23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted movement mortgage and was dealing with a lIan officer by the name of XXXX XXXX. he told me once I get my credit score so at least a minimum score of XXXX I can move forward well when he pulled my credit on XX/XX/XXXX I had a credit score of XXXX being my middle score. So on this past Monday I submitted all of my documentation its far as my income and XXXX told me on Sunday to allow him until Wednesday for him to work his magic and XXXX give me my approval he told me I was looking at getting approved for XXXX so now is something totally different he has been dancing around it now he said he cant get it approved is very unprofessional very unprofessional and Im filing a formal complaint not only against movement mortgage but also against the loan officer because he fed me a bunch of lies. When I first met with him on the phone I told him I was in credit repair and I signed up back in XXXX of this year he told me if he can get a letter of explanation we can move forward now again its something different
Product: Debt collection

I have been receiving a LOT of calls from this company PORTFOLIO RECOV Its an ongoing issue with this company they call me after XXXX XXXX XXXX  XXXX ... I have listed the numbers involved XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX  XXXX XXXX XXXX called XXXX XXXX   XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXXXXXX  XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX called after XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX  XXXX called XXXX XXXXXXXX  XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX   XXXX called XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX called XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX Called after XXXXXXXX XX/XX/XXXX PORTFOLIO REVOV XXXX XXXX XXXX called after XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX # XXXX XXXX # XXXX ( XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Mortgage

This is my second complaint because the company 's response to my first complaint did not provide an adequate response. 

I am under a repayment plan at this time. As stated in the company 's prior response, I have a balloon payment due, in two months, at the conclusion of the repayment plan term, exceeding {$40000.00}. I contacted the company to start an application for a modification as I know that I will not have this large balloon payment amount. I would like to resolve the issue before the end of the repayment term to avoid payment delinquency.
Product: Credit reporting or other personal consumer reports

Yes, I'm writing so everyone can see how horrible this service that i'm getting from Bread Rewards from XXXX, I files a dispute against XXXX XXXX XXXX that was made on XX/XX/year> because they made a mistake on my burger and have given me a damaged gift card and I have tried to contact them numerous of time but nobody would seem to pick up their phone! and they never gave me my recipe! and the credit card company told me that they would handle this dispute through the message center since i'm trying to save some trees and paper! but weeks has gone by and i asked for an update and now they are telling me that I would need to re submit my claim and write them a letter and send it to this address : Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX now they want me to go out of my way and buy a stamp and use more paper?? really? and they are giving me a time frame to do this why we can't give them a time frame to get it done and help us with our time?? what service is this?
Product: Credit reporting, credit repair services, or other personal consumer reports

i have ask transunion to remove this account that is not my account they have not yet.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Formal Dispute of Unauthorized Account Account Number : XXXX Consumer Report : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information on my credit report, which I obtained from your credit bureau. Specifically, I have identified the following accounts, which I have no knowledge of and did not authorize : Account Number : XXXX, Creditor : XXXX XXXXXXXX There was a data breach where my personal information was used to open an account under my name. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), you are required to ensure that credit information is furnished and accessed only for permissible purposes. I have not authorized the above accounts and therefore request an immediate investigation into these entries. 

Pursuant to the FCRA, I request that you : Investigate the listed accounts and verify their accuracy. 
Provide me with the documentation used to verify these accounts. 
Remove or correct any inaccurate or unverified information from my credit report. 
Please consider this a formal dispute, and kindly inform me of the results of your investigation within the XXXX period as mandated by law. 

Additionally, I am attaching a copy of my drivers license and a bank statement and social security card to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the results of your investigation. 

Sincerely, XXXX XXXX
Product: Mortgage

Nationstar mortgage company purchased my mortgage from XXXX in XXXX of XXXX. Since I had a conventional loan originally, I qualified to have my PMI removed after 2 years. I submitted the PMI removal request to Nationstar officially on XXXX XXXX, XXXX. They initially tried to tell me that I could not have it removed because of a late payment on the account, which happened only at the time that Nationstar initially transferred the loan over from XXXX, which happened without my knowledge. I made the XXXX payment to XXXX, they never cashed it, and the payment was never sent to Nationstar. I had been in communication with Nationstar all along about this, and even though the " official '' payment was a few days late, they agreed to not charge any late fees because they were aware of the miscommunication between the XXXX mortgage companies and I. Regardless, I waited until the official " wait time '' of 1 year with no delayed payments to check on the status, and after I called them today, they stated that my current Loan to Value ratio is at 90 %. When I asked them how they got to this figure, no one was able to answer that question for me. One person was able to give me the initial appraised value of my home at the time of purchase in XXXX, which placed my LTV ratio at 78 %, but still, no one could answer that 90 % amount, and they stated that if I wanted to remove the PMI, then all I needed to do was pay {$60000.00} toward my loan and then it might be removed. After going through XXXX different departments, I was finally told that I now need to re-submit the PMI removal request, and that they would send me a new form ( which i still have not received ) and start the entire process all over again. At this point, it is clear that they have no intention of removing the PMI from my account.
Product: Checking or savings account

E*Trade gave someone the login information and password to my account. After changing my username and password to prevent this in the future I asked that they close my three checking accounts and open new ones for me. After calling and emailing them for two months this has yet to be completed. Also, after several requests  they have not sent me copies of my bank statements. I am told over and over again that this will be taken care of but have to contact them again and again and again. 

E*Trade should not be giving other people access to my account, but when they do the should resolve the issue without making me contact them dozens of times.
Product: Credit reporting or other personal consumer reports

XX/XX/year>2025 Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under XXXX Sec XXXX Under XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( A ) UCC XXXX Part XXXX, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was issued a Capital One Quicksilver Visa Card. On XX/XX/XXXX I Charged {$670.00} on my card. I made more than the minimum monthly payments ON TIME over the next 10 months. It was entirely paid up on XX/XX/XXXX. However the following late fees were charged to my account : XX/XX/XXXX {$25.00}. XX/XX/XXXX {$25.00}. XX/XX/XXXX {$39.00}. XX/XX/XXXX {$39.00}. I challenged Capital One Services LLC at XXXX XXXX XXXX, XXXX XXXX XXXX UT on XX/XX/XXXX. They suggested that I call XXXX. I called on XX/XX/XXXX and spoke to an individual named XXXX. I could not understand her language. I asked for her supervisor. I was then connected to XXXX whose only word I understood was " NO ''. My Capital One Case Number is XXXX. My Card Was suspended on XX/XX/XXXX. I am objecting to the {$120.00} Late Fees.
Product: Checking or savings account

My funds were stolen and distributed to people on chime by someone I know, I sent a letter with my identity theft report and Notice to Furnishersof Information. They declined twice to after I asked them to reopen the dispute and declined it again and I need my money back Im getting XXXX off really bad XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX XXXX transfered XXXX to him self XX/XX/19XXXX 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: Checking or savings account

XX/XX/year>. They closed my account with no reason why. Im a XXXX  employee who has their payroll checks deposited biweekly. My banking activity never changes and I never did anything fraudulent on my account. They never gave me a reason besides that Im a risk account but never told me why. Several of my friends this happened to today and they have business accounts. My IRS refund is being deposited into my account and now I have to possibly wait for a paper check. I was treated unfairly by Chase and their customer service team. No logical reason on why my account was closed.
Product: Debt collection

Account number XXXX Invoice number XXXX Balance due {$33.00} CPA Reference number XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX I do not have an account with XXXX XXXX XXXX XXXX . I have requested evidence of the account. I'd like to know who opened this account.
Product: Credit card or prepaid card

Discover has denied graduating me from a Discover Secured credit card to an Unsecured Discover card, after, my 6-7 month " probationary '' period. During the 6-7 months that I've had my secured credit card, I have never been late with my payments nor doI have ANY late payments on my credit report. When I called Discover to inquire about graduating from secured to unsecured credit card, they claim that XXXX XXXX XXXX reported that I have a late payment, which is UNTRUE. I personally, called XXXX and was told that they did not report ANY late payments to Discover. I then, called Discover back, to inform them about what I was told, they conveniently said that XXXX reported the late payment. I Personally called XXXX and was told that they DID NOT report ANY late payments to Discover. My conclusion, Discover has manufactured issues to renege on their promise to graduate me to a unsecured credit card, after I adhered to their requirements of ; PAYING ON TIME, NOT MISSING A PAYMENT and MAINTAIN A BALANCE. They have yet to graduate my secured credit card, even though I informed Discover that the credit bureaus, they claimed reported " late payments, '' said they DID NOT report ANY LATE PAYMENTS to Discover.
Product: Credit reporting or other personal consumer reports

XXXX has been providing, submitting, and disclosing incorrect/inaccurate info : for sometimes now from, XXXX XXXX XXXXXXXX, up until presently ( XXXX )! What's differently now is this : I had recently opened a credit card acct, with XXXX XXXX! That decision alone didn't set, so well with XXXX, and more certainly not with JPMCB-CARD SERVICES neither! So therefore they ongoing dysfunction, and simply perjury has increased big time! All this is playing out, under their third-party vendor platform XXXX XXXX XXXX XXXX XXXXXXXX XXXX tells, and authorizes XXXX XXXX to do, say, show, and displays! Then you best to believe it ; they wasted no time, doing just that without question! As a result of JPMCB, and XXXX XXXX connections/partnership in some capacity! It has caused the following : I had to close my acct, with them prematurely, and voluntarily, and XXXX on the behalf of JPMCB-CARD SERVICES had conspired, to caused unnecessary discrepancies, Inaccuracies, and confusion to my credit report/score!
Product: Credit card

XX/XX/XXXX, XX/XX/XXXX Rooms to Go did not apply my monthly payment when received. As a result, a dispute was filed. The company gave a credit of {$110.00} to my account then subtracted an additional {$110.00} when they found my payment. An additional charge of {$110.00} was added to my account on XX/XX/XXXX showing as a purchase. There was not a new purchase by me. My minimum payment was raised from {$100.00} to {$130.00}. The bank stated the " new '' purchase had a minimum payment of {$30.00} and added it to my current payment of {$100.00}. I notified the bank in XXXX as to why there was a XXXX payment due for XXXX. The agent said I owed nothing and my next bill would reflect the minimum due. Instead, my minimum due was increased to {$130.00}. I could not get through to XXXX on the Chat line on XX/XX/XXXX to make him understand the problem. If you look at the account, it will show the error made. There should have never been another charge of {$110.00}. The payment I made of {$110.00} zeroed out the dispute credit that was given. That additional {$110.00} charge should have been shown as a payment, not as a new charge. My bill due in XXXX should be back to a minimum payment of {$100.00}. This bank repeated a charge that was already paid and showed it as a purchase. This matter needs correction. It amounts to fraud.
Product: Mortgage

CMG Financial did NOT pay my flood insurance last year and my policy lapsed. They did NOT notify me and forced place flood insurance at 9X the original cost of my policy. Due to policy lapse, I am no longer grandfathered into my policy and am paying exponentially more for my policy, due to Flood Policy changes through the XXXX They then stopped my PMI in XXXX of XXXX and picked it back up in XXXX. Payments continued with reimbursements taking place through XXXX of XXXX. During this time frame they charged my escrow account for 11X the monthly PMI payment in 1 large lump sum. The month this payment was made, just happen to be the month ( only month ) that I did NOT receive a monthly statement. It took over a month to even receive this statement. I even received a statement labeled for this month, which was NOT correct. 

In short, due to incompetence and questionable business practices, CMG Financial has driven my Escrow account negative thousands of dollars and increased my monthly mortgage payment to double what it was when the loan was originally processed in XXXX. Not only am I paying for their mistakes, these errors will cost me over XXXX 's of thousands of dollars just for the flood policy mishap. 

I have attempted to settle these issues with the CMG for 3 months now and every time I call, I have to speak to a different person, even though I collect their Agent ID info, customer service states they can not look up that information. Every call ends the same : Promises to return my call the following day ( or Monday ), and 0 return calls have been received. 

As a consumer, this appears to be a gross mishandling of funds and questionable business practices. I am filing this complaint based on " Bad Faith '' practices instituted by CMG Financial. 

Note : The only complaint the CMG has adjusted is the double charge on my escrow account for the current homeowner insurance renewal ( not mentioned above, but yet another example of the incompetence ).
Product: Checking or savings account

After requesting my bank account be closed by Merrill Lync over a year ago. As todays date XX/XX/2021 my bank account is still opened and I was never closed nor did they mailed the remaining of {$3900.00}. I have no access to this account as I was informed it was in the closing phase. With everything happing last year life has been overwhelming with getting XXXX, losing my aunt to XXXX losing my job, I simply forgot about my bank account. I contacted Merrill Lynch on XX/XX/2021 and informed them I want my account immidely closed and I want my balance forwarded to me. I check this morning and the account is still open. I'm very concerned because I'm not sure what Merrill Lync is doing with my account like XXXX XXXX XXXX did to its customers. This situation is causing me a great deal of stress and XXXX. I feel there's nothing I can do and I'm out of options. Please help me with getting my account closed and getting the remaining balance from my account This should be illegal and Merrill Lync should fined.
Product: Mortgage

I had a mortgage loan with Caliber Home Loans for my primary home a few years ago. The experience with the mortgage company was the worst I have had and was riddled with unprofessional customer service and deceptive claims, including a guarantee to refinance my loan at a lower rate, only to then be immediately denied denied after verbal and written assurances by the company. 
I ultimately, and thankfully, refinanced my loan with a different mortgage company in XXXX of XXXX. I received, and have, documentation, that my loan was paid in full with a payoff date of XX/XX/2020. 
They did not refund me my last mortgage payment, which went through after the loan was paid off by the new mortgage company, despite my calling and spending hours on the phone telling them that there was an overpayment due to their charging me the last mortgage payment after the payoff. 
A few months ago, I received a letter saying the overpayment checks have not been cashed ( because I never received them ) and I had to complete 2 forms stating that the amount is still owed and I want a replacement check. Both forms were sent five months ago ( attached in documentation ) and I still have not received the {$1500.00} check in overpayment, which is LESS than my original overpayment amount that I disputed with them in XXXX, which was over {$3000.00}. 
To add insult to injury, I have received 3 letters ( one which was sent by certified mail ) stating that my mortgage payments to Caliber Home Loans ( who I have not had a loan with since XXXX of XXXX  ) are delinquent and my home may be foreclosed. 
The letters were received last week and this week ( included in attached documents with dates included ). 
The bottom of one of the letters states it is an attempt to collect a debt.

They also sent me a loss mitigation application.

This company has been utterly unprofessional, inept, deceptive and failed to refund me my mortgage overpayments despite multiple attempts ( by both phone and letter ) throughout my home 's unfortunate but short lived tenure with them and now they are threatening foreclosure on my home for a loan that has been paid in full ( overpaid ) for three years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is XXXX  its taken them 3 years and they havent fixed fixed anything after several documents I call every single day
Product: Credit reporting or other personal consumer reports

I have been checking my credit report almost every hour since the first time such inaccurate accounts appeared on my credit report. This time, I noticed that an inaccurate account is currently being reported on my credit report. I have no idea why this keeps happening to my report but please thoroughly check the documents I've sent so this thing won't happen to me again in the future.