23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have been experiencing a substantial amount of medical issues which caused me to be off work for extended periods of time without pay. I have informed the agency of my medical issues and my inability to pay and exhausted all resources to maintain a good standing with the companies. I have sold my car, borrowed from family and friends and opened additional loan account to pay them even though in the state of Oklahoma the law clearly states you are only allowed 2 but they granted additional loans and where aware of the other loans and payments. When I went to the doctor I was advised that my symptoms are related to my diagnosis of being XXXX XXXX  and so since my healthcare plan administrator is human resource I did not want my health information to get out so I stopped using the insurance and the medication cost is {$2000.00} for 30 days supply which honestly I just don't have and even after checking if ran through insurance would be {$520.00} I just have been overwhelmed and sick. I have repeated explained the situation with the companies not going into deep detail and I am receiving at least 10 calls per day on every phone listed, the calls are then followed up with threatening text messages, all references listed are called and provided confidential information about me which my family friends are not aware what is going on in detail because I stay isolated due to immune system is depleted and I am unable to be around people. I am receiving voicemails about wage garnishment, my avoiding their calls and being a terrible person, my losing my job if the wage garnishment is filed. Just a number of illegal tactics to put stress or force me the pay funds I just don't have and honestly at this time I have big things to deal with. I have received a number of calls from various coworkers and friends at work not listed stating that they called the main line and asked for me and went into detail why they were calling which is outrages.
Product: Mortgage

XX/XX/XXXX. This loan modification process has been going on since XXXX I have paid my trial payments in full, on time and have continued to pay. At least {$20000.00} in fees remain indecipherable. Both you, CFPB, and Bank of America ( BOA ) claim to have resolved or solved this mystery of these indecipherable, erroneous fees. You have not cleared the way for any professional to understand BOA 's documentation of monies. This may be BOA 's SOP, but again, unreasonable, indiscernible, and cryptic. Fair resolution : remove these thousands of dollars of fees and let us press on to modification in full.
Product: Mortgage

I had a FHA loan with a mortgage company who had set up an Escrow account for insurance and property taxes. Property tax was due for payment but the loan servicer did not pay it despite enough funds being in the escrow account resulting in penalty of {$160.00}. 
After the tax due date I had refinanced my mortgage and had to pay the penalty. I wrote and requested the Servicer for a refund but they denied saying that it was my responsibility and that nothing can be done as the account with them was closed.
Product: Credit card

I have a Macys credit card and i wanted to place an order which never in the past i had an issue and when i was on the chat screen with someone from Macys they told me i was past my credit limit and i asked how much and they well your limit is {$600.00} and you are at {$800.00} and something cant quite remember the exact amount. but i said " WHAT! '' how can i be past my limit when i was never told i was past my limit and to this date i get emails from you saying to pay the minimum due which is {$29.00} and i pay {$30.00} or more! How can they do this isnt this a ripoff?? if im at my limit there should not be any more charges past that amount!! I should only be charged the {$600.00} which is my credit limit! 
please advise me or let me know what to do
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt or credit management

XXXX switched loan over to SST, who changed loan agreements
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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

During the month of XX/XX/XXXX my roof was damaged in a hail storm. I reached out to my insurance company XXXX XXXX and within XXXX weeks I had a check for {$9500.00} made out to me and Rushmore Loan Management. I signed and sent them the check and they sent me XXXX XXXX of the funds {$4700.00} but made out incorrectly so the check was voided and sent back to Rushmore Loan Management. They sent me another check but in the meantime my roofer was injured on another job and unable to do my roof so I voided the check and sent it back to Rushmore Loan Management. On XX/XX/XXXX, Rushmore Servicing took over my mortgage from Rushmore Loan Management and I reached out to Rushmore Servicing to get funds to finally get the roof done. No problem Within XXXX weeks I had XXXX XXXX a check for {$4700.00}. Roof was replaced and i called Rushmore Servicing to have an inspection done to release the rest of the funds. I got the inspection done and I have been waiting for my 2nd check for {$4700.00} since the end of XX/XX/XXXX. 
They have told me several different things from they don't know where the money was escrowed at when they took over my loan to the check was cashed and they are waiting in a copy which will then need to have a stop pay put on it and then reissued. 
I am a single mom XXXX XXXX  XXXX XXXX XXXX. I have paid my insurance premiums since I built the house in XXXX and never had an insurance claim before this roof. Now I am having to pay the contractor myself because they won't give me my money. I am reaching out to you for help because I don't know what else to do. I just want the {$4700.00} to pay my contractor for the roof job that he did. Can you please help me.
Product: Money transfer, virtual currency, or money service

Ally bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Have taken my Electronic transfer SAVING ACCOUNTS and Checking accounts and along with all the funds that I have earned XX/XX/XXXX XX/XX/XXXX My investments accounts are now in jeopardy because of this incident. Which is a managing problems not a consumer situation. hopefully this will come to an end and everything will go back to normal, can't even access my normal savings account under this diligence.
Product: Mortgage

We purchased a rental property on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, on advice of my lawyer, we formed an XXXX and the deed for the property was transferred into the XXXX. This continued for almost 5 years until XX/XX/XXXX when we received a notification from the mortgage company that transferring the deed to the XXXX was in violation to the mortgage agreement. After several back and forth between my lawyer and theirs, we did move the property from the XXXX per their demand. 
In XXXX the mortgage company offered to refinance our loan for property to achieve a better interest rate. In the process of this process we discovered in XXXX XXXX that the mortgage company had unilaterally and without any notice decided to take our excess payment of {$14.00} to a separate account. We had sent this over payment every month since the loan inception and it had been applied to the principal until XXXX XXXX. We requested of the mortgage company an explanation and they responded with the attached letter dated XXXX XXXX, XXXX. Apparently they had charged {$800.00} as a litigation fee. 
We have since paid off this loan including the {$800.00} charge. We declined to take mortgage company to court over the litigation fee since a lawyer would cost us in excess of the charge and, based on history, the mortgage company may well attempt to charge us their legal costs. For your information, we spent over {$1000.00} to change the deed back to our names. 
Following are our complaints with the mortgage company and would appreciate your assistance to resolve any or all of these issues. 
1. The litigation fee of {$800.00} charged to us by mortgage company appears unjustified. Our lawyer simply questioned them on their objection to the property being placed in a LLC. After some conversation with the mortgage company, he reluctantly advised us to change it back which we did at our expense. We believe the litigation fees charge us by the mortgage company {$800.00} should be refunded to us. 
2. The mortgage company had no right, without prior approval or notification, to take the excess {$14.00} each month and apply it to their stated litigation charge instead of the principal as had been done for years. We believe this was inappropriate on their part and they should be precluded from taking this type of action with other customers. 
Thank you for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I received an XXXX negative collection from Lockhart, Morris and Montgomery. The report number is XXXX. I requested they verify and provide me with medical information showing that this is my debt. They did not provide me with anything. I don't see how they could even verify anything with a third party considering they legally can not violate HIPPA. 

I am requesting this negative collection report be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed an inaccurate account. I feel that this account affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this for me to ensure accuracy. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail.
Product: Debt collection

Repeated calls from XXXX from XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

As of XX/XX/24 company by the name of portfolio recovery associated is reporting for amounts {$810.00} this account does not belong to me and Ive disputed this before.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

PNC lost the original Ohio Title. The new car was purchased in Ohio and PNC is the lender. PNC received the Ohio Title but has not forwarded the Title so it could be transferred to Pennsylvania and registered, plated, and inspected in PA. PNC has lost Title and continues to advise that it has been escalated and is being sent but we have to wait for the process. They now say they have the title but have no idea why it has not been sent to us. They cant advise of the process or provide an escalation contact. 
XXXX advised us that we can continue to drive the car with expired tags and it will be legal. We have called PNC 17 times totaling 23 hours of phone conversations and have been advised that they don't know what went wrong and they cant escalate any faster and that they do have the car title which needs to be transferred but even though it is perfected they have a process for mailing even though they have delayed 3 weeks. We have been forced to call every few days and sit on the phone for hours with no resolution. We have also been advised that it has been escalated to their complaint resolution team and they would contact us for resolution within 24-48 hours. The first complaint was 11 days ago and we do not receive returns calls or communication.
Product: Prepaid card

XX/XX/23 - I attempted to use the card at XXXX and XXXX and was declined. I first tried the entire balance of the card ( {$100.00} ) and then tried purchases that were below the balance. Each time it was declined. I also tried adding it to XXXX XXXX, which is actually suggested on their website, and it was declined. 

XX/XX/23 - I tried it again at XXXX and XXXX and was declined. I called the XXXX number for Amex XXXX : XXXX time : The agent said there was a protection on my account, and she fixed it. After hanging up, I tried again at XXXX and XXXX and was declined. 
XXXX time : After being declined, I called back. The agent gave the same spiel about a protection being on my account. I let him know the last agent said the same. I asked several times for a list of places where I could use the card since it clearly could not be used everywhere. He said there was no list like that. He also said you can not use it with XXXX XXXX despite their website saying you can. He didn't have a good answer for why XXXX wasn't taking it despite taking another gift card I had. He suggested trying {$80.00} at XXXX in case they were automatically calculating a tip. I tried that and it didn't work. I asked for a refund, he said he was transferring me, and I got disconnected. 
3rd time : After being disconnected, I called back. I ended up in circular conversation with the agent who said the card is taken " anywhere that accepts gift cards. '' I explained that I used a gift card at XXXX right before this one and it works, thus showing they accept gift cards, just not this one. She also said she would transfer me to a supervisor and disconnected me instead. 

I then tried a {$75.00} purchase at XXXX ( well below my {$100.00} balance ) and was declined. This card does not work at any of these major retailers and I can not get any information from the company on where the card is taken.
Product: Money transfer, virtual currency, or money service

Due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish credit reports under specific circumstances and with the explicit authorization of the consumer. I did not authorize the following inquiry, and therefore, it should be removed from my report. 
The inclusion of this unauthorized inquiry violates several laws that protect my personal information and ensure the accuracy of my credit report. Specifically, the following laws apply : 15 U.S. Code 6801 : Protection of personal information. 
15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations can have a significant negative impact on my creditworthiness and financial standing. I request that you take immediate action to investigate and remove the unauthorized inquiry from my credit report. 

To support my request, I have attached a copy of my identification and proof of address. Once the inquiry has been removed, please send me a copy of my updated credit report reflecting the correction. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I have requested the PMI be removed from my loan on multiple occasions. Once I got the amount needed to pay the loan below 80 %, with the last lump sum payment of {$9600.00} on XX/XX/XXXX another request was sent by email to remove the PMI. According to the letter from United Wholesale Mortgage dated XX/XX/XXXX it states the different ways to remove PMII qualify for the borrower requested cancellation of PMI removal option # 2 : the date the principal balance actually reaches 80 % of the original value of the property.

The PMI has continued to be wrongfully charged {$97.00} in XXXX and XXXX. I want these PMI payments reimbursed due to the current loan to value being below 80 % and I want the PMI removed ASAP. Every time my we contact UWM we get the run around and that the department is busy. It has been well over 30 days from removal request. This company is deceiving in what they state in their letters and on the phone, and lie and dont follow through on their end once they have my money. I can not talk to anybody or escalate anything in the escrow department. The frontline customer service reps can not fix my issue. I have tried many times and feel I am being tricked by my mortgage lender and they are actually now stealing money from me because they are taking XXXX per month without authorization.