23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

First, this is the third company to hold my mortgage in less than 6 months. There should be a limit to how many times your mortgage can be sold in a set period of time. Consumers should not have to worry about this issue every 2 months. 

Regarding the current company and complaint, the escrow information must have transferred incorrectly because I received an email from my insurance broker stating that my homeowners insurance was about to be cancelled because the mortgage company had not paid the premium. I called Mr. Cooper ( the new mortgage company ) on XX/XX/20, just minutes after receiving the email from XXXX XXXX and let them know that the information they have in their app about the premium and the due date were incorrect. I had to speak to three people, but they finally got them to express pay the homeowners insurance premium which would post XX/XX/20 ( this was the due date, if I didn't pay by this time a late fee would be applied and my homeowners insurance would be canceled on XX/XX/20 ). I was told that the late fee would be my responsibility, which is just outrageous. As of today XX/XX/20, XXXX XXXX XXXX  has still not received their payment and I am still currently in jeopardy of losing my homeowners insurance. Please note that I have paid all of my mortgage payments on time and have even paid additional money to reduce the principal balance on my account. 

To add insult to injury, I received my tax bill a few days later which is also to be paid by escrow. The Mr. Cooper app has my tax info as being due XX/XX/20, when in actuality the payment is due XX/XX/20. I called them again on XX/XX/20 and spoke to two people who assured me they would work with the XXXX XXXX County Property Tax department to get this sorted out and paid on time. It's been over a week now and nothing has changed on my account. I have sent another email and will continue to hound them until the situation is resolved, but why is this my responsibility? Are mortgage companies not required to pay your escrow disbursements on time and correctly when they buy your loan? Why should the consumer have to be on top of them every time? This is especially frustrating when your loan gets sold every 2 months. 

I could lose my house if I don't pay my mortgage on time, but it appears there is no recourse if they don't pay my insurance and taxes on time ... at least not for them. For me, my credit and reputation takes a hit, but nothing happens to the mortgage company? This just doesn't seem right, which is why I'm asking you for help and filing this complaint.
Product: Credit reporting

This account was disputed and the company mailed me a letter stating they were going to delete the account. This account from XXXX has to be deleted immediately. See attached documents.
Product: Credit card or prepaid card

XXXX XXXX signed up for automatic payments on XXXX XXXX, XXXX, to have the minimum amount due paid by the monthly billing statement due date to be taken from his checking accounts. Boa dishonors this promise. XXXX sought compel boa to honor this automatic deduction or forfeit fee.
Product: Debt collection

When my debt was transferred to Nelson & Kennard, I believe I paid XXXX payments during the transfer period. I requested in writing and verbally ( to my point of contact 's administrative assistant ) to be issued a statement. I did not know how much I owed and which payments had been accounted for. After five months of payments, still no communications of any kind ( letters, phone calls or e-mail ). A bit odd, I thought. I sent a letter and stated that I would no longer pay this debt if I did not see some sort of recognition of my payments. Nothing. I made payments ( {$700.00} / month ) for an additional year. Still nothing. After numerous calls and letters I could not reach any one that would speak to me, left lots of messages, but no responses. So, after eighteen months I did stop paying. 

Fifteen months later, still no communication of any sort EXCEPT a summons to court ( received three days ago ). In the summons they state that they repeatedly tried to contact me by phone and mail. This is a lie. No statements, no communications of any sort. 
What do I wish to do? I am happy to resume paying this debt but I want the communications to be monitored in some way so that Nelson & Kennard will have to give the statements due me under the law. Indeed, after eighteen months of payments without any communications, something was indeed broken.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only Monday to Friday XXXX to XXXX XXXX XXXX XXXX Dont try no live calls or voicemails and dont be sendin no mail XXXX XXXX  none of that its just a hassle Appreciate you understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting paying off debt to buy a house and Im going thru a mortgage company and they pulled a credit check back in XXXX of XXXX no student loan came up. Months went by started paying stuff off by the beginning of XXXX credit karma showed there was a student loan of XXXX that I believed was taken out in XXXX? Not a 100 % sure. I havent been in school since XXXX Ive worked my whole life and still currently working have no interest of going to school. Whoever the person was that applied for a loan knew my social and old address that i havent lived In for XXXX yrs. Called the us department of education there was nothing they could do except give phone numbers that didnt work called XXXX they would go thru the steps to dispute and this was back in XXXX when I found the loan. XXXX came and gone havent heard anything. Called today XX/XX/XXXX to XXXX and they said they went thru the steps but us department of education told them that the loan was me and that was it. Filed again for a dispute with XXXX which will take another 30 days.. please I need help to get rid of this. Ps.. they couldnt tell us what school the loan was for
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I applied for a XXXX XXXX Rewards card while at the airport after I saw the advertisement. I did not see an email acknowledgement so I continued on with my travel and assumed the application did not go through. On XX/XX/XXXX I tried to apply again for the same XXXX XXXX and this time I received an email stating they would get back to me on my application. I called when I did not receive a reply to my application after a few days. My Credit Report is clean and I subscribe to XXXX for their services. It shows that XXXX did check my credit on one occasion. I have a credit score over 800 with no credit issues. When I called I was told that my application was declined due to too many requests for credit or opened accounts with XXXX. I tried to escalate my requests with XXXX and at the same time explaining what had happened. I was transferred many times with everyone basically saying they were sorry and they couldn't help. All my calls were to off shore call taking agencies that at times were difficult to understand and they had issues understanding me. XXXX relied on a report from Equifax who I called and they said it was up to XXXX and I should try and explain what happened. Again another off shore call taking company. No one attempted to resolve the issue or bring it to a conclusion. I wrote a letter to XXXX about the credit card service I received. I am concerned that XXXX will leave this on my record with them which I know to be wrong.
Product: Credit reporting or other personal consumer reports

Account XXXX has been charged off as of XX/XX/2020 and a balance of {$3200.00} remains showing on my credit reports with all 3 bureaus specifically XXXX, XXXX and Experian. It is my understanding when a creditor writes off a debt that no further payments are due. The balance should be set to XXXX on credit reference agency reports.
Product: Vehicle loan or lease

On the day of XXXX XXXX I signed a contract with BMW to purchase a XXXX XXXX XXXX. At the price of XXXX with a balloon payment. I was not provided with the type of notice of my rights to rescission under the Truth in Lending Act ( TILA ), 15 U.S.C 1601et Seq this is required by federal. Upon reviewing my contract, oblations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 12 CFR 1026.3 named Truth in Lending. Per the Congressional finding of TILA as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able during the consummation of the contract BMW did not disclose my right to rescind. Thus being the case, pursuant 15 USC 1635 I have the rights to rescind my initial consent to pursue the pervious terms. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to you. 15 U.S code 1635 ( b ) ( F ) I ask that you return my Down payment of XXXX within 20 days of this notice by law. 

While making payments of XXXX  with a very high interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to manage the freeze or unfreeze my credit report with www.equifax.com. They provide a service called myEquifax.com. I have been unable to log into this service for several months. The myEquifax.com service does not allow me to log in, or allow me to reset my password. I also can not setup a new account. When I attempt to get help with the myEquifax.com service using the automated phone line, it disconnects me before I can get any help. The automated phone line asks me questions about my credit report and I answer these questions correctly, but it indicates that I did not and then hangs up. Note I had the same problem with XXXX, in order to unfreeze my credit required that I purchase an account with monthly payments in order to unfreeze my credit report. I believe the same thing is happening with Equifax. So these credit companies are not upholding their promise that consumers can manage their credit report freeze without paying them a monthly fee by " obstructing '' any path for consumers to use their free services. This seems to be a pattern of abuse for multiple credit bureaus to force me to purchase a credit monitoring service in order to view my credit report or managed a freeze on my account.
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX XXXX XXXX XXXXXXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Debt collection

I received a letter from DYNAMIC RECOVERY SOLUTIONS XXXX XXXX XXXX. XXXX, SC XXXX a collector 's company claiming that I owned over {$600000.00} dollars and this is from a credit card from XXXX. I remember over 15 years ago my credit card was stolen or the number and there was a large amount but I not so sure. I think this was in XXXX XXXX since I was traveling to XXXX. I don't see anything on my credit report from XXXX I just received this to my mail address. I don't have any bills pending, if this is the case why is not on my credit report. 

Thank you so much and please advice what to do next. 

Warm regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest is reporting negatively to the credit bureaus on my credit report after the it was charged off & i never received a 1099c.
Product: Debt collection

Good evening, I hope you can help me. I am respectfully requesting your assistance to help me resolve this collection matter with XXXX XXXX. I attempted to resolve my billing issue with XXXX by making a payment over {$1000.00} yet they still turned me over to a collection agency. I received a collection notice from XXXX XXXX XXXX on XX/XX/2018, showing a balance owed of {$3000.00}. I made payment arrangements to try and pay this balance off. In XX/XX/2018, I made a payment to XXXX XXXX in the amount of {$1300.00}. However, XXXX XXXX still reported my account to the three major credit bureaus, even though I had made arrangements and paid a substantial amount in good faith. They also violated the 180 day law by reporting my medical bill balance to the three credit bureaus and now it is on my credit report. This has damaged and ruin my credit when I have made every effort to get this bill paid with XXXX XXXX. I am a young college student, still living at home with a limited income and this is causing me continual distress. Because I made arrangements and have made a substantial payment towards this bill in good faith to take care of this debt, I would like them to remove this negative information from the credit bureaus immediately. In addition, they did not wait 180 days before reporting to credit bureaus. I am hoping that you can assist me with this matter as I would like to resolve this with XXXX XXXX in good faith.
Product: Checking or savings account

I received recently a bank statement from Bank of America dated XX/XX/XXXX to XXXX, 2022 showing a negative balance of {$4.00} due to a service fee. I never applied for nor opened this account. As I am aware of the banking scams of both XXXX XXXX and Bank of America and the investigation undertaken by your organization, I was immediately very concerned. As a result I sent my letter investigating this matter to Bank of America on XX/XX/2022 requesting information as to how this account was opened. ( Letter attached ) Instead of replying to this letter I received a communication from Bank of America dated XX/XX/2022 in which this bank is requesting that I fill out their guestionaire ( attached ) including asking such things as my social security number and a copy of such things as my driver 's license, etc. Given the fact that this bank would have appeared to have most of my private information in order to originally open this account, I find it inappropriate and frightening that the bank now feels that they are in a position where it is reasonable to request such information after they opened the account. If Bank of America fraudulently or negligently opened an account in my name, I would not want to provide them with additional private information to use against me.
Product: Checking or savings account

I submitted complaint XXXX and it was closed and nested under other complaints about PNC. That complaint was about a separate issue. PNC is refusing to cash out my account as is my right. Just because I won't close my account doesn't mean they can keep me from withdrawal to full amount. I still have not heard from PNC about this other than they are waiting for the local branch manager to get back to them, who has also not contact me. I still expect to take out all my money and impatiently awaiting their response. It seems PNC doesn't have the money or cash to give me ..... 

The original complaint said : I am attempting to close my account with PNC. They are refusing to close my account and refusing to allow me to take my money out to the account. Most recently they told me I had to wait a week and speak with our loss prevention team and refused to place a cash order. I requested I want to cash out my account in US dollars NOT cashiers checks. The bank is refusing and hung up on me. The branch manager is not responding and the corporate officials have been unable to respond or find a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Bank of America regarding a fraud account I saw on my credit report. They stated that there was a " balance transfer '' to an account in my credit report, therefore saying that I am responsible for it. That other account has been now removed from my credit report because that was also a fraud account opened under my name. 
I have been in contact with Bank of America for the past several months, it is not my account, I have never opened this account, I would like this fraud and innacaraute information to be removed from my report pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) Account name BANK OF AMERICA Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date openedXX/XX/XXXX Status Account charged off. {$12000.00} written off. {$12000.00} past due as ofXX/XX/XXXX. 
In dispute XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA On record untilXX/XX/XXXX Credit limit or original amount {$12000.00} High balance {$12000.00} Monthly payment {$0.00} Recent payment amount {$0.00} Date of statusXX/XX/XXXX First reportedXX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested that the following inquiries be removed from my credit report : XXXX : XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry dateMar XXXX, XXXX XXXX  XXXX  Inquiry dateXXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Experian : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness. 

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXXXXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

on XXXX XXXX, 2017, my bank charged me twice for NSF charge when clearly the first payment of {$65.00} to XXXX XXXX posted before my rent check. They also gave no notice that there was a pending NSF charge at all on the day of the transactions which would have allowed me to make a cash deposit and avoid both charges.
Product: Debt collection

Received a voice mail message threatening me ( using incorrect first name ). I was told all communication was documented and legal action would be taken unless I called today. The caller identified herself as XXXX but never identified the company she was associated with. 
I check my credit score monthly and my bank/credit acccounts several times a week - I have NO delinquent credit accounts. 
I have the voice mail message if needed. The phone number left was XXXX, ext XXXX
Product: Debt collection

COLLECTOR FAILED TO CEASE AND DESIST DEALING WITH THIS FRAUDULENT ACCOUNT WITH XXXX DIRECTLY. REMOVE ALL INVALID CREDIT REPORTING FOR ALL XXXX ACCOUNTS. ON XXXX/XXXX/2016 COMPLIANT XXXX WHERE I ASK FOR VALIDATION AND CEASE AND DESIST, BECAUSE I AM DEALING WITH THE CREDITOR DIRECTLY. THE CREDITOR NEVER SENT FRAUD COMPLIANT FORMS AS REQUESTED 3 TIMES IN VIOALTION OF FTC.
Product: Credit reporting or other personal consumer reports

I did not contract with this company at all. I do not have any debt obligation with this company. They are illegally reporting a debt on my credit profile which is fraud.
Product: Credit reporting or other personal consumer reports

there are two accounts on my TransUnion and XXXX. They are as follows 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are not my accounts and ar e in my way to secure mortgage and must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, and XXXX XXXX have violated my rights. 

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 an account without my written instructions.