesting that Midland Credit Management/Midland Funding, LLC be removed from my credit report with all three credit reporting agencies for violation of the FDCPA. I have submitted a prior complaint. I have requested that they validate a debt they alleged that I owe and received no response for over a year. 

They sent me a letter dated XXXX XXXX, XXXX, which violated Section 1692g because it did not clearly state that they were attempting to collect a debt and that I had the right to dispute the debt in writing within 30 days. Futhermore, the format of the letter and language used overshadowed the purpose of the letter to collect a debt after proper validation. I do recall speaking with someone to request validation of this debt, but never received any documentation to validate the debt. Instead, I received harassing phone calls which eventually stopped. Unfortunately, I was not aware they were breaking any laws and did not submit a complaint at that time. 

After being made aware of my rights, I did send a written certified request to Midland on XXXX XXXX, XXXX requesting validation of the alleged debt. The letter was received by Midland on XXXX XXXX, XXXX. Shortly after, I received a phone call from a representative from Midland, after I requested that they only contact me via USPS. I filed a complaint with CFPB on XXXX XXXX. In their response they attached statements of the debt that they alleged that I owe. However, they have never provided this information to me via USPS or provided documentation that they have a contractual agreement with the original debtor to collect this alleged debt. 

I contacted Midland again, via certified letter on XXXX XXXX, XXXX to request validity of this debt and offered to settle this alleged debt if they agreed to remove it from my credit report with all XXXX reporting agencies. To date, I still have not received validation of this account to my satisfaction. 

Upon reviewing my credit reports, this account was removed from my XXXX and XXXX reports between XXXX XXXX - XXXX, XXXX and added back. The information that they are reporting to the credit bureaus are inconsistent and I am requesting they remove all information of this debt from all XXXX of my credit reports. 

I have placed a dispute with XXXX to remove information from my account as they are listed as the original lender with a date assigned as XXXX XXXX. I do not have contractual agreement with them as a creditor and want it permanently removed. I am also disputing my XXXX and XXXX accounts as I have not been supplied with any evidence that the alleged debt was sold or assigned to Midland to collect from me. 

I am requesting that Midland remove this account from my credit report with all three reporting agencies and agree to close this account and not sell it to any other collectors.
Product: Debt collection

I have been a victim of identity theft that was discovered in XXXX of this year XXXX. 
This collection attempt in the amount of {$870.00} from Debt collection agency Client Services Inc. with original creditor XXXX XXXX XXXX XXXXXXXX is fraudulent. 
I am not denying I had this particular credit card. I did and have used it responsibility and closed it out and paid down the balance. The original credit line was {$500.00}. I never exceeded that amount and made regular payments. 
I am disputing this debt due to the fact it had not only been used without my consent once it was closed, it has gone into collections and I was not made aware of this until I received notice from XXXX XXXX that this account was in default. 
Again I had paid it down to XXXX balance by the end of XXXX. 
Somehow this account was reopened and used fraudulently and illegally for purchases not authorized by myself. 

XXXX XXXX XXXX
Product: Mortgage

I caught XXXX twice during the month of XXXX. I was ill and unable to work ( self-employed ) and I was focused on healing. I forgot to make a payment in XXXX. I remmebered on XX/XX/XXXX and I made payment. It did not process in their system until XX/XX/XXXX. As a result it got reported on my credit report and I lost XXXX points. I am asking for relief and forgiveness because COVID-19 had me ill and unable to work. 

Have not been late for a payment in over a decade.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 payment was made to chase mortgage at a branch for the month of XXXX then days later exactly XX/XX/18 account was transferred to new bank XXXX XXXX which payment was made to them XXXX XXXX for that month, so on my credit report chase is posting a 30 days late payment for XXXX when they didnt have the account as of XX/XX/2018 and my XXXX payment was made already to new bank i just need that 30 days late payment for XX/XX/2018 removed and i spoke with them two times and disputed with credit bureaus twice as well and none would help me.
Product: Credit reporting or other personal consumer reports

on XX/XX/year>2024 i received several alerts through credit monitoring services that a hard inquiry was done on my credit from XXXX/MILESTONE which i did not authorize.
Product: Credit reporting or other personal consumer reports

I couldn't believe my eyes when I saw inaccurate accounts on my credit report this morning. I regularly check my report, but this time there were errors that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the errors were still there. Im really concerned, so Im requesting that the documents I've submitted be reviewed carefully so that I can finally have peace of mind.
Product: Debt collection

On XX/XX/24 in the summary hearing in front of XXXX XXXX, I requested a debt validation letter as the amount being sued for is more than the original loan amount and didn't reflect any payments made to the original creditor. XXXX XXXX ordered for the debt validation letter to be submitted in 10 days which was not done by the plaintiff LVNV Funding llc.
Product: Mortgage

I have been trying for months to determine the exact requirements, criteria, and specific process to have my PMI removed, as the home values in my area have increased significantly since my purchase of the home. My XXXX mortgage with a balance XXXX, is now worth at least $ XXXX. 

I contacted PRMI early XXXX to obtain information on PMI removal based on this. I was told just to submit a request in writing and that was all I needed to do. I assumed I would receive a letter notifying me of the process and requirements. Instead, 6 weeks later I received a letter stating the request was reviewed and denied due to XXXX ratio not being sufficient for PMI removal. I called PMI to ask what information they used for the XXXX ratio and was told it was the current amortization schedule. I explained the situation once again of my home increasing significantly in value and was told to obtain a private appraisal and resubmit for review. I have contacted home appraisers in my area who have been surprised by this and have suggested I clarify with PRMI that they will accept an appraisal that was not ordered by them in-house. 

XX/XX/22 I contacted PRMI and spoke with a CS rep, a supervisor, and a manager and was given inconsistent and conflicting information. The supervisor told me she would NOT recommend obtaining a private self-ordered appraisal, yet her manager told me that is what I need to do. I asked the manager to first explain what the process was for a removal request and she explained a very different process that should have been followed at my initial request for removal. None of the individuals I spoke with would provide any documentation in writing of what the official requirements and process are. They also will not comment on whether a privately ordered appraisal will in fact even be accepted. 

I just want to obtain definitive information on the process and requirements for a fair and just review of the current value of my home for a current XXXX ratio for PMI removal consideration. Including whether or not they are requiring me to obtain my own paid for out-of-pocket home appraisal for review of the current market value and whether or not it will even be accepted as a legitimate source if so. 

Any assistance your Bureau can provide is greatly appreciated.

Sincere thanks, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am continually being harassed by this company, which I have you as a XXXX organization, trying to take captive my credit by way of forcing reporting something that is old that its not all Ive never done business with pods. Stop harassing me stop falsely accusing me stop falsely reporting this disorganization, XXXX XXXXXXXX XXXX XXXX, and people while to diminish the very well credit history of good people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to fix the innacurate information reported on two closed charge off accounts from XXXX XXXX. My dispute is about date of first delinquency. I have paid both accounts every penny without any discounts or settlements. Both accounts were closed become delinquent in XX/XX/XXXX, I have paid both accounts in XX/XX/XXXX and XXXX XXXX reported {$0.00} balance paid after charge off. However in XX/XX/XXXX XXXX XXXX reported this back on my credit report as a date of First Major Delinquency XX/XX/XXXX causing my credit file to pickup as currently late and my credit score dropped 40 points for being currently late.How can they report as Date of First Major Delinquency XX/XX/XXXX if I don't have any balance on these two accounts and both accounts were closed in XX/XX/XXXX. I have called Equifax and XXXX XXXX both say they don't know why is this happening and they will look in to it but after investigation they don't correct issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I applied for a 2nd mortgage of {$25000.00} on a home I own to do some upgrading in anticipation of XXXX grandsons living there while attending the University of XXXX starting in the XXXX of 2019. The property is used a rental in the meantime, I learned at the closing for the first time, the lender, Applewood Funding Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, was requiring, without explanation, a " concurrent payment '' of both the 1st and 2nd. I was subsequently advised in writing by XXXX XXXX, President of Applewood that '' RESPA does not have any forms for disclosure of concurrent payments '' despite it being a material term to the loan origination. 
I complied with concurrent payment requirement by enabling ACH electronic payments on the 1 of each month. I began to notice that the underlying loan payment was arriving perilously close to late date of the XXXX. and as a result am making the 1st payment electronically with proof of payments to Applewood. Applewood has refused to provide a copy of the credit report obtained for the original loan approval. 

The Loan was assigned to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX AZ,, XXXX and according to email from the servicing agent XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX AZ XXXX, " Unfortunately, the Lender does not wish to grant us permission to release the actual email sent to us " ( regarding my resolution request below )
Product: Credit reporting or other personal consumer reports

Please remove fraud alert from all XXXX credit bureaus ( XXXX, XXXX, & Transunion ) account in order to obtain funding for homebuying shopping.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Unresolved Credit Disputes Dear CFPB, I am reaching out to formally escalate my ongoing issue with the major credit bureaus regarding fraudulent items on my credit report. Despite submitting multiple disputes and providing sufficient documentation, the bureaus continue to claim these accounts are verified without offering a clear explanation or taking appropriate action to remove the inaccurate information.

I am now submitting another letter requesting the method of verification used, as required under FCRA 15 U.S.C. 1681s-2 ( e ). I believe the credit bureaus are not taking my concerns seriously, and their lack of transparency has further delayed the resolution of these fraudulent entries.

Your assistance in ensuring the credit bureaus conduct a thorough and compliant investigation is greatly appreciated. 

Thank you for your time and support.