23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have our mortgage through Bank of America. We were told if we paid down principle to 78 % of the original amount that the mortgage insurance payments would automatically stop. We paid the amount in  XX/XX/2018 and the PMI never stopped. I called three times and was told it would happen automatically. I called a fourth time in XX/XX/2018 and was told I needed to apply to have the PMI cancelled, which I did then and it has since been cancelled. I was upset at being repeatedly given the wrong information and filed a complaint at my bank branch. I requested a refund of the overpayments and BOA now, a month later, says that will take months and will be subject to a HUD review since it was an FHA loan. This is frustrating since BOA repeatedly gave the wrong information and they refuse to fix the problem. I am also concerned this could a symptom of a bigger issue at BOA in regards to their ability to service mortgages correctly.
Product: Payday loan, title loan, or personal loan

I have made  2 att empts with this company to try and settle this outrageous loan. They deny to help or settle in anyway. I sent them a hardship letter pleading to settle this debt as I can no longer make the full payments as being in hardship and a single mother of  XXXX  now. They would rather me not pay and it go into collections than try to b e CIVIL  in this matter. This company should be shut down as it prays on poor desperate people who either have no choice at time or do not understand. They are rude and very unprofessional! I feel they have very bad business practice, and I feel there should be a law against these kinds of companies! I made a very good offer to pay the EXACT amount I was lent no more no less. But again they would rather not be paid and hurt me and others more by not helping in anyway! At least I have 2 times now tried to settle this, now I 'm almost 2 months behind on this loan after NEVER being late once! Horrible I burrowed {$5400.00} have pain back {$2200.00} and they show I still owe {$5100.00}? so out of {$2200.00} worth of my money I paid them, they are showing I still owe {$5100.00}? NUTS!! So meaning only {$340.00} of {$2200.00} has gone to my principal! JUST SICKNING! I am willing to go to the news or court to file a complaint against this company and help warn other people!    Desired Resolution : Billing Adjustment Desired Outcome
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian of reporting my XXXX XXXX account as late when it is in fact not late. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave Experian or XXXX XXXX written insructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Experian has caused me severe stress and has also caused me to get denied for credit due to abusive and unfair practices. I demanded Experian to report the account as paid or paid as agreed and they have failed to do so and responded by saying the information was " verified ''. Experian is in fact violating my consumer rights as they never got my written consent to furnish my report on my behalf, and transactions between a consumer and a person is not supposed to be included onto consumer reports.
Product: Debt collection

LVN and XXXX XXXX are in violation. XXXX is where I have made multipule disputes and XXXX states its verified. I have requested validation as well as the buyers purchase agrements. I have recieved nothing. It has been over a year. They by law have to be removed if not able to supply validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REVIEWING MY CREDIT REPORT AND FIND INCORRECT ACTIVITY IN MY CREDIT REPORT I FOUND A FRAUDULENT ACCOUNTS PLEASE DELETE THESE FRAUDULENT ACCOUNTS HERE I GIVE YOU THE ACCOUNTS AS A FRAUD.
Product: Mortgage

Nationstar Mortgage dba Mr. Cooper is claiming I owe lender paid expense balance of {$3600.00}. 

They can not provide a detailed listing of what the expense are for and I have disputed these charges multiple times. Are they violating Mortgage Servicer legal requirements by failing to provide requested information about the mortgage? 

I dispute the charges and they are referring me to a previous servicer. If Mr. Cooper is attempting to collect that debt they need to provide detailed information of the debt or remove this from the mortgage. 

Thank you,
Product: Consumer Loan

In XXXX my husband and I received a flier for a special Sears Home Services was having for new windows + installation with approved credit and no interest financing for a period of time. We had done all of our research, had been pre-approved for the loan and were ready to buy the product. The saleswoman came to our house and spent THREE hours on the demonstration, even though we told her exactly what we wanted within the first 15 minutes of her arrival. It was after XXXX when she left and I had an 11 month, a young child, and I was pregnant and told her we just wanted to make it quick. She charged the approximately {$10000.00} to our Sears Credit Line. After she finally left, we were told the contractor would be in touch to schedule the work that week. We never heard from him and called him numerous times. ( XXXX of Sears selling points, btw, is that they use their own contractors - NO - they hire 3rd pary independent contractors. We called the sales woman back, customer service, anyone we could think of. Two months had passed XXXX XXXX and XXXX XXXX - I made payments in both of those months. By XXXX I called Sears and said I would n't make any more payments and that I wanted my money back. The customer service representative was very nice this time and said " let me see what I can do '' - that afternoon we heard from the contractor for the first time. He said he would be out the next week to measure our windows. He did n't come when he said so again we called him multiple times. He finally came later that week to measure and said the windows would be installed the following week. Again, two weeks went by with no calls and no response to my calls, so I called Sears again and said I would n't make a payment until I received my windows or I wanted my money back ( this was the end of XXXX - three months after the purchase - and I did not make a payment that month ). I did not make a payment in the month of XXXX either, though the contractor did come back and say he ordered the wrong windows so it would be another few weeks. Our windows were finally installed in XXXX - 6 months after purchase - they ruined some of the walls around the windows and made a huge mess with the installation, but at least we finally had the windows. I did make payments that XXXX and was never late again. I have requested multiple times that Sears have the derogatory remarks removed from my credit report - they held me and my money hostage and of all of the accounts I have, I have no other late payments. I am trying to refinance my house right now and this is affecting me negatively. Please do what you can to help me have these XXXX late payments from XXXX removed from my credit reports. Thank you for helping me.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grant me the right to request the removal of fraudulent or unauthorized information resulting from a data breach. 
The following accounts have been compromised due to the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening and Happy New Year! I'm actually coming to this forum to draft a formal complaint against the 3 major credit bureus for failing to properly investigate these accounts that you see on the attachments. For the last 6-9 months, i've dedicated my time and money on drafting letters and send the letters through USPS. I find it really hard that XXXX ; transunion and XXXX  actually performed any investigation into these accounts. What was your actual method of investigation ; who did you talked to? Did you just used your electronic e-oscar system to verify the data? I called each of these account and they said that they never received any of the complaints or letters i sent to you guys, but yet i keep getting these genetic pre-printed templates saying that those accounts has been verified as accurate reporting - how so? 

Again, you continue to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, who did the account go transferred to, the last time you reported, the last time i made payment, etc, etc. Therefore, it's impossible that you honestly performed a true investigation into these accounts, but instead, just ignored my entire request from the last 9+ months.

ALso, I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process - which i contacted them directly through mail. Im extremely upset and shocked about the way these charge-off accounts and negative items are reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified!
Product: Credit reporting, credit repair services, or other personal consumer reports

I explicitly declined a hard inquiry to my credit report when setting up XXXX satellite service ( via recorded line telephone on XX/XX/2017 ). XXXX stated they could pull a soft inquiry, and I agreed. Upon checking my report, I see they did in fact pull a hard inquiry, which is negatively affecting my Equifax credit score. Since I explicitly declined a hard inquiry because I knew it would impact my credit, I am asking the CFPB to be my advocate with the XXXX multimedia conglomerate,  who is not responsive, or set-up to handle these types of corrections.
Product: Credit card

Ref original complaint XXXX. The company says they are " still working on it ''. How long do they need to " work on '' illicit charges, especially since this is the 2nd time we've had to stop all charges and the 3rd card they've sent us. Apparently, they have an internal security problem, otherwise this would not keep happening over and over. 

We have a {$140.00} credit on the statement, regardless, and we've repeatedly told them all we want is our {$140.00}. After several months of repeating this, I hardly think they're " still working on it ''. They're lying, plain and simple.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number XXXX opened XX/XX/year> amount of {$8200.00} is a fraudulent account related to identity theft and needs removed and blocked according to FCRA 605B ( 15 U.S.C. 1681c-2 )
Product: Credit reporting or other personal consumer reports

The letter attached shows discrepancies and unauthorized items on my report.
Product: Credit card or prepaid card

text read " - ( Bnkx0f*America= ) - debit card restricted please_contact us at XXXX to resolve this issue ''
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed derogatory and collections that I did not make nor did I approve anyone to pull my credit report.
Product: Money transfer, virtual currency, or money service

Opened an account with suntrust bank on XX/XX/XXXX. Moved from out of state and deposited my life savings. Account was rejected on XX/XX/XXXX with a letter stating my check would be mailed to me within 15 business days. I called and was told I needed to submit 2 forms of ID and a notarized letter from my previous bank in order for my money to be released.Submitted the paperwork TWICE ON XX/XX/XXXX AND XX/XX/XXXX saying it would be processed within 24-48 hours. CALLED AGAIN TODAY XX/XX/XXXX AND NEED MORE DOCUMENTATION! I havent had access to my money from XXXX goin on XX/XX/XXXX
Product: Debt collection

In accordance with the fair Credit Reporting act XXXX XXXX XXXX {$1900.00} XX/XX/2022 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

At approximately XXXX XXXX on XX/XX/2018 I placed a call to equifax at XXXX. After explaining that I had received a credit alert notice on my XXXX account and wanted an explanation of the issue, the rep named XXXX said he had to place me on hold for " research ''. After leaving me on hold for four minutes, he came back on and said " our system is being updated right now ''. So I said " Are you telling me you can not access my account now? '' He said, 'our system is being updated '. I said it was a yes/no answer and we went back and forth. He refused to answer me. I asked to speak to an advisor, he came back on after three minutes to say no one was available. I again asked to speak to a manager. He transferred me to the " manager ' desk which had a message on it to leave a message and I'd be called back in a day. This is ridiculous! First they have a breach of my data, then they offer me free protection on my account, then they won't access my account. Infuriating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I asked Experian to verify collection account reported by XXXX XXXX Account # XXXX. Experian responded with account has been verified by the XXXX XXXX I contacted XXXX and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe ) .When, XXXX XXXX responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX stating that XXXX XXXX had purchased the debt, but did not provide any additional information spelled out in under " Spears v Brennan '' I forwarded this information to Experian and requested a re-investigation under 15 USC 1681 along with response from original creditor and XXXX XXXX ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX ''. My recent credit report from Experian still shows the " Unverified '' account on my report. 

15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.
Product: Mortgage

In XXXX of each year, I receive an escrow review statement from Wells Fargo Home Mortgage. These statements advise me of any escrow account shortage. My XX/XX/XXXX ( Exhibit 3 ) escrow review statement showed a shortage of only {$270.00}. The following year 's statement dated XX/XX/XXXX ( Exh. 2 )  showed an escrow shortage of {$550.00}. However, my most recent statement ( Exhibit 1 ), dated XX/XX/XXXX, inexplicably shows a shortage of a whopping {$2900.00}. 
A review of the escrow statements reveal that these shortages are based on " projections '' ( page 2 of exh. 1 ). However, as page 3 of Exh. 1 shows, the projection formula is based on " what [ XXXX XXXX ] expects to pay out. '' I have no idea how these year-to-year projection expectation amounts are determined, though I suspect that the increase is linked to a claim I made in XXXX. A neighbor whose rear yard abuts mine was working on his car in his rear yard and apparently did not have the vehicle properly braced. It consequently crashed through his rear fence, descended down the hill, crashed into the rear of my property, causing severe damage to the exterior and interior of my home. I have been using XXXX XXXX through Wells Fargo as my escrow manager for over fifteen years without ever having to make a claim. I can only surmise that the huge increase in my escrow " projection '' of what is expected to be paid out is somehow correlated to my damage claim which was not my fault. 
I am asking for an explanation from Wells Fargo and/or XXXX XXXX as to how this exorbitant increase in escrow projection was determined. As I have observed, it appears to be correlated to my claim which goes against the basic tenet of insurance, which is to spread risk among the company 's insured so that no one is hit with a menacing escrow shortage in the event of a needed claim. 
Exhibit 1, page 3, shows that {$950.00} was paid to XXXX XXXX County Revenue Department for my annual XXXX property tax bill, so it is impossible to reconcile why my escrow account must be as high as {$2900.00} from {$550.00} the previous year. 
Additionally, I am asking for an explanation over the " ESC REFUND '' indicated at the XX/XX/XXXX line of Exhibit 1 page 3, as I do not recall receiving a refund, nor was I told that any refund was applied to the principal of my mortgage. 
Hopefully, CFPB can assist me in resolving this matter so that the escrow shortage can be reduced to a reasonable amount that I can afford.
Product: Debt collection

Jefferson Capital System Information request letter sent to validate debt with a billing statement in the following dates : XXXX XXXX XXXX XXXX No response
Product: Debt collection

I have been in contact with XXXX XXXX XXXX on a debt that I owe from a payday loan. In the beginning they would call me almost 10 times a daly leaving threading voicemails saying they would sue me if I did not contact them. I finally got ahold of them and set up a payment plan to pay the debt. I have been paying {$140.00} every 2 weeks since may of 2017. This past week I received a paper check and needed to take it to the bank for deposit there fore the payment did not go through. They contacted and left me a voicemail threatening to sue if I do not pay. I called back as soon as I could explained the situation and set up another payment. By the time I left work and looked at my check it was n't going to be enough to pay the {$140.00} on top of rent and all other expenses. I tried calling calling back to cancel the payment, but the office was closed. They called me the next Monday and XXXX who I 've been talking to the whole time was instantly rude he said if I did not pay the {$140.00} they would sue me. Keep in mind I have been making {$140.00} payments ALL on time. This payment was my second to last payment. I asked XXXX  if I could move the payments back 2 weeks and he sent me directly to a litigation manager. XXXX got on the phone and started yelling at me she again said if I did not pay the {$140.00} she would sue me and If I did n't have the funds right now and if she was feeling motivated enough she would contact a lawyer and have him at my door in a couple hours. I then explained to her exactly what I told XXXX and she said " Are you XXXX or can you just not hear? Either pay today or we will sue you. '' I asked her why she was being disrespectful ... mind you I have not raised my voice or anything at her I kept calm even after she called me XXXX. She said she was not being disrespectful and if I do not cooperate she would delete my card information with out my approval and right it off as I never intended to pay. I then asked for her supervisor. Her response is " I am the manager '' I said there has to be someone above you I can speak to them. Her response again is " I am the manger ''. At this point my patients is wearing thin and I asked again for her supervisor and her response " Wow you must really be XXXX ... I just said I am the manager what part of that do you not understand. What are you going to say to my supervisor ... Oh, I 'm sad because I ca n't pay my bills and XXXX is being mean and doing her job. May I add I do my job very well. You low life black girl why do n't you figure out how you are going to pay me today ''. At this point I 'm so angry I did raise my voice and said I want a manager now. Her response " let me get you someone to pretend they are my suporvisor. '' She then hangs up. So I call back and some new lady is on the phone giving me the same response " pay today or get sued '' again keep in mind I have been on time every 2 weeks paying {$140.00} every 2 weeks. This was my sencond to last payment and I need to move the last 2 payments. All of this is completely illegal not only did they call me XXXX.. they brought my race into it.
Product: Debt collection

XXXX & XXXX garnished my work checks for 4 months. I have not received any correspondence regarding this debt. More importantly the debt is past the State of Michigan limitations. Somehow, XXXX XXXX XXXX allowed/approved XXXX & XXXX and PORTFOLIO RECOVERY ASSOCIATES LLC XXXX There's no proof of them even serving me or notifying me of such debt. They just started collecting money without any notices. 

This is criminal activity. 

Plenty of complaints about both companies all over the internet with illegal practices. 

These companies NEED to be held accountable for their practices.