23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2022, I applied for the covid-19 forbearance that was offered on the company 's website, which stated it would not report any late payments during this process. I had XXXX in XX/XX/2022 and wasn't fully recovered, losing work time that decreased my income in half. I was informed by a company representative on or around XX/XX/2022 that I was approved and that my covid-19 forbearance loan representative would contact me with the details of the forbearance and it would be backdated until XX/XX/2022. My contact person XXXX XXXX XXXX. I contacted and talked to XXXX XXXX XXXX at or around Ending of XX/XX/2022. I was informed that he would look into the forbearance and I informed him how I was informed that I was approved. 

I XXXX XXXX that I had a late payment for my XXXX payment I was informed by XXXX XXXX what I wanted him to do regarding my account and, I stated that my late fee is removed because I was informed that I was approved for the covid-19 forbearance. 
I wrote a letter to the CEO to address this issue and received an email from XXXX XXXX XXXX. During multiple correspondences, XXXX XXXX XXXX stated that he would remove the late fee from XX/XX/2022. A letter was sent to this company in the last complaint stating that I was never approved for a covid-19 forbearance. I have an email from XXXX XXXX stating that he would remove the late fee from XX/XX/2022. ( Emails included ) Also, in the letter from BSI to address the last complaint ( XXXX ) it stated that I never had a forbearance because my account was NEVER LATE. If it was never LATE then how why was my account reported from BSI late over 30 days in XX/XX/2022 during the forbearance loan? The company is being fraudulent in the reporting of my loan I spoke with XXXX XXXX at the servicing loan company that owns my loan note. In the notes, from the servicing company, XXXX confirmed that the servicing company BSI had me on forbearance from XX/XX/2022 and reversed the late fee. Copy of the email presented in this complaint. In the letter, that BSI sent to answer my first complaint, they stated I was never on a forbearance but why did BSI write in the notes to the loan company ( XXXX ) that I was on a forbearance and removed late fees on my account due to the forbearance? XXXX from XXXX tried to help in getting the late fees removed due to what was apparent BSI 's mistake in servicing my loan. Even when the loan company presented the error on this account they refused to remove this error that was made on servicing the loan. 

I was misinformed to due to the company 's representative 's fraudulent actions and error. My credit rating was decreased by XXXX points due to this company 's error on my account. 

The late fee in XX/XX/2022 needs to be removed from my credit report due to errors and misinformation by BSI informing me. The loan company XXXX representative XXXX, that works for the company that owns the loan note brought to BSI 's attention that they had made an error on my account.
Product: Mortgage

I am seeking COVID-19 hardship forbearance as provided in the CARES Act. My servicer is TIAA Bank. To request a forbearance, they require you to print out and complete a form and fax or mail it to them. I completed the form and went to a XXXX XXXX to fax it, which I did on Monday, XX/XX/2020. I called TIAA Bank on Thursday, XX/XX/2020. The woman I spoke to said the missed payments would have to be paid in a lump sum in the month following the end of the forbearance period and that this was XXXX XXXX 's interpretation. She further said that, if you couldn't make the payment ( reflecting the sum total of all the previous months ' payments ), you would have to get a loan modification.
Product: Mortgage

I received a letter from Penny Mac stating the escrow would be sent to me in XX/XX/XXXXfor payment to local County to apply in XXXX. I never received the funds. I have called and repeatedly asked about the funds and been told it was sent to XXXX County, It was sent to me, and that it would be sent XX/XX/XXXX, overnight, with me receiving it onXX/XX/XXXX. I have received nothing. 

I called again yesterday, XX/XX/XXXX, and have yet to receive a call back from Penny Mac as to the status of the funds. The due date for the taxes in today, XX/XX/XXXX. I have already missed theXX/XX/XXXX tax season to pay the taxes in XXXX.
Product: Credit card

I had XXXX S.O.N.Y. cards and XXXX XXXX platinum master card, I sent them decease and desist letters and they still are sending me statements in the mail. I have called both companys many of times and they wo n't quit harrassing me for money. I am on XXXX, XXXX, H.U.D. and food stamps, am poor and can not afford to pay the fees. They wo n't quit harrassing me and sending me statements. I would like something done about them harrassing me, I pleaded a chapter on bankruptcy, and they still want their money. What do I do? Please respond to XXXXXXXXXXXX.
Product: Credit card or prepaid card

Approximately 3 months ago, I applied for XXXX XXXX XXXX  Credit Card by Chase. My application was approved and an annual membership fee of {$95.00} was collected from us. On XX/XX/XXXX Chase sent us a letter notifying us that Chase would close our account effective XX/XX/XXXX. Chase did not state the reason for closing. I called in Chase customer service and talked to supervisor and asked for reason of closing since I am a long time customer of Chase. I have multiple high value residential and commercial loans with for the last 15 years. My credit is excellent. I paid my card 's balance off each cycle. So why did Chase close my XXXX  without any justification or advance notice? When I received the XXXX XXXX, I cancelled my other cards. Now that Chase just closed the account so abruptly, It did not leave me any time to apply for other credit card from other banks. The supervisor that I talked to basically did nothing other than telling me that she is following the policies. I then asked her for a refund of my {$95.00} annual card fee since Chase collected this money and then proceeded to close my account shortly after that. We would like to get our {$95.00} annual fee back.

I believe that many consumers were bullied by Chase banking practices. Few years back, Chase closed my previous Chase credit card which I had for 30 years and stole away our XXXX  point earned over the years when I forgot to pay my annual fee of {$39.00} because I signed up for online statement and missed the payment by 3 months.

Chase is contradicting itself in banking services and practicing discriminatory in services by maintain multiple commercial loans with the consumer but proceed to close his/her Chase credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Dear Experian : You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from EXPERIAN XXXX XXXX, Inquiry Info : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX Reason : This inquiry was not authorized Credit Inquiry from EXPERIAN XXXX XXXX, Inquiry Info : HARD Inquiry : MiscellaneousAndPublicRecord -  XXXX Reason : This inquiry was not authorized Credit Inquiry from EXPERIAN XXXX XXXX  Inquiry Info : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX Reason : This inquiry was not authorized XXXXredit Inquiry from XXXX CARD, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXXXXXX XXXX  XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX Account : XXXX Reason : Please verify this account Creditor XXXX XXXX XXXX &, Account : XXXX Reason : Please verify this account
Product: Mortgage

Hello, I am submitting a complaint on the escrow shortage for our servicer. We purchased the home in XX/XX/XXXX. At the time of closing we setup our escrow account on the unimproved amount. The assessed amount at that time was {$350000.00}. In XX/XX/XXXX we paid an escrow short of over 6,000. It appears to me the lender did zero research in coming up with this figure. The taxes should have been based on an assessed amount of {$420000.00} which was the amount the county released and posted online in XX/XX/XXXX. <P/>Recently they sent us a bill dated XX/XX/XXXX yet again collecting an escrow shortage in the amount of {$2000.00}. We are now in XX/XX/XXXX and the assessed amount is {$410000.00}. I have called Roundpoint and asked them to explain how they continue to get away with setting up our escrow account wrong and the only answer I get is, sorry this is your taxes with ZERO explanation as to how we are now paying a 2nd shortage. <P/>How are we paying an escrow shortage when our taxes actually decreased from XX/XX/XXXX to XX/XX/XXXX expected amounts?? <P/>I am highly concerned with all borrowers being serviced with Roundpoint as we have no idea of what to expect our payment to be even when the assessed amounts are decreasing I am being asked to come up with more money. <P/>This is very hard on myself and my family to budget for a home. We are struggling to come up with the amounts and I feel they have failed to set proper expectations with me as a borrower. I am concerned with the decreasing values in my subdivision and the increase in my payment will force me out unable to sell for the amounts we owe.
Product: Mortgage

This is my second complaint to CFPB against PHH. In XXXX XXXX, I filed a complaint against PHH. However, before PHH could respond, XXXX, to which PHH had sold the Property already started eviction actions against me ( XXXX XXXX ). Therefore by the time PHH responded to the CFPB complaint in XXXX XXXX - essentially admitting their errors in fulfilling the agreed TPP - I had filed a civil complaint against both PHH and XXXX to protect my rights against their unlawful foreclosure and eviction actions, respectively. Because I have been proceeding pro se, both PHH and XXXX have continued to drag out this easily discernible injustice by legal maneuverings which I have been inadequately trying to defend. As a result, PHH has been able to skirt the issue of their failure to deal fairly in the execution of the TPP which was in place in XXXX and which, by their own admission, I never violated. My appeal is that CFPB will use a plain and straightforward method of enforcing the applicable regulations with which PHH has refused to comply for these 6 years ( from the onset of the TPP ) to date. 
Specific details, including timelines and pertinent court orders to date are in the attached documents. As of today 's date, my family and I face imminent but unlawful eviction from the Property at XXXX PA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times do I have to tell the Credit Reporting Agencies that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my file? I previously sent a letter to Transunion requesting the investigation and correction of the accounts and yet they have done nothing. Transunion is obliged to investigate and update this account per consumers requests under the FCRA regulation. The 3 credit bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that Transunion take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA XXXX XXXX  XXXX XXXX XXXX permissible purposes requirements.
Product: Debt collection

Credit Management XXXX XXXX XXXX ) is illegally reporting my information to Credit Reporting Agencies XXXX XXXX XXXX, XXXX, and XXXX. 

15 US Code 1681 ( b ) - Permissible purposes of Consumer Reports States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. in accordance with the written instructions of the consumer to whom it relates I dd not give verbal or written consent for my information to be shared with Credit Reporting Agencies
Product: Checking or savings account

I received a letter a few days ago from Wells Fargo telling me that they are going to close my two accounts in their bank on XXXX XXXX XXXX I was told that the decision of the bank is final. Anyway I called the bank to know the reason or get some explanation. First I spoke to the representative of the customer service and was told that they could not provide any information just I must know that the decision is final and the bank has a right to close my accounts. I told him that if the bank has a right to close my accounts then I as a customer I also have a right to know the reason. I told him that they can check my accounts there is no fraudulent activity or suspicious transaction on my accounts or any late payment for my credit card My accounts work in the same way as before what happened or what can cause to close my accounts. No answer, no explanation. Then I asked to connect me to supervisor. The same thing I explained her and got the same answer without any explanation. As a customer I have a right to know the reason of closing my accounts. I have analyzed myself if there is no fraudulent activity or transaction or late payment the only explanation is the fact of my national identity. I tend to think they are just closing my accounts because my last name ends in XXXX and I am XXXX I can not find any explanation to this awkward situation. 
I just want them to provide me reasonable explanation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX 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  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: Debt collection

I, XXXX XXXX, give authorization for True Accord to move forward with this complaint. 
THE COMPANY True Accord HAS EMAILED CORRESPONDENCE STATING I OWE THEM IN THE EMAIL AN ALLEGED WITH XXXX  XXXX. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. The company, True Accord, purchased a debt from another company and I have no involvement or a contract with my signature with the company True Accord. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. On XX/XX/1993, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas propers regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of Congress in the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore and hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. Please remember no written consent is identity theft.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information Discover is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Discover the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX or Discover whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Discover never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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 XXXX years. '' This account is an adverse item they are reporting again without my permission, which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.