23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

CMG is the worst mortgage servicing company I've dealt with. Their customer service representatives are unable to properly deal with customer issues and are almost exclusively reading from a script without any break from the company line unless you attempt to escalate through many agents and/or departments. 

My latest issue is trying to remove PMI from my mortgage. This department has no human presence, no phone number, no department to speak with via transfer, no named email address. The only way to receive information regarding PMI is to email their address at XXXX which is presumably an outside service provider. 

My first email to this address was on XX/XX/22 with regards to receiving an updated property appraisal to review and modify my XXXXXXXX XXXX XXXX XXXX. I received an email response 22 days later that I was ineligible to remove PMI. 

I immediately responded, same day, to their email for clarification on eligibility on XX/XX/22, I received my response 18 days later that I needed to resolve my COVID XXXX forbearance before receiving additional information on removing PMI. 

It took 41 days for this company to answer a very basic question to their customer regarding the removal of PMI. 

On XX/XX/22 I had my XXXX mortgage payment cleared and I email the department again about the removal of PMI. As of this time, I still did not know what the process was to request an appraisal to re-evaluate my XXXX on my mortgage. 

They responded 23 days later with the details needed to move PMI from my mortgage. This being a full 97 days from my initial inquiry. 

I sent a check as requested to process an appraisal in XXXX, I received an email from the PMI department on XX/XX/XXXX that I was ineligible for the appraisal. 

I had, for the first time delinquent, submitted a mortgage payment for XX/XX/XXXX payment on XX/XX/XXXX. I then followed up that payment with a second to satisfy my XXXX mortgage payment. However, that made my mortgage payment history with a single 30 day late payment. 

This resulted in me being ineligible to request an appraisal to modify my mortgage XXXX for the chance to remove PMI for at least another 12 months. 

I'm of the opinion this is setup by design to make the appraisal and modification of PMI as difficult for the consumer as possible and to the benefit of the mortgage/PMI servicer. 

I'm set by a specific standard by my mortgage company and I don't believe they are set to the same standard. I should be able to speak with this department directly as a consumer and get answers to my questions as needed, not wait a consistent average of 21 days before receiving replies to basic email inquiries.
Product: Credit reporting or other personal consumer reports

On approximately XXXX XXXX while reviewing my credit union credit report I found that there was a collection debt payment had been put on my credit report, in the amount of XXXX  XXXX 'm a victim of identity theft and have been working with the three major credit reporting companies to rectify and to restore my credit which to my surprise I've had some success but with this collection agency after writing a few letters the inaccurate information remains even after in my letters I gave them my correct address. But as of today, I have not received any response. I SAY ONCE AGAIN I'M A VICTIM OF IDENITITY THEFT AND THIS IS NOT MY DEBT!!!!
Product: Credit reporting or other personal consumer reports

To : XXXX, Trans Union and XXXX From : XXXX XXXX Re : all my XXXX disputed accounts with XXXX XXXX ( XXXX ) to reflect my {$0.00} balance without any negative permissible data due to my prevailing party status in litigation forever extinguishing all XXXX  disputed balances XX/XX/XXXX I write to dispute every XXXX of my XXXX credit accounts with XXXX  as XXXX  continues to report inaccurate balances and derogatory late, past due and other negative inaccurate data. My credit reports must report a {$0.00} balance without any derogatory data of any kind. I therefore dispute the balances on my credit reports which must be {$0.00}. 

Starting in XX/XX/XXXX, I filed XXXX arbitration cases with the XXXX XXXX XXXX as lawsuits were not permissible under the arbitration clauses. Subsequently, I filed XXXX more arbitration cases in XXXX with each of the XXXX cases describing statutory and punitive damages exceeding {>= $1,000,000} for FCRA, FDCPA and other statute violations. XXXX filed counterclaims against me for the amounts of its disputed balances in each of the cases. However, XXXX Voluntarily dismissed the counterclaims and filed multiple lawsuits against me in state courts on XX/XX/XXXX and XX/XX/XXXX for identical claims contained in the counterclaims. On XX/XX/XXXX and XX/XX/XXXX, XXXX voluntarily dismissed the lawsuits as evidenced from the attachments which can be authenticated in the online court public record. Under the two-dismissal rule of 15 U.S.C. 41 ( a ) ( 1 ) ( B ) if the plaintiff previously dismissed any federal- or state-court action based on or including the same claim, a notice of dismissal operates as an adjudication on the merits. Rule 41 ( a ) ( 1 ) is the shortest and surest route to abort a complaint when it is applicable. But this quick and ready tool may be used once, and only once, if clear consequences are to be avoided. A second notice of dismissal not only closes the file, it also closes the case with prejudice to the bringing of another. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. United States Court of Appeals XXXX XXXX. XX/XX/XXXX. 

Therefore, the second voluntary dismissals of actions closed the disputes forever with {$0.00} balances as XXXX can never bring another lawsuit nor report to credit reporting agencies balances exceeding {$0.00} or derogatory data of any kind. 

Accordingly, all my XXXX balances must be reported as {$0.00} without any derogatory data of any kind. 

Kindly process this dispute to correct the inaccurate balances as balances of {$0.00} are required due to outcomes of litigation.
Product: Student loan

Constantly being sent correspondence through mail non of which makes any sense. Amounts Due is inconsistent fees are astronomical and when responding through email to service rep for forebearance or assistance no response is received. My loan is delinquent and the balance is too high to ever pay off.
Product: Debt collection

I have filed a previous complaint about this same XXXX bill and it was closed with the previous agency due to the complaint. It was not supposed to be sold to another agency. It has since been sold and is now negatively impacting my credit score. This needs to be deleted immediately.
Product: Debt collection

On XX/XX/XXXX I received my paycheck with {$200.00} taken out. Went to payroll and they gave me some kind of statement that I owe money from XX/XX/XXXX. Amount due of debt is over {$13000.00}. I have no clue who this is. Now {$200.00} is being taken out for what debt collection I have no clue. I live paycheck to paycheck and now I'm behind my bills because of this. That's {$400.00} a month.
Product: Mortgage

I applied for a Home Equity Line of Credit through Bank of Texas. I was offered a 3.75 % XXXX Home Equity Line of Credit. After the underwriting department reviewed the loan, the offer changed to 4.25 % for XXXX. The processor and manager stated it was due to my Debt to Income Ratio. I requested to be informed on the calculation which greatly adjusted the terms of the financing and was told it was a proprietary calculation method and could not be disclosed. I have spent one and a half months of my time working with this company to obtain this financing which is greatly delaying the my project. I pulled information from XXXX website on how to calculate income and DTI ratios and have reperformed the calculations to find that my DTI ratio is half what the Bank is stating. Neither the manager or the processor was willing to work with me to correct the situation. They continued to give me reasoning on why it could not be changed. Below is a copy of the email I sent expaining the variances between their calcuation and mine. They refuse to provide me an explanation of the variance. 
My DTI without the Line of Credit I am applying for is 14.58 %. Well under the 40 % requirement for the offer product. 
The product originally offered has been altered due to a miscalculation on my DTI ratio. Attached I have provided an Excel worksheet on my income ( Salary, Bonus, Rental ) and DTI calculations with supporting documentation. I am concerned with XXXX things : Underwriting utilized XXXX. Utilizing XXXX different income calculation methods for my Nationstar Income I show this to be approximately {$1300.00} shortMy base pay is XXXX ( ( XXXX XXXX XXXX ) / XXXX ) = XXXX MoI received an Annual Bonus of XXXX ( XXXX ) = XXXXXXXXTotal Nationstar Monthly Income XXXX = XXXX + XXXX = XXXX XXXX + XXXX + XXXX / XXXX = XXXXXXXXUnderwriting is counting the Bank of Texas mortgage in my DTI although net rental income is being utilized which already accounts for this {$1200.00} paymentAttached is XXXX Form XXXX which describes how to calculate rental income and how to adjust DTI based on the resulting calculationUnder " Step XXXX. Determine the qualifying impact using the result of Step XXXX or Step XXXX. '' you will find the statements below which indicate this payment should not be considered or the result should be considered in DTI calculations : If the combined result of Step XXXX or XXXX is positive, add the positive amount to the borrower 's monthly qualifying income. Because the PITIA expense was included in the calculations above, do not add it to the debt-to-income ( DTI ) ratio. 
If the combined result of Step XXXX or XXXX is negative, include the amount of the loss in the borrower 's monthly expenses when calculating the DTI ratio. 
Using Method A since I have not provided lease agreements I calculated a ( {$14.00} ) Loss. This is the amount that should be substituted for the {$1200.00} payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off, I would like to say I do n't every recalling Equifax ( or the other two credit report businesses ) my permission to obtain, retain, and use my information for profit. Secondly, Equifax was negligent is protecting my personal information from people wishing to steal my personal information for their own personal gain and to my detriment.
Equifax ' data breach has forever affected my life - has added unwanted daily worry and concern that the credit rating I have earned by being an outstanding borrower can be tarnished in mere moments anytime someone wants to use my personal information.
I did not ask for this. I did not sign up for this. Equifax allowed this to happen to me, as well as over 100+ million other individuals. They have made no offer to fix this and instead want you to sign up for some credit watching service - free for only 1 year!!!! The rest of my life is affected, and they offer 1 year only. This is shameful and insulting.
Product: Bank account or service

every time I make a payment to my credit card there is a several day lag before this debit shows up in my usbank account. the money has been sent to my credit card and is posted- usbank does not even show this as a pending charge for days! it is an obvious ploy to get people to overdraft.
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES WERE DELETED ON CONSUMER 'S CREDIT REPORT BUT HAS NOT YET REFLECTED NOR REMOVED FROM CONSUMER 'S CREDIT REPORT. ALL UNKNOWN HARD INQUIRIES SHALL BE DELETED AND REMOVED IMMEDIATELY ASAP.
Product: Credit reporting or other personal consumer reports

ADVANCED COLLECTION BUREAU never gave me any type of notification to opt out per 15 usc 6802 and 16 CFR 313. In which I'm supposed to be notified every 30 days. Lastly, 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. I am opting out of ADVANCED COLLECTION BUREAU from reporting to XXXX
Product: Debt collection

Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response We have reviewed this complaint and our records. Our records reflect the account has been closed as 'Disputed ' in our office. We sent a request to the credit reporting agencies to have this account removed from the consumer 's credit report. We do not show a negative entry being reported, however, it may take the credit bureaus up to 45 days to reflect on the consumer 's credit report. As a 90-year old company, Caine & Weiner wants to help consumers in any way possible. We encourage the consumer to call our office at XXXX and ask for a manager for further assistance. We may also be contacted at www.connectcw.com It has almost been 60 days now, and Caine & Weiner Company has not removed the information they provided to the consumer report XXXX. " As a 90-year old company, '' how about keeping your word?
Product: Mortgage

Ocwen lost an {$1800.00} payment that was sent in XXXX then charged late fees and returned the check once they found it 3 months later. They continue to deny that they lost it stating they received the funds in XXXX when we clearly sent it in XXXX. They refuse to look at the envelope with the post mark date. This is not the first time a payment has been lost by Ocwen. Last XXXX they lost a {$700.00} check for 2 months. I have now sent a certified payment of over {$3000.00} overnight with signature confirmation and it still has not been applied to the loan. It was received by Ocwen on XXXX/XXXX/15 at XXXX. It is now XXXX/XXXX/15. This is extremely poor business practice and I want them reported for losing my payments multiple times. Someone has to be governing their accounting department and I want them notified. The late fees are illegitimate and I also want those removed. If nothing comes from this complaint, I will contact the attorney general.
Product: Payday loan, title loan, personal loan, or advance loan

Had XXXX title loans with this company ( XXXX ) The first XXXX had no problems paying them back, But the second I think they used a strategy to try to get more money out of me, they might be doing it to more people and they got to be stop. This second loan was at first for {$2600.00} was making my payments with no problem, but later I received a called from one of their operators to offer me an extra {$500.00} making a total of {$3100.00}. I was never explained from them that taking it was going to be under a different terms. I started struggling making my payments, because they increased the monthly payments. Until after making a good amount of payments I called to find out my balance.Spoked to an operator and, Find out that the balance was increasing instead of reducing. From a monthly payment of {$240.00} only {$16.00} where going to the debt. I requested a payment history, which they mailed it to me. I had made XXXX payments of {$240.00} and find out that I had paid the {$3100.00} and a good amount of interest. I tried many time to tell them to rewiew the terms in front of a judge, which they always evaded, I guess because they know is not fair. Find out later that from the {$3100.00} they wanted to get out of me around {$12000.00} in interest. They were harassing me over the phone also stalking me to tried to tow the car. When I find out I called to try to get an address to take them the car and prevent any extra charges, but couldn't get nothing. There were several arguments with their operators about the permission of monitoring the calls I started dinieng the permission to them after they wouldn't let me monitor the call. They would just hang up on me. It has passed many years about this situation and on collections they reported the account closed, I know this through an app that I use to monitor my credit score. But I don't understand why they have been increasing the debt. Up to this date is around {$16000.00}. I have paid more of what they loaned me. Their terms are not fair, they evaded me in many attempts to get in front of a judge to settle it. After many years they have reported the account closed. But they're still increasing the amount. I think just to hurt my credit score
Product: Credit card or prepaid card

This is the second time Chase ( Sapphire Preferred ) is refusing to look into a charge dispute. They claim they sent me a letter asking for more details but they never did. The person that is handling " my inquiry '' as they call it, is never available as I have called at least 5 times and gotten a voicemail. I called the general disputes line and talked to an extremely rude person that only asked if I entered the movie theatre. When I said yes, but the reserved seat I paid for was double booked and I didn't have a seat, she said there was nothing she could do to help. I asked to be escalated and someone pretending to be her manager said that since I technically was allowed into the movie theatre, there was nothing they could do despite the fact that there were no seats available. I offered to provide pictures of the trash in all of the available seats in the front that was provided to me as a " back-up '' option, but they refused. I was not able to watch the movie for which I paid a premier price.

I paid for premier reserved seating and did not get that from the merchant and explained all of the details over and over, but they kept saying that because I entered the theatre, that I received my services.

This is a pattern with Chase as the only other dispute I filed with them last year was not addressed whatsoever. 
The date of the service I paid for was XX/XX/2018 for {$44.00} for 2 premier movie seats. I finally made contact with a Chase call center ( not my dispute representative ) today, XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE UPDATE CREDIT REPORT WITH ACCURATE INFORMATION
Product: Debt collection

I have repeatedly contacted both the original creditor and the XXXX XXXX XXXX XXXX XXXX XXXX, informing them that this account does not belong to me and is the result of identity theft. 

Several representatives were very rude and hung up on me after I refused to provide my Social Security Number in exchange for information about the account, which has been on my credit report since XX/XX/XXXX. This account is not mine. 

After several attempts, I finally spoke with a representative who provided the account number and some details, confirming that it was indeed a case of fraud/identity theft. In XXXX XXXX, I requested a fraud packet, which should have been sent within 30 days, but I never received it. 

I have disputed this account multiple times through the credit reporting agencies ( CRAs ) and directly with the XXXX XXXX XXXX XXXX XXXX XXXX. I provided FTC report numbers, my contact information, and documents verifying my identity. However, this resulted in my personal information being fraudulently updated as part of the account, causing the credit reporting agencies to acknowledge it as belonging to me. 

XXXX XXXX XXXX intentionally refuses to acknowledge the very obvious differences in the information of the original account holder and myself instead, they have attempted fraudulently inject my own personal information into the credit file in place of the actual account owners in an attempt to collect a debt. 

These actions are abusive, blatantly negligent, have been extremely damaging to my personal life and are a direct violation of my rights as outlined by the Fair Credit reporting act. 


Letter to XXXX XXXX XXXX : ***Subject : Immediate Action Required : Fraud Packet Received with Personal Information of Another Individual** To whom it may concern, This matter demands your immediate attention. On XX/XX/XXXX, I received a fraud packet from your Firm, XXXX XXXX XXXX XXXX, containing highly sensitive personal information belonging to another individual with a similar name. This packet includes leasing information, account numbers, SSNs, contact information, IP addresses, signatures, payment details, and images of personal identification, none of which belong to me. 

It is evident that this account # XXXX has been fraudulently linked to my identity and credit. Despite my multiple attempts to inform the original creditor, The XXXX XXXX Apartments, in XX/XX/XXXX, and your firm in XXXX and XX/XX/XXXX, you have wrongfully and in direct violation of the FCRA updated this account multiple times with my own personal information in an erroneous attempt to collect a debt, rather than removing it. This negligence has forced me to file an FTC identity theft report, a police report, and complaint with the CFPB. 

I demand immediate confirmation that my personal information has been entirely removed from your records and that it has not been further compromised. Failure to address this issue promptly and adequately will leave me no choice but to pursue further legal action. 

Your prompt attention and action on this matter are not just expected but required.
Product: Credit reporting or other personal consumer reports

After receiving letters from XXXX XXXX XXXX, Transunion, XXXX, XXXX, XXXX and XXXX about my information being hacked or leaked, I reached out to both bureaus that contained misinformation. It appears an individual attempted to open several accounts using my information. I completed a FTC report and reported this information via phone call to the local PD. I submitted this I information to Transunion and XXXX, and after waiting minimally an hour was able to speak to a representative. These representatives were unhelpful and combative, but I believed a solution would be established. Upon a more recent check, I realized nothing was done and the inaccurate information remains on my reports. I believe the bureaus job is to make sure all information is accurate, and if not, do the research to ensure it will be. I immediately need a resolution, to remove at minimum 3 Transunion inquiries from XX/XX/year>, that I 100 % was not apart of. Also there is a single inaccuracy on the XXXX report, claiming and inquiry from XXXX XXXX XXXX. I did not request this. Please advise, thank you.
Product: Mortgage

I received my monthly mortgage statement for the month of XXXX in XXXX of this year and noticed that my monthly payment was increasing by approximately {$400.00}. Upon further investigation and speaking with a Carrington Mortgage representative, I discovered that the company failed to pay my homeowners insurance policy with my escrow causing the policy to lapse. When speaking to the first representative they stated they sent XXXX letters informing me that I no longer had homeowners insurance and they were placing insurance on my account. Another representative representative stated they sent XXXX letters. I however, did not receive a single letter. When asked if they were sent by certified mail they stated they were not and they're are not required to call nor email. I was also informed that if I procured new insurance and provided documentation before XXXX XX/XX/year> my policy would be changed to reflect. I provided my documentation and my policy has not reflected. I paid the additional amount for XXXX and I am being charged the additional amount again for XXXX. I would like my monthly premium to be adjusted to reflect the correct amount and to be refunded for the company 's forced Insurance that was placed without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran my report 3 times in short period without my knowledge or permission. I never signed any agreement ( written or verbal ). I think this is fraud. I will not except no on this. I will message as many times needed until it's removed. I own my house deed and all. I can prove this. There is no need for me to apply for a home loan when I own one out  right