23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2024, I sent an email to Flagstar Bank, my loan servicer, to remove private mortgage insurance on my loan number XXXX for my property located in California. On XX/XX/XXXX, Flagstar responded with a letter indicating that I needed to order a property valuation ( appraisal ) at a cost of {$550.00}. 

On XX/XX/XXXX, I responded by email asking Flagstar to identify why a broker price opinion ( " XXXX '' ) was not available as an option prior to the appraisal. XXXX XXXX XXXX XXXX XXXX XXXX requires that the Servicer " verify the current value by a new XXXX ordered and obtained through XXXX, unless applicable law requires that an appraisal be used ... '' On or about XX/XX/XXXX, Flagstar responded with the same letter Flagstar sent me on XX/XX/XXXX, indicating that I needed to order a property valuation ( appraisal ) at a cost of {$550.00}. Flagstar did not respond to my request to identify the applicable law that required an appraisal be used. 

On XX/XX/XXXX, I responded by email again, reiterating my request that Flagstar identify why a BPO is not available for a property valuation, and if not, what applicable law Flagstar is using to base this on. 

On XX/XX/XXXX, having not received any further response from Flagstar to my XX/XX/XXXX correspondence, I emailed Flagstar reiterating my request : for Flagstar to identify why a BPO is not available for a property valuation, and if not, to identify what applicable law Flagstar is using to base this on. Shortly after my last email on XX/XX/XXXX, Flagstar called me and advised that they would look into my request. 

On XX/XX/XXXX, I called Flagstar to inquire on the status of my request and spoke with XXXX ( spelling? ), a supervisor from Flagstar 's PMI department. XXXX advised that she was not aware of the applicable law that Flagstar is relying on to deny my request for a BPO. XXXX advised that I should contact XXXX XXXX, the investor of my loan with further questions and that Flagstar did not have the answer. 

The same day, I called XXXX XXXX at XXXX XXXX to understand why a BPO is not available for a property valuation, and if not, to identify what applicable law Flagstar is using to base this on. XXXX XXXX advised that they do not know of a requirement for why BPOs can not be used in California. XXXX XXXX also advised that the servicer ( Flagstar ) is the interpreter of the guide. XXXX XXXX opened a case with Flagstar to better understand why Flagstar is denying the XXXX as a property valuation. The XXXX XXXX XXXX XXXX is XXXX. 

As of XX/XX/XXXX, I have not received a responsive answer to my request.
Product: Money transfer, virtual currency, or money service

This issue is with PayPal. I returned the item per their request and they are denying the case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX In early XX/XX/XXXX a XXXX XXXX XXXX XXXX representative agreed by phone to allow a lump sum payment to be applied to multiple future monthly installments payment on my auto loan. The lump sum payment was a credit from cancellation of extended warranty service that I had not intended to purchase in the first place. I cancelled the extended warranty shortly after my vehicle purchase. 

There were actually two of these payments applied to the principal of my auto loan ( account number above ). One for {$1200.00} on XX/XX/XXXX and another for {$1300.00} on XX/XX/XXXX. I requested that the XXXX representative have the second of these payments applied/posted to regular monthly installment payments for XX/XX/XXXX and XX/XX/XXXX and this was confirmed during that telephone phone call. 

Without any communication or notification from XXXX both of these payments/credits of XXXX and XXXX, were applied directly to the principal of the loan rather than what was agreed. Apparently, XXXX either does not have a policy or ability to do what was agreed or chose not to do it for my particular installment loan. I was given no notification, but found out when logging into the customer online portal. I immediately brought the account current as soon as I realized that these principal payments had been made rather than scheduled as installment payments. 

My account is showing a 30 day late with all three credit bureaus. I have tried to file disputes with XXXX, XXXX, and Experian directly, since this his having an adverse effect on my credit and will prevent me from obtaining a mortgage. I have had numerus phone calls with XXXX XXXX XXXX XXXX to rectify this situation and it has not been resolved. I plan on consulting with an attorney and take whatever action is available to me if XXXX refuses to resolve this matter amicably and rectify their mistake/oversight. 

Please let me know if any further information is required for this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  retaliated againgst me for reporting them. Fraudulently stated I recently reported identity theft which I did not. Multiple disputes used the cover that I reported identity theft to avoid handling my legitimate disputes with XXXX XXXX, Santander and XXXX. XXXX  should be investigated today the lowered my credit score 68 points because of XXXX XXXX a company that failed to advised what happen to my return and what they are ruining my credit over. XXXX should be fined for manipulating my credit score showing as if XXXX XXXX is a recent legitimate debt. Without showing debt or proof of debt.
Product: Mortgage

On XX/XX/23, I submitted a request for loan modification. On XX/XX/23, XX/XX/23, and XX/XX/23, I submitted all documents in support of my application. In between and most recently on XX/XX/23, Select Portfolio Servicing, Inc. ( " SPS '' ) sent me incomplete application notice. This notice continues to request documents which are not applicable to me such as proof of pension income or loss and profit statement when I neither have pension or own business as is reflected on my application. SPS is not reviewing my application with reasonable diligence and is intentionally delaying the process so as to avoid having to modify my loan. SPS is intentionally preventing me assuming or assuming and modifying my former late husband 's mortgage on my property. Based thereon, SPS is intentionally interfering with my property rights as successor in interest to the real property located at XXXX XXXX XXXX, XXXX, CA XXXX.
Product: Mortgage

I would like to report on my recent experience with refinancing my loan with the help of XXXX XXXX ( XXXX ID : XXXX ). It has caused me enormous agony, wasted a lot of my time, appraisal costs and opportunity to gain from refinancing earlier. 
I started my refinance sometime in XX/XX/2021 and submitted a competing offer to match. While I was promised that the offer will be matched in terms of " estimated cash to close '', I was not provided any loan disclosure- always being told that it will happen at closing. Bofa being a big trusted bank, I choose to believe that. However in XXXX after many calls doing follow up, I finally got a closing disclosure. It was not what I promised. Beyond that, the office dishonestly tried to sell that it was a better offer because the " cash to close '' was lower. When I pointed that out that they were two different things, I was given inconsistent reasoning such as XXXX. The competing offer hadnt gone through underwriting which is not a requirement anywhere. Even if it is at Bofa, it was not mentioned. In a subsequent mail, the lender agreed that it was fair offer XXXX. The next reason was that it was below price and this is best Bofa can do. 

At this point, while I was ok with the time and effort I had invested, being mislead was beyond what I could accept. I canceled the application. And since then with a new company within two weeks I have closing disclosure that matches the original terms I had requested.
Product: Vehicle loan or lease

On XX/XX/2018 at about XXXX CST, I spoke XXXX XXXX with XXXX XXXX. I had been working with her on a payment deferment and loan modification, due to a loss of income and period of unemployment that caused me to fall behind. XXXX gave me some options over the phone to help with the issues. XXXX stated on the call that she could defer 2 payments and lower the interest to 4 % and add 6 months to the loan, also stating that was the most she could do. XXXX stated the payment would be around XXXX/month with the modification. 
XXXX stated before we could move forward with the modification, but we would have to have the deferment paperwork in and payment made for that before so. 
XXXX stated on the call at least once that we could do both the deferment and modification. 
I gave XXXX a time line of when I would call in with the payments and have the paperwork in. The call essentially ended after that. 

On XX/XX/2018, I spoke with XXXX again about the deferment and loan modification. In the call, XXXX stated that she would have to apply for the modification and she didn't think it would go through. 

On XX/XX/2018, I received an email from XXXX saying that she could not offer the modification offer discussed.
Product: Bank account or service

Hello, I am reporting an issue I had with Bank of America due to their negligent check clearing practices and their arrogant and unresponsive behavior. My predicament dates from XXXX, so, I am not sure if there is something that can be done about it now. 

In XXXX XXXX, I was a victim of check fraud with my account at Bank of America. A fake company offered me a part time job to act as their donations distributor and asked me to disperse funds after the check that they would send over has cleared. Being naive and a student at that time, I fell in their trap and deposited their check upon receipt at my Bank of America Account. Being a little skeptical, I specifically asked BOA to let me know when the check clears so that I can assure myself and all they said was that the funds will be available after 3 days. 

I waited for 15 days to see if the check has cleared. After 15 days, when I did n't hear anything from the bank, I sent the money to the fraudsters somewhere in XXXX. 

However, bank of America came back to me after 45 days and informed me that the check I deposited has bounced. I tried to plead with them and explain them the situation and they did nothing to help me. Their collections department acted arrogant and did n't care to call me back or talk to me despite numerous attempts to reach out to them. They then reported my account to a third party collections agency and had me reported on XXXX because of which, I could n't open a new bank account for XXXXXXXX years. 

They made me go through unnecessary pain and their collections department didnt even respond to my calls or was willing to work with me. As a result of their check clearing practices and unresponsive behavior, I ended up losing XXXX dollars since they forced me to pay this amount back to them from my own personal pocket. 

Even though its quite late, I would appreciate if something could be done about this so that other innocent folks do n't go through the same pain that I went through. 

Thanks XXXX
Product: Debt collection

Good Morning, On XX/XX/XXXX I called XXXX XXXX to settle an amount for XXXX dollars for a canceled XXXX XXXX plan. We agreed upon XXXX to settle the account and show it as paid and closed. I paid the agreed upon amount and waited for it to reflect on my credit report. It finally was updated and was removed from my credit report initially. Later I noticed it was on my XXXX Credit report so I disputed it and it was successfully removed on XX/XX/XXXX. Report Number for this is XXXX in reference to account number XXXX with XXXX XXXX. Since this time I have started the process of buying a home and when my credit report was pulled I was shocked to discover that this account was back listed as a collection account with both XXXX and XXXX. I have disputed the account with both and it still hasn't been removed. I then called XXXX XXXX and they had no idea why it was showing on there end as no longer settled and weren't of any help. I then proceeded to go back through my bank statements and find the exact day and time I paid the settled account. There was a phone number listed that didn't match XXXX XXXX so I called it and it was another collection firm. She affirmed to me that I did in fact pay the debt and the amount I have referenced above that for some reason XXXX took back ownership of the account and she doesn't know why. So here I am not knowing " why '' a account I have settled is still showing as unsatisfied. On my bank statement the amount charged to me to settle the account also has XXXX listed so I am upset with this matter. Something is being done wrong and I find it highly offensive that no one seems to know why. How do you lose an account and then magically reopen it back up as not paid?
Product: Money transfer, virtual currency, or money service

XX/XX/2018 XXXX dollars XX/XX/XXXX, I was going to buy a item. Later, one man named XXXX XXXX added my social media account. He said he have the item. He wants to transfer money by XXXX. I said OK. That's fine. Then I transferred XXXX dollars to him. His email address is XXXX. I realized I was scammed by him after two hours later because he didn't reply me anymore.

This morning, I called Bank Of America. The officer just told me they can do nothing even though the order is still in processing. They suggested me to call the police. I'm a XXXX of University XXXX XXXX. XXXX XXXX dollars is a huge amount of money to me. I need to work a lot to earn XXXX dollars. I will suffer financial difficulty if I can't get the money back. Please help me!!!
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 confidentiality under 15 USC 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 XXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 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: Money transfer, virtual currency, or money service

I want to file a complaint against Ally Online bank because they're not removing or giving me the opportunity to make monthly payments on a debt that was brought up by scam. About XX/XX/2019, I was trying to apply for a job on the XXXX  website and I applied for XXXX XXXX. I didn't realize that it was a scam because it came from the XXXX  website itself. A person named XXXX XXXX from XXXX contacted me and stated that prior to employment, I would have to do a couple things for them. They sent me 3 checks that they told me I had to cash. In addition, this person told me to buy a couple things for them such as an XXXX gift card to help with humanitarian aid. I bought it and then they asked me to send them the code and then to purchase an XXXX gift card but I thought that sounded a bit peculiar, so I didn't proceed. By this time, my bank Ally Online and their Fraud Department, took the money that was sent to me and put my account under a negative status of $ XXXX. Ally 's Fraud Department called me and said that I was scammed. I was later sent a letter stating that if I didn't pay it all in 30-days, I would be put on XXXX. I called Ally today, XX/XX/2019, and they said that I was the one responsible for paying all of it off. I asked Ally, since I'm the one who has to pay it, if I was able to make monthly payments, so they would not send me to XXXX. However, they said that I could make payments but they would still send me to XXXX. I feel this is an injustice and unprofessional because I am a victim of fraud/scam and are willing to take care of my balance but would like a monthly payment plan and to not be sent to XXXX. I would like some assistance with this matter. I am XXXX  years of age looking for work to help my parents at home. My family is very ill, and I feel this is the reason I was taken advantage of. Please assist me in any way possible with the Bank. I do not want my record to be damaged by this incident.
Product: Money transfer, virtual currency, or money service

I purchased a {$2400.00} firearm from a person on XXXX website on XX/XX/XXXX, and the person started to communicate with me through emails to arrange my payments. I sent the person {$1400.00} through Venmo app on my cell phone on XX/XX/XXXX. My Venmo account was connected to my XXXX XXXX checking account, when I sent {$1400.00} to the person, the {$1400.00} was instant available to the people on XX/XX/XXXX. 
I got an email from XXXX on XX/XX/XXXX and the header is ** Do Not Send Payment**. This email also states " there is a chance the transaction could be fraudulent and the sellers account has been compromised ''. My order was cancelled by XXXX but I have made payment to the person, so I tried to get my {$1400.00} back from the person. I saw the transaction was posted on my XXXX XXXX account on XX/XX/XXXX. I contacted XXXX XXXX and Venmo customer service on XX/XX/XXXX by phone, but they could not help me with anything for this transaction because I initiated it. I emailed the person and tried to request my money back from Venmo app but the person did not do so. I have reported this incident to my local police department on XX/XX/XXXX. I do not have the person 's any bank information. The Venmo app money transaction between the person and I was easy and very very dangerous. All we need is the Venmo account ID then we can send or request money from the other person. Using Venmo app to send money is very unsecure and non reversible especially I am not familiar with the app. When I realized it was a scam everything is too late, the scammer already got my money, and Venmo company can not do anything to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : FEDLOAN ( Account # : XXXX Date Opened : XX/XX/1999 Balance : {$0.00} ) ; FEDLOAN ( Account # : XXXX Date Opened : XX/XX/1999 Balance : {$0.00} )
Product: Money transfer, virtual currency, or money service

XX/XX/2023 {$0.00} PayPal Today I opened an account for the first time. The account was then placed on limitations. I received an email stating " I can no longer do business with Pay Pal ''. I called to close the account. I was told the account could not be closed because it was placed on limitations.

The call was escalated to a higher level. The gentleman got on the phone and did not give his name. He stated " the email address was a risk ''.

It is my business email account that was just created a few months ago. It had not been used much. I asked why and he stated because of " Fraud '' and it " will not be closed, but will be kept limited so no one can call in with the email address and use it ''. I told him I wanted all my personal identifiable information removed from their system and an email sent to me. He stated he could not do that. He stated that could not be done because PayPal is a financial institution. I told him i am not looking to get money from them. This is just for transfer. He told me he could not delete my information because of a risk. I assured him I was not a criminal and didn't have a criminal background and have never used paypal before and therefor my information should not be blocked because there is no papertrail in your system regarding me. I am a new customer. He then hung up the phone.
Product: Vehicle loan or lease

I paid off credit acceptance in XXXX of XXXX, the car was repossessed in XXXX. I checked my credit report and it now shows that my account is paid in full but they reported a new repossession as of XX/XX/XXXX.
Product: Debt collection

As of XX/XX/XXXX the XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX altered our maintenance fees, but didn't notify the unit owners. I found out this some 45 months later when i received the letter from debt collector ALLIANCES CAS. : COLLECTION DEPARTMENT, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FLORIDA XXXX, on XX/XX/XXXX Now they claim {$13000.00} for the maintenance fee difference, plus the management falsely claimed the maintenance fees for XXXX, XXXX and XX/XX/XXXX which i paid on time, and they already deposited long before they sent me the notice letter about this debt. 
As soon as i sent them the proof of payments they kept very quiet about this. 
They made an attempt to collect fraudulent debt but it didn't work out for them. 
I have an other issue with the same debt collector, i am getting this letters claiming i owe debt but i sent them the proof of seven ( 7 ) monthly payments, and now if i don't pay {$3500.00} within 45 days a lien could be placed on my apartment.

This notice letter came on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. XXXX XXXX is my XXXX. On XX/XX/2023, ECMC purchased the loans and this was placed on my credit. On XX/XX/2023 via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the XXXX XXXX XXXX ; I found out these accounts were sold to XXXX. ECMC first denied it, but they PURCHASED this account in the amount of {$27000.00}. This was an agreement between ECMC, US Dept of Education, and XXXX. Then on XX/XX/2023, XXXX from ECMC stated, " XXXX  XXXX XXXXECMC Account # XXXX ; Education Credit Management Corporation ( ECMC ) has reviewed your concerns. Following is history of the nine loans in question held by ECMC that match the first & last name, mailing address and email address provided by you on this complaint. '' ECMC stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date ECMC, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, ECMC provided proof to myself and XXXX  that the nine accounts belong to XXXX XXXX. ECMC wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and ECMC. XX/XX/2023 the ECMC discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by ECMC, showing further proof that their records was and can be altered, XXXX. the account belonging to XXXX XXXX. These accounts were falsely generated.