23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

America 's Servicing Company ( ASC ) is refusing the borrower 's legal representation to speak on the borrower 's behalf and is also refusing the borrower 's right to obtain information on the the borrower 's own account. ASC was sent Notice of Representation on XX/XX/XXXX ; hereto attached. ASC did not send acknowledgement of his representation until XX/XX/XXXX, hereto attached. The XXXX XXXX XXXX XXXX XXXX XXXX has continued to represent the borrower to date. All correspondence relative to this account is mailed to the address of the XXXX XXXX XXXX XXXX XXXX XXXX. ASC Correspondence began to reflect an associate attorney XXXX XXXX XXXX XXXX the XXXX XXXX XXXX XXXX XXXX XXXX as the authorized representative without instruction from the borrower or The XXXX XXXX XXXX XXXX XXXX XXXX and is no longer allowing the borrower or the borrower 's legal representative to obtain any information on the mortgage. The borrower has a sale date approaching on XX/XX/XXXX. The first authorization took a turn around time of over 2 weeks for ASC to process the authorization. If ASC takes 2 weeks again to process the Notice of Representation as being requested again it will surpass the borrower 's sale date. This is truly a misjustice to the borrower as well as many other Homeowner 's faced with these unethical practices. On XXXX we attempted XXXX phone calls to speak on behalf of the client and were given XXXX different responses each time we called ; At the end neither the borrower nor the attorney were able to obtain mortgage information due to the borrower being represented by legal counsel. We are requesting an immediate escalation to this matter due to the pending sale date. We are requesting for ASC to reflect the correct represenation as prescribed in the Notice of representation as The XXXX XXXX XXXX XXXX XXXX XXXX. Attorney XXXX XXXX also reflects his name misspelled in all correspondence received from ASC. The authorization should not list an associate attorney of the Law Firm as the authorized representative but should reflect The XXXX XXXX XXXX XXXX XXXX XXXX. ASC continue to stated the XXXX XXXX XXXX XXXX XXXX XXXX is not longer authorized but continues to send all correspondence to said Law Office 's address.
Product: Credit card or prepaid card

On XX/XX/2020 a Credit Limit Increase was requested on my Best Buy by CitiBank Credit card. This request was denied for the following reason ( s ) : " Unsatisfactory existing account payment history '' By definition this is stating that I have poor payment history. Which is inaccurate, unethical and is a violation of the agreed terms and conditions of this account. I, XXXX XXXX XXXX XXXX, Have never previously utilized this account, no payment 's have ever been due, account has maintained a XXXX  balance since opening 6+ months ago. Below is attached the denial letter, and a copy of my credit report showing that the payment history on this account is reporting as " Satisfactory ''.
Product: Credit card

contacted customer service on XX/XX/year> because i did not receive a paper bill ( as i usually do ) they advised my account had been changed to paperless and the phone number they had on file was unfamiliar. I saw a copy of the bill online at this point i advised the agent i do not recognize multiple transaction on my statement, they then opened a fraud case. In the next couple weeks i got a letter stating my account was credited for the amount disputed. 
In XXXX was the next time i heard from Bank of America stating they were not able to approve the dispute, and the credit was reversed. I contacted them again on XX/XX/XXXX to appeal the denial. In the mean time i was still getting calls to pay on my card and getting charged late fees and interest, i kept advising them my all transactions that are on my card are fraudulent and i would not be paying until resolved. They sent another denial letter on XX/XX/XXXX on the XXXX i contacted them again to advise i still would not be paying because these are fraudulent charges and i still did not receive documents regarding the transactions to date. 
I contacted them again in XX/XX/XXXX to again dispute charges and request documentation regarding transactions in question. On XX/XX/XXXX i contacted them again and said the decision is still pending ( I was on the phone at least XXXX minutes ) the response was XXXX business days. 
These transactions were made possibly by someone in the XXXX. The only description we have is XXXX  XXXX  and XXXX XXXX, we have no affiliation to anyone in the XXXX or order anything from there. I am disappointed they did not contact me regard suspicious activity, I've had this card for XXXX years and have never had these types of foreign transactions on my account. 
Thank you in advance for your support, XXXX XXXX
Product: Mortgage

I have been cancelled on my home owners insurance, which under my conventional loan/policy I must have on my property. My Homeowners insurance is through XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX Telephone : XXXX ). The bill was supposed to have been paid on XX/XX/2020 in the amount of {$2500.00}, and the lender, US Bank Home Mortgage ( U.S. Bank Home Mortgage, XXXX. XXXX XXXX, XXXX, MN XXXX XXXX : XXXX XXXX, who handles the escrow, failed to pay. I have contacted them on multiple occasions, one date being XX/XX/2020 where they verbally told me via the phone that they had written a check # XXXX and that it was getting mailed via USPS tracking : XXXX, and that it was going to be over nighted. After following up with my home owners insurance XXXX XXXX XXXX XXXX one week later on XX/XX/XXXX, they still had not received it. I then followed up on XX/XX/XXXX with XXXX XXXX, and they stated they still did not have it. At this point I am baffled and feel stuck that there is nothing I can do. US Bank still continues to tell me that they sent the payment. At this point XXXX told me on XX/XX/XXXX that if they don't have it, it likely was not sent.
Product: Mortgage

I received a letter on my front door from a company who claims they a second lien on my house. I am unaware of this company and need to know if they are legit. When i first purchase my home i had two mortgages but later to my understanding i refinanced and combined the debt. This company by the name of Dyck Oneal claims they bought the account from the second lien holder. They never sent me any packet info neither have i signed any paperwork within the last ten years. Now they have sent a payment book and threaten to report to the credit bureau if i don't pay. I would like to know can they open an account that is over ten years old and do they have a lien on my property? They are demanding payments from me now.
Product: Credit reporting or other personal consumer reports

I made full payment the was reporting me as late payment I called them the said the cant do anything I would like to get removed out of my Credit bureau it was XXXX balance and o paid XXXX with interest fees total date of closed account was on XX/XX/year>
Product: Credit reporting or other personal consumer reports

Unauthorized companies have accessed my credit report without my permission, which has severely impacted my credit score. I contacted Experian, and while they assured me these fraudulent inquiries would be removed, theyre still showing up. This issue is not only causing me XXXX  about potential identity theft but also making it difficult for me to manage my finances. Ive been denied credit opportunities, and the constant worry about my financial standing is overwhelming, adding unnecessary stress to an already difficult situation.
Product: Mortgage

In XX/XX/year> roundpoint mortgage purchased my loan from XXXX XXXX. 

My payment had already been sent to XXXX so I called Roundpoint and they said they would help track it down. I sent proof of payment and conformation # of the payment. I never received a call back and assumed they had helped sort the issue. Come to find out they never intended to help but rather started charging me late fees. I ended up having to sort it with flagstar and the payment was made. 

Over 2 years I have called over and over again to have these fees removed and have been given nothing but lip service. Even once i was current on payment they keep charging late fees ON MY LATE FEES. I've called over XXXX times and have been told I would get a call back. The late fee of {$57.00} is now {$620.00}. 

This is predatory lending and I am appaled these banks are allowed to do this. I am asking for support. they clearly don't intend to fix it and apparently if they are allowed to do this why would they stop?
Product: Credit reporting or other personal consumer reports

Notice of Violation of the Card Holder Agreement, please see attach flies
Product: Credit reporting

Credit inquiries were removed from my Trans Union credit report and then they were all added back which is against the law. I 've reached out to them to ask them to remove all inquiries and I have not had any success. Thanks in advance for your help!
Product: Payday loan, title loan, or personal loan

Im not sure how they received my information but these people pretended to be a loan office through Allied Cash Advance. I initially recieved an email saying I had been approved & & they called my phone on XX/XX/2021 where they Verified my loan application. On that afternoon I was told I needed to pay a security payment via XXXX Gift Card of {$170.00} & it would be refunded. After making the payment I was told that I would receive an email from the Texas Department of finance so it could be deposited into my bank account which I did but I had to pay a charge of {$350.00} that would be refunded once I received clearance. After waiting 2 hours I was told that my bank does not accept wire transfers which I confirmed they do not. So I had to pay the money gram fees of {$480.00} to receive my loan. So once paid I was told to wait for my reference code to be provided & once received it was incorrect & & the company was closed. So I called on Saturday morning & & was told that I need to pay an additional {$400.00} because they had to break the transfer into smaller increments. Once I refused to provide any more money they told me that I would have to a total of {$250.00} cancel the XXXX & & receive my refund via money gram! I have spoken with XXXX & & the told me to go ahead & & file my report because I was scammed not once but twice by two different companies
Product: Mortgage

I have a $ XXXX HELOC with TD Bank and borrowed $ XXXX against it for appromixately 1.5 months. I paid {$150.00} of interest when I paid back the principal and was susequently billed for an additional {$130.00} of 'residual interest ' and dunned repeatedly by staff for late balance. Nowhere in the online transaction history is there an accounting of how interest is posted or calculated so that I can determine if it is an appropriate amount to be charged before paying. The interest owed is not posted on online transaction history. Together these interest amounts seem high relative to the period the principal balance is outstanding. And without these details posted the customer has no transparency to determine the fairness. I have no ability to determine if they are charging me for amounts in excess of the time period for which the principal balance was outstanding or using some other deceptive practice to create a higher than 8.7 % effective APR. 

I am now waiting for a " payoff statement '' to come in the mail, so that I can determine how this additional interest is calculated before paying. TD says they are unable to email me this information. And as previously mentioned, it is not available in the online transaction history. 

When speaking to the customer service rep she acknowledged that there has been a lot of " complaints '' about this. It doesn't seem reasonable that a product can go to market that assesses interest without clear and transparent methods posted in the online transaction history. Especially coupled with aggressive collection methods, posting of late charges, and written notices that they will report delinquencies to credit bureaus.
Product: Debt collection

I call and ask them to remove from credit as error and incorrect. They didnt remove it and this information is incorrect. Its against the law for them to be on credit report after I ask them to remove errors and themselves from credit.
Product: Debt collection

Billing Date : XX/XX/XXXX Amount : {$370.00} Debt Collector : Shepherd Outsourcing I began receiving calls from Shepherd Outsourcing recently. They informed me that I owed {$370.00}, but I have never heard of this amount before, nor have I been notified of this specific bill from XXXX XXXX XXXX XXXX. They claimed that I " opted out '' of communication in XXXX with another debt collector but couldn't tell me which debt collector that was. According to them, this opt-out is the reason I was never notified of the bill. 

I asked if they could email me a copy of the bill along with a breakdown of the charges, but they refused. Additionally, I have a separate bill from XXXX XXXX 's for around {$6700.00} that I am working on with my insurance. The hospital mistakenly billed me as uninsured when I was, in fact, insured. I have been aware of this larger bill and have contacted my insurance to submit a waiver for past timely filing to XXXX. 

When speaking with Shepherd Outsourcing, they asked for my bank account information, which I provided. I assumed the {$370.00} was the amount due after my insurance paid a portion of the {$6700.00} bill. However, after speaking with XXXX, I discovered this was not the case. Shepherd Outsourcing misled me into providing my bank information by making me believe the {$370.00} was related to the insurance adjustment.

I called Shepherd Outsourcing back to dispute the {$370.00} amount, but they refused. They said I had already agreed to pay the amount, and despite my repeated requests for proof, they couldn't provide any. They couldn't tell me who the original or previous debt collectors were and couldn't verify that I actually owed this amount, thus denying me the opportunity to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry from a fraud ( they applied for a credit card with my info ) and I reported this to XXXX XXXX and to Discover and XXXX XXXX did not remove thnis from every credit bureau. I still see this on some reports and it needs to be removed. I proved it was fraud and I have my credit frozen because it might be apoaring onn the dark web, this has happerned 2 times this past year in which I reported the fraud and I was also notified because I have warnimngs set. This 2 hard inquiries need to removed of all credit reports. please help me and take care of this, thank you, Sincerely XXXX XXXX
Product: Credit card

I have a Costco credit card that I used primarily to buy from Costco and once in a while shop in other places. In XXXX I noticed a couple of fraudulent charges that summed up to {$860.00}. I called and disputed the charges right away. Few months later Costco sent me a letter that they closed the dispute and can not credit my account for the fraudulent charges because " The card 's XXXX chip was used to make the disputed transactions, so they don't consider the charges fraudulent activity. '' I have explained to them multiple times that I do not make purchases with the type of merchants and do not buy the type of products. Yes, my card is physically with me XXXX. I did not make the purchase and have never entered the stores where the purchases where made in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX, has violated my rights with an unauthorized inquiry on XX/XX/22. 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.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my credit report thy does not belong to me, I been a victim of identity theft in the past.
Product: Debt collection

The bill belongs to XXXX and I have been telling them this for the past two years now and after I show prove they removed one bill and sent me a letter saying that it was removed then they but it right back on my credit report and it 's not even my bill!
Product: Debt collection

I recently pulled my credit report from all 3 major credit bureaus and noticed a collection being reported in my name from SECURITY CREDIT SERVICES in the amount of {$1900.00} Opened XX/XX/year> ( XXXX mos ) This account was fraudulently opened in my name due to identity theft and this item reporting has caused me a lot of mental anguish and is preventing financially in my life as well as my family. I ask that you kindly review the attached identity theft affidavit that I had notarized and remove the account from my credit report. 

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain hard inquiries listed on my credit report. I believe these inquiries were made without my authorization or are otherwise inaccurate or unlawful under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I noticed the following hard inquiries that I believe should be removed due to lack of authorization : Inquiry XXXX : ** [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] Inquiry XXXX : ** XXXX XXXX XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX  ] [ XX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX XXXX ] [ XX/XX/XXXX ] ( Include additional inquiries if applicable ) Under the **Fair Credit Reporting Act ( FCRA ) **, specifically Section 604, a hard inquiry may only be placed on your credit report when you provide consent. If any of these inquiries were made without my consent or were not initiated by me, they are in violation of my consumer rights and should be promptly removed. 

Please investigate these inquiries and remove them if they were unauthorized. You are required to complete your investigation within 30 days and provide me with the results of your findings. 

Additionally, I would like to remind you that under the FCRA, I have the right to request that any information found to be inaccurate, incomplete, or unverifiable be deleted from my credit report. 



Thank you for your attention to this matter. I look forward to your prompt response.
Product: Student loan

I transferred my student loans to Federal Loan Servicing XX/XX/2015 from XXXX. I had been previously enrolled in the IRB repayment plan and was part of the Public Service Loan forgiveness program. On transfer of my loans, Fed Loan Servicing did not count any of my payments made while on IRB ( 35 payments ) towards my Public Service Loan forgiveness. Its been 5 months, XXXX phone calls and XXXX forms sent and this issue STILL is not resolved. Furthermore, in XX/XX/XXXX, I reapplied online for my annual application to remain on IRB. They " did n't process this application '' and " I 'm not sure why not '' so my monthly payment just increased to FIVE TIMES my normal payment because my IRB term has expired. They estimate it will take 2 months to process the application they originally did n't process. Meanwhile, I can forgo my payments, which they assure me wo n't count against my loan forgiveness but to my understanding this absolutely CAN result in me losing my eligibility for loan forgiveness. In summary, Fed Loan Servicing has literally done NOTHING on my account in the last 6 months and I now will be paying them {$5000.00} more over the next 2 months and am missing 35 payments towards the 120 payments needed for loan forgiveness. They are awful. If there was ANY OTHER WAY to do this ( another company ), I 'd switch! But I 'm tied because of the Public Service Loan forgiveness program.
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 the XXXX, Transunion, and XXXX to investigate this account below : XXXX XXXX XXXX XXXX Auto # XXXX I don't have the full account number because this is all the credit bureaus are showing. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Credit reporting, credit repair services, or other personal consumer reports

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card.

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction in my dispute letter.

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).
Product: Debt collection

Tried to contact credit bureaus to resolve and dispute item that was not mine, but I have had no luck. I also tried to get the addresses removed that do not belong to me and they have refused to remove them.
Product: Credit reporting

I never lived at XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX.I also never at XXXX XXXX XXXX XXXX , XXXX. I went through bankruptcy because my neighbor XXXX XXXX stole XXXX of my credit cards wend I was in the hospital. he lived at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. He threaten me and forced me to file for bankruptcy. He filed for the bankruptcy and pay for it. Now its destroying my credit. Before that I had unbelievable fantastic credit.XXXX XXXX