23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter from M & T Bank stating that I am required to have H06 insurance coverage. I have had this mortgage loan since 2009 and have NEVER been required to have this coverage. There is not anything in the original mortgage documents that I signed in 2009, that states I am required to have this coverage. M & T bank states that " Section 5 of my closing documents states this information ''. They were also unable to clarify what page of the closing documents this is on nor were they able to provide me with a date of when I signed acknowledging and agreeing to having this insurance coverage. They did tell me if I do not get this coverage, they will obtain it for me and charge me three times the amount and apply it to my escrow. 

This conversation happened today. The phone number I called was XXXX. I spoke to XXXX XXXX ( who proceeded to call me a XXXX to her co-worker ) so I requested to speak to a supervisor. I was transferred to XXXX XXXX who is a team lead. He stated that I could reference this agreement I made in my original closing documents. My understanding is that when M & T Bank purchased the loan from the previous lender ( XXXX XXXXXXXX XXXX ) NOTHING changes from the original loan and should anything change, I am required to acknowledge those changes. This was not done nor have I signed anything acknowledging this. This appears to be a fraudulent scam that M & T Bank is using to charge more money to mortgagees escrows in an effort to make more money on existing mortgages.
Product: Mortgage

Re : Loan Number : XXXX Please correct your records regarding my now closed mortgage account. You are incorrectly listing a Federal Court Bankruptcy as discharged when its actual status is dismissed. Please see the attached XXXX credit report that correctly lists the Bankruptcy as dismissed. 

In addition, we attempted to contact your company to extend our forbearance into XXXX on XX/XX/year> @ XXXX. The call lasted 4 minutes and was to XXXX in the loss mitigation department @ XXXX. 

We demand that you correct your records to indicate the continuance of the forbearance that was in place XX/XX/year> - XX/XX/year> and add the entire month of XXXX through XX/XX/year>. Your company failed to make a good faith effort to extend the forbearance at a time when my wife was XX/XX/XXXX 

We will also update our open complaint with the Consumer Financial Protection Bureau, # XXXX, with the information in this email. 

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Product: Checking or savings account

This complaint concerns Bank Of America and it's excessively punitive and zealous application of overdraft charges to my checking account. 

Today is XX/XX/2019. 

This incident occurred just six days ago. I have an account with XXXX XXXX XXXX. On or about XX/XX/2019, XXXX deleted {$29.00} from my account to pay for a coffee shipment they were supposed to ship to me the next week. For some reason that I can't account for, the very next day they turned around and credited my account for the exact same {$29.00}. I don't know why they did this. 

Anyway, since I now had {$29.00} more in my account than I had anticipated, I wrote a check to a friend for {$10.00}. This was on Sunday, XX/XX/XXXX. The next day, Monday, was XX/XX/XXXX, which was XXXX XXXX. All the banks were closed on that day. 

On Tuesday, XX/XX/XXXX, XXXX once again deleted {$29.00} from my account, leaving me with an overdraft of {$4.00}. Bank Of America charged me an overdraft charge of {$35.00} as soon as they possibly could.Then of course, since their overdraft charge left my account with even less money than it did before (!!! ), when another small charge of {$7.00} came along a day or two later, they decided to ding me yet again with another {$35.00}!!! This was {$70.00} in all!!! 

I called them up very quickly and told them I had a product return for {$47.00} coming in to my account in the next day or so, and would they please wait a day or two until the funds showed up in my account, but they refused to budge. 

Bank Of America has some extremely predatory practices of dinging their customers with overdraft charges as frequently and quickly as they possibly can. It is my understanding that banks all over this country are making trillions of dollars for themselves on overdraft charges on millions and millions of innocent Americans. Not millions or billions. Trillions. This ruthless and predatory practice has to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my consumer rights and furnished a bankruptcy on my consumer profile. It has not been verified. Transunion said XXXX verified but XXXX does not have the record. Then they said the courts but the courts said they do not sell or distribute consumers personal information.
Product: Debt collection

My husband contacted CAINE AND WEINER XXXX he provided his name and my name advised them was calling about something on my credit report. They did not properly ID him nor did they ask any questions to confirm who he was last 4 of the ssn or dob. When he asked for a manager to speak with was refused they advised will have someone call him back. Over a week went by still no call back. My husband made a 2nd attempt to call again no proper id of him still was not asked to verify any info of myself last 4 of ssn or dob. They disclosed my information WITHOUT even confirming any information. When was finally transferred to a manager he explained the VIOLATIONS and was told they dont have to ask or verify any information to a debtors spouse. This is incorrect and against the law! He asked for a settlement with a credit deletion they refused.
Product: Bank account or service

Wells Fargo Bank has been taking out of my XXXX XXXX XXXX XXXX account {$57.00} on the XXXX ( XXXX ) Monday of each month. I do not know how long this has been going on, I discovered the deduction in XXXX of this year when my father reviewed my accounts and brought it to my attention. I DO NOT KNOW WHAT THIS DEDUCTION IS FOR OR WHO AUTHORIZED THE DEDUCTION. I have tried making contact with Wells Fargo Bank to find out about this deduction, they say they have no knowledge of the deduction, and refuse to cooperate in any way to find out what it is. I have not opened any Wells Fargo accounts or made purchases were Wells Fargo is involved to the best of my knowledge. I would like this deduction identified, if it is a legitimate deduction, XXXX that I am responsible for, I will assume it, however, will someone please tell me why Wells Fargo is taking this money out of my bank account each month and can not tell me why they are doing so. XXXX XXXX XXXX XXXX provided these numbers : ACH Item XXXX and Trace Number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2016 my mother and I, who share a mortgage loan with XXXX Mortgage, have been in constant disputes over the mishandling of our loan which, in summary, amounted to several Fraud investigations through our bank, XXXX XXXX, because of XXXX Mortgage  claiming payments nit being received yet we have record of sending through our XXXX XXXX bill pay system. We settled with XXXX Mortgage with a Modification and the case was dismissed without prejudice. XXXX Mortgage is not foung the same thing they did before and they are again claiming we are not making payments. I have proof of all payments being made and XXXX XXXX has opened another XXXX case against them. We have disputed almost every month for 6 years now, the discrepancies on our credit reports. Even XXXX Mortgages kawyer has written us saying that all late reports are to be removed. They have not been. XXXX XXXX Transunion keep investigating my dispute of late payment reports on our credit and they clise each dispute and nothing changes even though I have provided all proofs of payments since 2016, letters from XXXX Mortgages lawyer claiming it should be removed, and letters from the court showing the case dismissal. We are currently pursuing cases against XXXX Mortgage for the mishandling of our loan, which include Fraud investigations through XXXX XXXX, reports against XXXX  to this agency ( CFPB ), opening complaint with Florida XXXX  XXXX XXXX and XXXX for XXXX abuse by XXXX  Mortgage and complaints opened with the XXXX. My complaint is that XXXX and Transunion are ignoring all documents I provided showing proof of payments and the open disputes on this account. Payment proof has been provided on multiple occasions and still no change to our credit which has now cost us hundreds of thousands of dollars and leaving us stuck with this predatory lender because we are unable to refinance or sell/buy a much needed larger home. We are also both XXXX and were victims of two Federally declared Natural disasters ( Hurricanes Matthew and Irma ) as well a victims if Covid-19, which I not only almost list my life and the life of my unborn child too ( after three weeks in the hospital and subsequently the premature birth of my infant son and his two week XXXX stay XXXX XXXX and Transunion must review the evidence provided and take proper action and not just side with the BIG company taking their word for it. All proof has been provided and more can be given if needed. 
My complaint against XXXX is that my XXXX Mortgage account has been totally deleted showing no record of me paying on a mortgage at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have tried to contact Equifax to resolve those issue but no luck. I was faced financial hardship losing my job due to the pandemic layoff. The CARES Act, passed in XX/XX/2020, gave legal protection to consumers by providing loan forbearance. Under the act, consumers were given the option of not making payments on their loans without suffering any credit-related consequences, like late payments and delinquencies. Also, creditors must make accommodations for people having trouble making payments. But I was never contacted. Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of XXXX XXXX and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Product: Credit reporting or other personal consumer reports

Unfortunately, I have been a victim of identity theft, and my information was obtained fraudulently to open account accounts and open loans and credit cards, etc. I have reached out to all companies who has been a part of this unfortunate situation with me as a customer, and they all were willing to help me resolve this in which we did, but in regards to this specific company Affirm, Ive reached out to them several times and they refused as part of their investigation to freeze, block, or close the loans or accounts out as fraudulent. They also refused to provide sufficient documentation proof of what was used to approve the loans originally.
Product: Credit reporting

Experian is reporting a XXXX account that has been taken out through identity theft
Product: Student loan

My load was from XXXX XXXX to go to school at XXXX XXXX XXXX XXXX XXXX in XXXX Arizona. XXXX XXXX later switched to Navient, my school switched to XXXX or something like that after I graduated and I was not aware. Whenever I was contacted about my student loan I was advised when I could not make the payment to sign up for forbearance. I signed up or that and periodically would get emails asking me to resubmit my forbearance info which was actually just keeping me in a constant forbearance which i thought meant I was not being charged interest on. After a while I forgot all about this matter but was continuously signed up for forbearance until I found an email in XXXX stating my forbearance had ended. At the time they instructed me I would have to make payments of {$150.00} a month and I could not afford this. My XXXX XXXX was just XXXX and we had been preparing to move crossed the country. I attempted to get involved in a student debt relief payment program but was scammed and lost {$100.00}. When I XXXX how to take care of all this I see that XXXX XXXX is being sewed by the government and do not know what to do. I am attempting to get into school in Utah for XXXX XXXX but have to take care of this XXXX XXXX issue. Here is just one of the records of my 3 loans I have with them showing the forbearance. 

DU DEFAULTED, UNRESOLVED XX/XX/XXXX DF  DEFAULTED, UNRESOLVED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX IG IN GRACE PERIOD XX/XX/XXXX IA LOAN ORIGINATED XX/XX/XXXX
Product: Student loan

I have a consolidation loan in normal repayment with loan servicer Great Lakes XXXX XXXX XXXX XXXX XXXX. I 've paid ahead on the level repayment plan, more than twice the minimum payment due each month, since loan inception. 
I have an automatic payment setup with direct draft from my checking account and this method has been in place as long this account has been in repayment. As a result I 've been entitled to an interest rate reduction of .025 % APR. 
In XX/XX/XXXX 2017 I had to change the payment date on this automatic draft and I was directed to suspend the automatic payment as the only way to achieve this outcome. I made the minimum payment due for XX/XX/XXXX and changed the withdraw date ( changed from the XX/XX/XXXX of each calendar month to the XX/XX/XXXX ) one week later than it had been, previously. 
Due to the suspension of automatic payment, which was resumed for the next month 's repayment, I lost the .025 % apr interest rate reduction. 
Automatic payments were resumed less than a week after the initial contact made to change the date of withdraw. The loan servicer has not confirmed the discounted interest rate has been reinstated after re enrolling in automatic repayments.
Product: Debt collection

On XX/XX/2024 I contacted XXXX XXXX to tell them that I can no longer use there services because I got a new job and would now be working XXXX jobs and would not have the time of energy to commit to Pilates. I had first spoken to XXXX who said she would contact XXXX to see what she could do. That same day XXXX contacted me back and told me because I was receiving classes at a discounted rate I could not cancel my membership. I then told her that if the issue is the discount, I will be the different between the discount and normal monthly rate for the months that I was using the service at the discounted rate. XXXX then said I would have to talk to XXXX about that and that she has the discretion as to letting people cancel their membership. I then spoke to XXXX about it via text and she basically said what I was already told that she would let me cancel the membership even though I was willing to pay the difference between the discounted rate and normal monthly rate. I also told her it isnt right for me to pay for service that I am not using. I think called my bank told them what was going on and had them block XXXX from taking money from my account. The next day XXXX texted me and told me she was going to send my XXXX paid payments for the months that I have not been using the XXXX services to debt collections. I then called my bank and told them that she was threatening to take the to a debt collection agency and they said they will make a note of that. On XX/XX/XXXX I started receiving calls and texts message from snap recovery trying to collect money on behalf of XXXX for service I did not use. I count calls every day up until I believe some time after XX/XX/XXXX I sent a letter requesting they stop harrasing me and the I'm disputing the allegation that I owe said money. Today. XX/XX/2024 I got an email from my bank stating that a degragatory account by snap recovery has been had to my account. I don't want this on my account. I work hard to pay my bills and build my credit score. I don't think this is fair and that I should pay for services that im not using. I don't know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are still showing that have closed. XXXX 
Why am I seeing an update in job history, I'm currently still employed there. 
I'm see many inquiries from XXXX. I only own 1 card. I see 3 to 4 inquiries. 
Account was not delinquent from Capital One in 2020 & has since been in good standing since 2020. 
XXXX still remains after 2 years of inquiry. 
XXXX XXXX XXXX XXXX XXXX was never used. 
Remove any emails. 
2 to 3 address on my account that I don't reside.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections showing on account after disput and proof provided that accounts were ex spouses and not mine. 
Collections showing amount owed when account is closed. 
XXXX loans showing when they have been paid and XXXX balance. 
Medical bills that were covered by insurance and provided all documentation
Product: Debt collection

There was a judgment against me in XXXX. Some time since the account was purchased by LVNV FUNDING. 
They got a judgment for garnishment in XXXX, XXXX. For XXXX. 
This garnishment judgment was filed in a county I do not reside in any longer and at an address that i haven't lived at in over 10 years. I was never notified. I can't even tell if they tried to contact me. 
my employer never gave me the paperwork until well after the window for me to dispute the case or apply for either an exemption or better terms. I do not now know what the original amount was but I am positive it was never this much. This is devastating my family. My wife is XXXX and she stays home to care for our special needs daughter. I can't believe even the court never verified that I was not served.
Product: Vehicle loan or lease

On XX/XX/2017 I applied for a used car loan with XXXX a division of Santander. The loan was approved ; however I did not agree with the terms of the new loan and asked for it to be withdrawn. Each day since I would receive a phone call from XXXX ( XXXX ) telling me I was approved ; I would express again that I was not interested in the loan and asked to have my application withdrawn. One XX/XX/2017 I received a call from XXXX XXXX, a representative of XXXX. He stated that my loan was approved and went over the terms again, I explained that I would be waiting a couple years to buy a car as I just finished a Chapter XXXX BK and wanted to get better terms and again asked to have my application withdrawn ; at this time XXXX XXXX become rude and aggressive. I also asked if it were possible to have the multiple inquires from XXXX and Santander removed from my credit report to which I as met with more aggressive actions of " Maybe you do n't know how credit works but when you apply for a loan the inquiries stay on your report '' and then proceeded to hang up without properly ending the call.
Product: Student loan

I am on the XXXX plan with a {$0.00} payment ( I have been on this plan since the XXXX  % interest ended from the pandemic ), but my balance continues to grow. The interest is supposed to be subsidized by the government. As of XX/XX/XXXX my balance was XXXX ( it remained at this amount due to the XXXX  % covid interest rate ). Since the XXXX % interest rate ended, it has grown to XXXX, which it shouldn't because I'm on the XXXX plan. It should be XXXX and should remain at that amount as long as I continue to make payments and remain on the XXXX plan. I have contacted the servicer several times since XX/XX/XXXX, made complaints with XXXX, and have not received an adequate response or resolution. It is very concerning to watch my balance grow when this is the very thing the XXXX plan was created to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. 

I filed a dispute on XX/XX/XXXX with CFPB due to I mailed in a dispute on XX/XX/XXXX disputing multiple accounts and thus far one of the accounts XXXX was updated as Charged off The account info was paid in full, but still shows and was updated as Charge off status on my Credit Report. Account details below : Account Number : Ending in XXXX Original Creditor : XXXX Amount : {$140.00} Payment Date : XX/XX/XXXX XXXX  Account ID : XXXX Confirmation Number : XXXX
Product: Credit reporting

I opened an account with XXXX XXXX XXXX shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from XXXX XXXX XXXX informing me that my account was being closed due to fraud. I never committed an act of fraud. XXXX XXXX XXXX has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with XXXX XXXX XXXX for the past XXXX years unsuccessfully. I attempted to resolve the issue with XXXX and Earlywarning systems directly but they report that XXXX XXXX XXXX is standing by the fraud claim with no evidence to substantiate the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft since XXXX and I have contacted TRANSUNION several times in order to remove fraudulent inquiries I have in my credit report and they had not removed them. I have the followings inquiries in Transunion unauthorize : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX I request this inquiry to be removed immediately.