23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I took out a loan for my home on XXXX XXXX XXXX. The purchase price was {$620000.00} and my loan amount was {$510000.00} so a 82.6 % LTV. I was told at the time that as soon as I hit an 80 % LTV, they would drop my mortgage insurance. Knowing this. I paid a little extra on my loan and about 4 months ago, called and asked to put in this request. I had a few conversations about this and after all was said and done, they informed me that it is NOT an 80 % LTV on my purchase, but that I have to have this 80 % to drop my mortgage insurance on the value of the property now. ( Which is fine but not the way they explain how mortgage insurance works and were very misleading about them being able to drop the MI once at that 80 % LTV ) Anyway, they told me that I had to pay them {$500.00} to have the property appraised so that they knew that it was n't valued at less than what I paid. I live in XXXX and anyone who pays attention to any kind of housing market, which I 'd hope that they did being in the home loan industy, knows that our market has only rapidly appreicaiated in the past few years. My tax assessed value is {$63000.00} higher and if you were to look at XXXX or XXXX to get a basic estimate, they would say {$700000.00} and {$720000.00} respectively. I went ahead and mailed them a check for {$500.00} to just solve the issue and get it done as they have been wasting my time ( and money ) for the past few months. ( MI at {$300.00} and something a month for 4 months adds up! ) They repsonded, by mail, today and stated that they are not able to find an appraiser who will get them an appraisal for {$500.00} and the least expensive appraisal they can find is {$550.00} and until I mail them another check for the additional {$50.00}, my request has been put on hold. They also stated that the appraisal due date in XXXX and this quote was based on the appriasers schedule as of XXXX but received this information today, XXXX/XXXX/XXXX. So even if I did give them another {$50.00}, XXXX XXXX would come and go before this ever happens. 
My complaint is why am I paying for an appraisal anyway? I was never told that the LTV only applies if they decide my property is worth what I paid for it. What they say is that as soon as we get to the 80 % LTV, then the MI can be dropped. In the meantime, I keep getting charged for Mortgage Insurance every month on a property that I have a conservative 75 % LTV on ( more likely 72 % ) and I cant seem to get this MI removed. I paid them the requested {$500.00}, now they want {$550.00} and by the time they actually find an appraiser to handle this, will it be {$600.00} or {$700.00}? The fact of the matter is, is that I have an 80 % ( actually less ) LTV on my purchase price and I think that with a little research, they can confirm that the property has not decreased in value and that they should be able to drop the MI like I was told they would do. And they should honor thier {$500.00} appraisal request! Since I sent the check, I have made XXXX more payments with the mortgage insurance I have requested to be dropped.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} FST XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$890.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00}
Product: Debt collection

In XXXX I purchased a manufactured home. I have been making automatic payments on the XXXX of the month, every month since then. In XXXX Ditech became the loan servicer for this account and continued to collect these automatic payments. The amount due has always been in my account and deducted. I have never been late. On XX/XX/XXXX I received a billing statement from Ditech claiming that I was late on my mortgage payments and that XXXX and XXXX had not been paid. Both payments had been deducted from my account on the first of the month and are documented in my bank statements. On XX/XX/XXXX I called Ditech to correct the error. I spoke with a man named XXXX. He told me that for some reason Ditech claimed I had a {$50.00} late fee and was holding the remainder of the funds in suspension. He agreed that I had never been late and that the late fee was an error. He spoke with his manager and assured me that his department put in a request to rectify the error and bring my payments up to date ( remember Ditech has my money, they just aren't crediting it to my account ) and that everything should be fixed by Tuesday of the following week ( XX/XX/XXXX ). I asked him what he meant by request and what I should do if this 'request ' wasn't honored. He said it would be, that his department put the request in to another department that would make the changes. No guarantee, of course, but what can I do over the phone? On XX/XX/XXXX, Ditech again deducted my XXXX payment from my account. However, they also reported to the credit agencies that I was late on my payments. My credit score has dropped from XXXX to XXXX. This will cause irreparable harm to my finances and most likely result in increased APRs on my other accounts, which I can not afford and should not be experiencing, as I've worked diligently for over 30 years to pay all of my bills on time. Interestingly, when I called Ditech 's XXXX number and gave my account information, the system reports my payments as current.
Product: Credit card

There is a fraudulent account open through a company called XXXX that I have no knowledge of neither did I authorize this account to be open
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and there is inaccurate information that has been reporting. I'm a retired veteran and need assistance with housing and these inaccurate remarks is hindering me in getting the help that I need for me and XXXX that is sick and has had XXXX strokes in the past year. Could you please help and make sure these accounts are updated and all negative and collections are removed immediately thanks so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Wells Fargo numerous times and they refuse to delete the charge off from my account. They agreed to remove the charge off over the phone from my credit report. I paid this account in full and I want the charge off deleted from my credit report. I contacted them several times through email and phone. Wells Fargo refused to work with me and I sent them several good will deletion letters. I could not pay the bill, because I was in the hospital. Out of common courtesy, I paid my bill in full and they still refuse to delete the charge off. Even though, they agreed to do so over the phone. They refuse to send me a letter stating that they will delete the charge off. They are also several mistakes on my credit report such as when the account turned into a charge off, because I was making payments to them until I became sick. I loved being a Wells Fargo customer, but I will greatly appreciate it if they can remove this charge off. I paid my bill in full and I was severely sick at the time.
Product: Bank account or service

I have received XXXX emailed bills from " PayPal Credit '' 'Pay me later '. I never signed up for any account with " PayPal Credit. '' On XXXX XXXX, 2015 they emailed a bill for what may heve been a legitimate charge from my regular PayPal account, but they were unable to tell me what the charge was for or who made the charge. Today I received another bill for {$24.00} for " late charges '' on this account which was closed and paid in full on XXXX XXXX. I called them to inform them that I never applied for an account, did not want XXXX, and closed all activity on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXX Balance Owed : XXXX
Product: Credit reporting or other personal consumer reports

I look at my credit report during the last XXXX month 's straight. XX/XX/2024, XXXX, XX/XX/2024 XX/XX/2024 and now XX/XX/2024. I noticed there is a lot of inaccurate and incomplete information on my report that has keep my score low. I sent a letter to XXXX on XXXX 2024 asking them to investigate the completeness and accuracy. 

I didn't receive a response from them at all they didn't even try to fix it. They are breaking the Federal Law by not investigating the situation.

According to 15 U.S.C 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure accuracy of the information being reported concerning the individual about whom it is reporting on or relates to. 

So, I then asked XXXX for the description of the investigation according to 15 U.S.C 1681i ( 7 ) : ( 7 ) Description of the reinvestigating procedures. 
A consumer agency should provide to a consumer within the guidelines of said description and methods they have not showed.
Product: Credit card

Two months ago, illicit charges began showing up on our PNC card. I contacted PNC, told them they were NOT our charges, filled out a dispute form and then nothing. Did this 2 more times, still no action from PNC. I had placed a security hold on the card to at least stop more illicit charges, but then PNC let me know I had to pay the bill anyway. To avoid being reported for non-payment to the credit bureau, I paid the bill. But then, more bizarre, they applied my payment, but since I'd put a security hold on the card, they had not registered any of the charges, resulting in a {$140.00} credit to me. Three online chat sessions about simply sending me a check for the credit amount ended up in the chat just dropping, just like the 2 phone calls. I've never experienced ANY customer service like this before.
Product: Credit card or prepaid card

On XX/XX/2020 I disputed a credit that was supposed to be received from XXXX for a purchase I made where they failed to apply a discount to my order. I contacted their customer service at XXXX and got the approval for a refund of the amount of {$200.00} for a purchase I made on their website on XX/XX/2020 in the amount of {$2000.00}. 

Customer service at XXXX indicated they did already request from Paypal to credit this amount to me but it was not applying to my account since it is an alternative payment form. I used synchrony financing for this purchase through paypal credit and I attempted to dispute the payment and never got a reply to what happened to the request.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX has 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 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

I used XXXX to see my credit report and I noticed there 's a couple of things that are on collection that I never applied for. I believe someone else using my informationinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. These items I found on my credit report were opened without my knowledge, consent, or authority. These items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge and reporting DELETED accounts/information from other bureausXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2018 to XX/XX/2018, multiple credit report dispute letters were sent out.Contained in this dispute were requests to verify accounts on my report via copies of the original creditors ' documentation with my signature on file. These requests have been overlooked and unverified items remain on my credit file. 
Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) it is required in order to properly verify any account on my credit report, original documentation with my signature must be provided. Section 611 ( 5 ) ( A ) of the FCRA states that if TransUnion is unable to properly verify the accounts in question in 30 days, they must deleted from the credit report immediately. These companies have failed to comply with all of the above. Verification method was not provided.
Product: Credit card or prepaid card

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The BK OF AMER XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

BK OF AMER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago I disputed a fraudulent Wells Fargo Credit Card on my credit profile a long with sending in police report. XXXX claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against Well Fargo ( CFPB # XXXX ). Wells Fargo sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with XXXX. They have not deleted that account from my credit profile.
Product: Debt collection

I was called on XX/XX/year> by XXXX XXXX XXXX. They were asking me to verify information without telling me what for. They never notified me of any attempt to collect a debt and began to ask how they could help me with the alleged debt owed. During my questioning the person began to over talk me, threatened that it will affect my credit if we dont handle it. I began to tell her the account she is talking about they charged off twice and I have the proof and she hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to find out if my personal information was breached from XXXX. I Called Equifax and took all my information again and told me to sign up on TrustedID.com and told me that I have to pay them to protect my information after a year of service. 

Please help
Product: Credit card

Dear Customer Service, I formally disputed charges applied to my credit card for a recent car rental with XXXX XXXX for a reservation made on XX/XX/year> for the vehicle rented in my husbands name. 
According to my reservation confirmation, the total charges should have been as follows : * Two Weeks Vehicle Rental : {$230.00} x XXXX = {$460.00} * One Day Rental : {$39.00} * Total Pretax : {$580.00} However, the final charges do not seem to align with this amount. 
Additionally, I would like to draw your attention to the following points based on the companys website and the rental agreement : 1. Rate Guarantee : the website states that once a reservation confirmation is received, the rate is locked in and can not change unless a new reservation is made. I did not request any changes to the vehicle. 
2. No Hidden Fees : the website and contract indicate that there are no hidden fees associated with booking with a credit card, yet I noticed additional charges that were not explained at the time of rental. 
3. Insurance Requirements : It is stated on the website that third-party insurance is only necessary if a credit card is not being used. We used a covered credit card ; therefore, additional insurance should not have been required. 
4. Lack of Transparency : There is no mention in the contract or on the website about any additional fees applicable when using a credit card. 
Since we were off the airport premises and had no alternative options available, we reluctantly accepted the vehicle under these disputed terms. 
I am kindly requesting a review of my concerns and a resolution to the dispute. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

Well I fell behind on a credit card debt. They sent my account to their collection department. They only have one phone number on file. So they called my exhusbands number and gave out all my personal information to him right after they called my number. Some o e named XXXX called my exhusband and told him all about my late payments and how much I owe and they need me to call them. I just barely received a call from them which I was going to return once I got out of work, but couldnt wait at the same time they called me not five minutes later they called my exhusbands number which I never gave them. They violated my privacy consumer rights and embarrassed me.I have never felt so violated from the XXXX company they are under handed and rude. I hope you can stop their horrible practices.
Product: Credit card or prepaid card

I purchase a XXXX TV in XX/XX/2016 with chase sapphire reserve. Chase Sapphire reserve has a purchase protection plan which covers Eligible personal property that has been damaged, stolen, or involuntary and accidental parting with property within 120 days from the date of purchase. 

We found the problem with TV about XX/XX/XXXX. We chatted with XXXX and they asked us to ship the TV to their shop. For the cost and inconvenience, we decide to use purchase protection. We called chase and was referred to the one of department. The department asked us to ask a repair shop to estimate the cost of repair. I asked a shop to come by to do the investigation. After checking, they stated 'Can not find the part in XXXX ' and charged me about {$160.00} for investigation. I submitted the report to chase. They reimbursed {$160.00}. I did not get the payment so I called back and was told my case was closed. It looks like they messed up the investigation cost and repair cost but refused to admit their mistake. I chatted with some people in Chase but they still refused to reopen the case and said I should use my own warranty and it is not covered by purchase protection. 

I can not understand, if it is not covered by purchase protection, 1. Why they asked me to do estimation from repair shop 2. Why they would reimburse the investigation cost I opened a case with XXXX but no luck. I happened to know CFPB so I opened a new case and hopefully it will help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Loan # XXXX XXXX XXXX XXXX XXXX account reported as a CHARGOFF/ COLLECTION with derogatory remarks as a bad debt and balance due of XXXX 

This account is still open and in good standing with XXXX XXXX XXXX XXXX 

Title 15 U.S.C 1601 states I have a right to privacy. XXXX XXXX XXXX XXXX has violated my rights. 
Title 15 U.S.C 1608 states I have a right to fair credit reporting. 

I HAVE PREVIOUSLY contacted the buraus to investigate this inaccuracy and the request was deemed frivolous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 15 Inquiries that were not authorized by me. I have reached out several times in reference to the inquiries and it seems like I am going in circles and I would appreciate some assistance, Please! I have also added a fraud alert on all three credit bureaus for a third time. customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Mortgage

My loan was transferred to NewRez in XXXX of 2020 with a first payment due on XX/XX/2020. I began setting up my account with them immediately upon their instructions to go online and activate the account due to an incorrect last 4-digits of my SS #. Therefore, I was not able to complete the setup. Since I did not want to make my payments to an incorrect SS #, I immediately alerted New Rez. I called and the rep. told me that the reason why I was unable to get online is because the last digits is incorrect and told me what they have on file at NewRez. I told the rep that they have it incorrectly, and all of my closing documents showed my correct SS # so the error was internal at NewRez. They assured my this would be taken care of immediately. So I waited a few days and tried again. Same issue, they don't recognize my correct last 4-digis of my SS. #. I have made 6 calls to NewRez since XXXX and sent emails ( no response to email ), as of today, XX/XX/2020 when my payment is due, it is still not corrected. Needless to say, this has already been a bad experience and I have not even been with them for a full month. I am not comfortable sending a payment today with an incorrect SS #. It was suggested that I XXXX have to refinance again to correct this issue. No way I would want to do that!! I was told by the last rep on Monday that she will follow up with me to ensure that it's being done and call me ... crickets!!!. Even the company that transferred the loan to NewRez said they contacted them, that was futile, nothing changed. 

I am exhausted and want an immediate resolution to this matter. I should not have to go thru so much just to pay my mortgage on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

SO I got hit with an inquiry from SYNCB National Credit Cards/Airlines,  and just like some others, I was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX tells you to contact Synchrony ... .thus an infinite circle of contact ___ ( one business ) __________ who will then tell you to contact _____ ( form a another buisness ) _________. 


it is just so odd because they try and say its a glitch but really no one will give me. direct answer.