23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage Loan - Overcharge of PMI Original Complaint From XX/XX/XXXXMy original mortgage loan with Huntington was XXXX issues on XXXX XXXX property with appraised value of {$150000.00} and PMI in the amount of {$150.00} was added to this mortgage. Based on general rules of PMI it should have stopped when loan balance has reached 80 % of appraised value that was around XXXX XXXX or XXXX XXXX. However, the Huntington Bank continued to charge me PMI until I had refinanced my loan in XXXX XXXX. During the refinance process, I was made aware that I may have been over charged PMI for five and half year. My new loan ( XXXX ) was issued for loan amount of XXXX and the property appraised value was as original {$150000.00} XXXX original appraisal was used from XXXX ) and I was not charged PMI for the refinanced loan. 
I have discussed this issue several times with Huntington Bank and refuse to provide original loan documents and address this issue. I realize the loan document that are given to me at the time of loan closing are all incorrect because they were for 5 year arm product and my loan with Huntington was 30 year fixed at 6 %. Also Huntington Bank claims that PMI is charged 80 % of purchase price ( XXXX ) vs. appraised price. I think this explanation is incorrect because if true then I would be paying PMI on my refinanced loan because at the time of refinance my loan to value was XXXX = approximately 85 %. 
I notified to the Bank in XXXX XXXX and in XXXX I also sent a complaint to XXXXXXXXXXXX and then I continued with this matter after my refinance was closed in XXXX XXXX. In XXXX, I was not aware of OCC complaint form available online and XXXX Consumer Protection agency. Otherwise I would have registered my complaint earlier. I feel I have over paid approximately over {$10000.00} in PMI premium, plus interest that was charged at 6 % to my mortgage account if this amount was applied to my unpaid balance. In light of that I have never missed a payment on my either mortgage accounts or HELOC accounts and hold a good credit history. 
Please contact me at XXXX should require any additional details. 
XXXX XXXX
Product: Credit card or prepaid card

I have been calling direct express for 3 days and I. Being hung up on my info they tell about my transaction don't make sense. My atm withdraws are all odd numbers that u can't even XXXX that amount out from a atm ( XXXX ) i also ] had my stimulus takin in XXXX and the guy said I have more then one card on my account but won't help me I can't take anything out or use card every time I go to store it says invalid card use ... please help. The guy asked for my card number and said and I said no and he wouldn't help if I don't release my card number im very upset im definitely hacked. I can't access the direct express web site
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Unknown # XXXX XXXX Inquiries : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  # XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Transunion : XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Hi There, The following company Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX called 87 times to collect a collection debt from XXXX XXXX XXXX. Few times I told them that only amount I owe is about {$200.00} and not incorrect amount they are trying to collect. 
I told them to send me something in writing with all the records what falsely claiming for and stop calling. They told me they did send a letter that I never received. Before also threatened to ruin my credit and other actions. This is totally unacceptable from this collections agency. 

After that I started ignoring their calls and now they have put this disputed amount as negative collection on the credit reports. 

I would definitely take action against the bad collection practices this company has. 
We are already going through a very tough times due to Covid-19 related financial problems and these types of companies make them worse. 

Thanks SM
Product: Student loan

When I filled out the online form for seeing if I qualified for student loan forgiveness, I found out that MOHELA is claiming that I have made no qualifying payments, yet my loan is decreased by more than {$2000.00}. I make my payments early every month and more than the required amount. I even had a few payments ( like 6 ) made by an employer of more than 2 times the required amount on top of my monthly payment. I have been paying through the forbearance time period and still it says no qualifying payments. I have tried to call numerous times and no one will answer the phone. I am on forever hold and if it does get through, I get hung up on. I filled out an online help ticket and the only response I got for help was a cancellation or closing of the ticket I generated. Why are none of my payments " qualifying '' and if it is so hard to have your payments " qualify '' by their standards, then the early loan forgiveness plan for public service people is a farce. I'm a nurse, I have always worked in small, critical access hospitals. I should qualify. Honestly after the last two years, these student loans for nurses and medical professionals should be 100 % forgiven now... 

Thank you for your help. Sorry for the angry tone, this has been a frustrating endeavor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX when I lost my job I got behind on my student loan at ACS/XXXX. The loan then went into default. My loan was passed over to a collections loan company with the option that it could be repurchased by ACS when I made 9 consecutive payments. I was also told that the 120 late finding would be removed. I made the payments and then the loan went back to the regular lender. However the 120 late fee was never removed after many requests. Finally in XXXX the loan was consolidated by XXXX. However ACS still will not remove the 120 late fee. Recently, while checking my credit report I saw that ACS XXXX has reactivated the loan and is saying that I owe {$13000.00} - although XXXX has purchased my loan at its in consolidation. How can my loan be in consolidation with XXXX AND owe {$13000.00} at the same time?
Product: Debt collection

I have had an awful lot of sickness and death in my family. My husband just died of XXXX. My brother was on XXXX XXXX for 9 months. Then he died. My elderly mom in Mississippi and my stepdaughter in California are BOTH severely ill. So I am trying my BEST to recover my credit. So I make a little payment towards my credit cards. I usualy pay Synchony Home XXXX per month. But this month Synchrony XXXX instead of XXXX from my bank account WITHOUT ASKING PERMISSION. In contacted them. THEY REFUSE TO GIVE IT BACK. NOW ALL MY OTHER CREDIT CARD PAYMENTS ARE BOUNCING BECAUSE OF THIS. I AM SO UPSET I CAN '' T EAT OR SLEEP. HELP.
Product: Vehicle loan or lease

A fraudulent loan for a car was opened in my name. I have filed identity theft, police reports and done everything I was suppose to do to ensure this car loan was not taken out by me and have it removed from my credit report. I have called the company, disputed the charges and nothing has happened. The representatives were very rude. If I used a company for a car loan service it would never be this company
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

I have a mortgage loan serviced by Mr. Cooper and they have charged me XXXX in fees ( {$25.00} x 2 ) because 2 lenders had made unauthorized requests for a payoff amount on my Mortgage. I was in the initial stages of looking at refinancing options and didn't give these lenders permission to request a payoff quote. Mr Cooper not only provided them the info they charged me for each request. 

I called them and they said they would not remove the unauthorized charges. They tried justifying it by saying the requesters could have got it for free by mail but they chose to get it electronically and accepted the {$25.00} fee while totally ignoring the fact that I was repeatedly telling them that I never authorized them to request it in the first place.
Product: Checking or savings account

I received an incoming international wire on XX/XX/2022 credited my Citibank Global Executive Banking checking account. The amount credited to my account was supposed to be for {$18000.00}, however {$18000.00} was the actual amount credited. I called Citibank and asked what the {$18.00} fee was for as my account was supposed to be fee-free ( see attachment 1 ). They said it was not Citibank who levied the fee ; that it must have been deducted at the outgoing bank. I called the client who made the payment and they sent back their transmittal advice showing that the full amount of {$18000.00} was indeed debited from their account. 

Unsure of what happened, I called Citibank again on XX/XX/2022. I spoke to a woman named XXXX who informed me that this was actually an {$18.00} XXXX ( XXXX XXXX XXXX XXXX ) commission. She explained that certain banks negotiate this commission between themselves and that it is not a 'fee ' as my account is fee-free. I asked which bank benefited from/received this commission and she replied that it would have been Citibank. I stated that it then acts like and behaves like a fee. She insisted it was not a fee but rather a commission. 

I asked if I had been informed of this Bank to Bank commission and she said that I would not have been made aware of this. I asked if there was a list of XXXX commission banks and she responded that there was not. I asked how I could avoid this fee in the future and she said that there was no way of knowing. I was unhappy that while this account was ostensibly fee-free they had assessed an {$18.00} " fee '' disguised as a Bank to Bank Commission and that it could potentially occur again in the future. She said that I would not be able to make a case to have this commission refunded and confirmed that I may be subject to this type of commission in the future. 

She opened up an investigation for me, ID # XXXX the same day. I received the confirmation of the case in my securing messaging ( see attachment 2 ), but then nothing thereafter. 

This XXXX commission appears to be a way for banks to apply a fee on otherwise fee-free accounts. Worst of all, there is no way to know in advance that this fee exists or under which circumstances it will be assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a complaint about Experian reporting fraud accounts after I provided information that the accounts listed for XXXX 's account XXXX {$190.00} & XXXX XXXX account XXXX are fraud accounts that have been opened in my name. I did not open these and requesting again that these accounts be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sent a complaint through the CFPB regarding A D Astra Recovery Service. T he company stated in their response. That the first dispute that I sent out the collections accounts were removed. Upon pulling my credit report  XXXX . I found that to be incorrect. The Account is still showing on my  XXXX  report. The company has responded with false and incorrect information. The company also stated that they have a current bond in Texas. Upon looking a t the Secretary of Sate for Texas the company is NOT Bonded in Texas and can not le gally collect debt. Please remove from my credit report and confirm that debt is not owed.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I paid and settled my Bank of America credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, Bank of America continues to verify a balance is still owed. Bank of America will not fix the issue either.
Product: Credit reporting or other personal consumer reports

Dear XXXX : This is a Self-Attestation that I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
These fraudulent accounts consist of a Auto loan account opened XXXX XXXX XXXX XXXX XX/XX/XXXX, another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as well as personal loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. An personal loan opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX an personal loan with XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I cancelled cable service from XXXX XXXX due to moving to an area where the service is not available. I requested my final bill and returned their equipment. I paid my final bill and it cleared on XX/XX/XXXX. The company confirmed they received this. XXXX then billed me once more afterwards and I contacted them about this account being closed and paid. They agreed to me on the phone, but sold the erroneous bill to a collection agency. I contacted all XXXX credit bureaus and the collection agency as well as XXXX about this. The dates reported are incorrect since this was XXXX, reported as XXXX. I provided proof of payment repeatedly in disputes to the credit bureaus to only be denied updates. The collection agency told me they would investigate and give me information, they never did. XXXX told me theyd investigate and provide me with payment and billing evidence, they did not.
Product: Credit card

In XX/XX/XXXX, I cut a check in the amount of {$26000.00} to clear my outstanding balance with citicards. My intent was to make a lump sum payment in full to avoid more charges and fees. Concurrently, I called customer service about {$310.00} for additional interest charges. I explained that both XXXX XXXX and XXXX  XXXX XXXX did not add over-charges so consumers had a choice to pay up, if they so desired. If the majority credit card industry allowed their users to pay off their current bills, Citibank should do the same thing. Unfortunately, the argument went to deaf ears. 

I also reminded them that I had been a royal customer with good standing since XXXX. They refuse my plea so I just walked away from using their charge card with a bitter taste in my mouth since. 

Last month they had their debt collection partner threatened me with legal action with a court order. Reluctantly and under duress, I cut a check for {$310.00} in full payment but they refuse to go away.
Product: Checking or savings account

A fraudulent account was opened at Wells Fargo bank under my name. I received a letter on XX/XX/2022 stating : we have completed our review of your identity theft claim, and determined that you have no financial liability for the bank account number ending in XXXX. We have confirmed that you did not open or have any knowledge of the accounts with Wells Fargo. 
This letter from Wells Fargo is titled " Claims Assistance Center, online fraud claims '' I sent a certified letter to Wells Fargo on XX/XX/2022 stating that I'm a victim of identity theft and asked that Wells Fargo : -close the account immediately -take all appropriate steps to remove information about this account from my credit files -send me copies of all the documents, including but not limited to applications and other business records, relating to fraud transactions made or accounts opened using my personal information. 
I asked Wells Fargo to send me a letter explaining their findings and actions. 
I have not received a letter from Wells Fargo yet.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX I received an unsolicited CashApp card. I called CashApp customer service and through several verification steps they sent me an email stating account had been closed but wouldn't give me any more info. 

On XX/XX/XXXX I received a 1099-K for payment party network fees of {$6400.00}. I called customer service explaining the situation and requested the 1099 be pulled back or corrected due to this being a fraudulent account. The representative was unhelpful and stated he could not assist as the account was closed and told me to talk to a tax advisor which I find hard to believe as the 1099 was printed after the account was closed. 

I tried to reply to the previous email I received in XXXX regarding the account being closed, and I received a reply stating I need to reach out through their app. Seeking other avenues of reaching out to CashApp for resolution in writing, it appears the only other way of reaching them is through their application ( which I do not have and will not download since I don't have an account with them ) or via social media. It is extremely frustrating as an account was setup in my name with my SSN and I am getting almost no assistance in the matter. They do not provide any customer support via email. 

I'm extremely curious of what XXXX steps were taken in establishing the account in my name. I would like assistance in getting the 1099 corrected/ removed as not to create an IRS tax issue for me. 

CashApp should have a policy and procedure in place to do no more harm to the individuals affected when an account is fraudulent ( i.e do not issue 1099 's on closed fraud accounts ).
Product: Mortgage

My mortgage is being serviced by Shellpoint and they are responsible for paying my property taxes which was due on XX/XX/XXXX. I received a invoice for payment from my county and I reached out to Shellpoint on XX/XX/XXXX. I communicated with XXXX XXXX and she told me that the personnel handling the taxes did not pay on the due date because my town had extended the payment date to XX/XX/XXXX. After insisting the payment be made immediately she sent me a receipt that the payment was made on XXXX. I received a second note from the county that my taxes were delinquent. The letter was dated XX/XX/XXXX and when I spoke with the county they informed me that the payment was not processed because it was not correct method of payment. That payment was returned on XXXX to 3rd party, XXXX. I contacted Shellpoint and spoke with XXXX XXXX the supervisor who again assured me this will be handled with the 3rd party vendor they use to pay the taxes, XXXX. XXXX emailed me that a check was sent to the county XXXX and he would follow-up to make sure it was received. After not hearing from XXXX I followed up with the county and was told the check sent was not a certified check and was not accepted. I am still waiting to hear from Shellpoint on the status of my tax payment. This very late payment is now accruing interest. 
The point of having a mortgage holder pay taxes and insurance is to ensure bills are paid in full and on time. The money was in my escrow and I don't understand why Shellpoint waited to pay my taxes. Is this a scenario where they were trying to use the extended payment period offered by the county because they are illegally moving money from one persons escrow to pay off other peoples debt? I do not trust this company to continue to service my loan and I would like to see an investigation into their business practices.