23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2021, I received a letter from LoanDepot, the company through which I have a conventional mortgage stating that my insurance was expiring. This seemed strange to me since I have my insurance paid through the mortgage company ( the escrow account ). I called LoanDepot on XX/XX/XXXX and spoke to an agent, XXXX, and was told that they paid, but the insurance company, XXXX XXXX, must not have accepted the payment and that I needed to call them directly. She also stated that that LoanDepot called them and was disconnected. They called back the next day to be told the insurance was cancelled. 

I immediately called XXXX and got all the way through and was placed on hold by the auto-voice, then disconnected. I called right back and was able to speak to an agent, XXXX. He had me stay on the phone with him as the mortgage payments department looked at the information. I was again disconnected. I called back immediately and was connected with XXXX. XXXX stated that LoanDepot did not pay the correct amount and even though they were informed of this, did not make the payment that would have kept the insurance, so it was cancelled. 

I called LoanDepot again and spoke to XXXX at XXXX. She put me on hold to get the information from the insurance escrow department. When she came back in the line, she disconnected me. I called back and spoke to XXXX. XXXX put me on hold for 15v minutes. she could not tell me anything. I asked for a supervisor and was placed on hold again. When XXXX came back on the line, she told me that no supervisor could be found and that she would put me on a list but it would take up to 48 hours to get a call back. 

I feel like this is a scam that LoanDepot is utilizing to force people to get insurance through them or a company they are affiliated with for more money. They are not trying to rectify this situation, and now I am trying to find insurance that is affordable, like my other one was, but I am faced with higher rates due to the fact that I am currently not covered, thanks to my mortgage company. My original rate was $ XXXX ; the lowest rate I could find, so far, is $ XXXX. This is a huge difference. 

I ask that this get handled appropriately and economically, for me, not them, so that I am not stuck in a situation caused by them and their ineptitude.
Product: Debt collection

On XX/XX/2019 Jefferson Capital Systems levied my bank account for {$6000.00}. There was no payment arrangement accepted. I offered to pay on a debt that was very old and beyond the statute of limitations in my state of Ohio. 

The debt was clearly time barred and yet the company was rude over the phone, mean when I asked questions about the debt and unwilling to work with me on payment arrangements. 

The company now is not picking up the phone when I call and the attorney XXXX XXXX is not returning my calls to discuss the matter. 

This company is not abiding by the law and needs to be stopped much like XXXX XXXX had to be years ago.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX Customer ( XXXX  ) Purchased XXXX at XXXX for {$5000.00} ( Contract for Services ) from Bank of America ( XXXX XXXX, VA ) Paid with Check Euros Arrived at BOA on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer has XXXX XXXX XX/XX/XXXX Bank ( Bank of American ( BOA ), XXXX VA ) returns Euros back to BOA Foreign Currency Exchange Customer Not Notified XXXX XXXX XXXX BOA converts XXXX to {$4900.00} and deposits to Customers BOA Account Customer Not Notified ( Two months after Euros returned ) XXXX XXXX XXXX  Customer attempts to acquire Euros at BOA ( XXXX ) Customer notified that Foreign Funds are held for 10 business days and then returned to BOA Foreign Currency Exchange . This term/condition is not stipulated when contract is made with the bank. This is in essence an attempt to modify the contract after execution. BOA has defaulted on the original contract. Customer neither signed, nor was presented any documentation with respect to BOAs 10 day hold policy. BOA sent no emails to customer attempting to notify him of this policy after Euros were purchased. 

XXXX XXXX XXXX Customer repurchases XXXX ( same number of Euros ) at XXXX for {$5400.00} Customer loses {$470.00} for same number of Euros purchased in XX/XX/XXXX Customer has requested a refund of {$470.00} for customers loss BOA ( XXXX ) referred customer to BOA Customer Service which referred customer to BOA Foreign Exchange Investigations XXXX XXXX XXXX XXXX Discussions with BOA Foreign Exchange Investigations states that BOA has right to change terms and conditions o

f Foreign Currency Exchange transactions. - Customer disagrees. Any stipulations on the exchange of fund, should be highlighted up front and any modifications after the fact modifies the conditions of the transaction. 
- Customer also contends since BOA had his email that an email notification would have been beneficial. Customer states that no emails were sent and BOA verifies this was the case. 
- BOA Foreign Currency Exchange states that terms and condition are up to individual bank and that any recourse needs to be communicated to them. BOA ( XXXX ) states that this is a corporate issue which needs resolution at XXXX. 
- Customer also questioned XXXX XXXX XXXX why they were allow to hold the Euros for almost two months before exchanging and depositing into Customers account. Clearly BOA Foreign Currency Exchange was holding because of favorable positive position - Customer requests refund of {$470.00} as BOA broke original terms of agreement costing the customer money.
Product: Mortgage

Submitted refinancing request with Nationstar Mortgage in XXXX of 2016. They sent documents confirming rate and referred to their appraiser. their appraiser had NO availability until & gt ; 60 days after rate lock. I received NO communication that the rate would be cancelled if the appraisal was not completed and the request submitted within 60 days and in fact they were made aware of the date the appraisal was scheduled from the beginning. I also sent an email asking for confirmation that there would be no problem with a delay in the appraisal until early XXXX which went unanswered by Nation Star but replied to by the appraisal company stating that Nation Star was aware of the situation and it would not be an issue. I was just informed that my request for refinancing has been cancelled because it " timed out. '' but they are happy to begin the process again - at a higher mortgage rate of course because the rates have increased. This is clearly a deliberate method to avoid offering refinancing at the lowest interest rates, especially when they anticipate the interest rates will be rising.
Product: Debt collection

Dear Portfolio Recovery Associates/ XXXX XXXX  Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of the accounts on my credit report. Upon connection with the respective companies, it was proven that an error occurred. Furthermore, assurances were provided over a phone call that the accounts would be promptly removed. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already deleted the accounts from my report and so I request that you take immediate action to delete these erroneous accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX XXXX and I am a resident of XXXX XXXX XXXX XXXX. I am filing this complaint because I had one account with Wells Fargo ; this account got shut down in XXXX XXXX XXXX without me being given any information or notice of the closings. I have reached out to the Bank on multiple occasions and was always given different reasonings as to why this happened. One of the reasons I was told was that it was Fraud, but was not given any further details of the incident, but I did confirm the fraud was NOT committed by me. I have been trying to fix this issue for over a year and nobody from the Wells Fargo corporation has been of any assistance to me. There was also money that was kept and never returned to me.This issue has caused me to not be able to open any other accounts at different banks as I have tried multiple times. It is extremely difficult and such an inconvenience to my life as I have to pay bills, kids, work etc. I need whatever hold is on my information lifted and to be able to have a bank account. As a consumer money is insured by the Federal Deposit Insurance Corporation and is supposed to be returned to me! I also should be able to have a functioning bank account. I need further assistance with this matter and soon!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XX/XX/2017 Unauthorized inquiry two times in the same month. Was done without my consent.
Product: Credit card

My credit card was lost, I have been a loyal customer for 27 years and have never been late. I called to cancel the card and get a new one, however navigating their automated system is horrible and somehow my account was accidentally closed. I called today to get my card re opened and they said I would have to re apply. This is. It fair and re applying would have a negative impact on my credit score, I would also loose the 27 years of service on my credit report. This is unfair and Citi bank / Home Depot should make this right.
Product: Checking or savings account

On XX/XX/2022 a {$300.00} Deposit was sent online to the XXXX XXXX, XXXX  located at XXXX XXXX XXXX XXXX. XXXX, GA XXXX | XXXX XXXX XXXX XXXX | XXXX, We decided to go to another location, due to the Company stating if he had a Guarantor or Co-Signer he would be over qualified so we decided to cancel the application. Which XXXX the Company that referred us to them stated they would have to return the deposit back to us since the deal was cancelled. Approximately 3 to 4 weeks went by and I followed up with XXXX the Apartment Complex regarding our refund. They stated it had been mailed and cashed. I informed them that we hadn't received anything and confirmed my address, they stated that's where it was mailed, and they sent me a copy of the signed check! Of course it wasn't my signature. At this time, we still haven't received the refund from Synovous Bank and the Apartment Complex is giving us misinformation and nothing definite regarding the deposit refund. Also, whomever Forged my Signature and Cashed the check needs to be held accountable and funds paid with interest. I have spoken with the Manager XXXX XXXX, again nothing has been taken care of at this time.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED.

I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY.

PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was defrauded by a hotel by being given a non-jacuzzi suite when I had booked a jacuzzi suite . I had clear documentation of the suite I booked and that I had not received a jacuzzi suite . PayPal decided against me for literally no reason and refused to provide a reason when asked, even though the seller admitted that I didn't get the jacuzzi suite I booked due to errors on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XX/XX/XXXX .
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX 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: Debt collection

I don't know what this debt is for, but TSI said if i paid them they'd go away from my credit reports. So i was tricked into paying them and they are still on my reports!
Product: Vehicle loan or lease

Our account was enrolled in auto pay. PNC stopped taking the payments. We never received any emails or letters form them informing us of any issues. The only attempt at communication was AFTER the loan was already late. Last payment taken was for XXXX of XXXX and no attempts to reach us were made until XX/XX/XXXX from their collections department. They also never provide confirmation emails or otherwise when a payment is successful. The payments should not have stopped being withdrawn since auto pay was enrolled for the duration of the loan term. They initially tried telling us we were never enrolled in auto pay and all our payments had been single pay made every month. This is easily disproved since the last time we logged in was XX/XX/XXXX of XXXX. Meanwhile all payments had been withdrawn with no problem. They then tried to shift blame on us by saying the auto pay had expired and we forgot. Yet when we go online to enroll auto pay it says we can't because auto pay is already set up, another lie. We didn't hear from a manager after trying to escalate. This has cause my partner and I 's credit to drop 86 and 120 points. Absolutely disgusting! We want these derogatory marks removed from our credit since they were the ones who without warning or cause stopped collecting payments. Then refused to provide any kind of notice or communication to allow us to remediate the situation. Any other financial institution sends our immediate communication when auto pay fails. Not PNC evidently.
Product: Debt collection

I 'm currently in contract to get a home loan a debt came up on my credit report from diversified collection agency which I contacted and they explain to me is from a time warner account under the name of XXXX XXXX which is not me my name is XXXX XXXX. This agency said my social security was used to open this account and they received that account from XXXX. I contacted XXXX they assure me and confirm that account was not open with my social security number or my name and I 'm an not affiliated with that account at all and they do n't know why that collection agency is trying to collect from or why they are saying my social security was used to open the account. There 's no fraud committed the only fraud I see is this collection agency pinning this debt on me. I believe is because yes I went through collection for a minor amount about 8 years ago and me and this person have the same last name so they picked my social security number to pin this on my credit report. So I was forced to pay the debt in order to make sure I get my home loan. But I did it in a dispute with XXXX which suppose to contact that collection agency and confirm that debt is not mines. I explain that to the collection agency but they still think is me I told them I want my money back asoon as this clears out. It seems like this collection agency do n't want to hear me out. It is not right what they are doing I 'm more upset about not getting this loan for my first home because they decided to mess up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint AGAIN to update this suspicious information. The XXXX Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.
Product: Credit card

The very first charge from XXXX XXXX which I have a receipt for is not showing on my statement. The last charge is an adjustment charge after bringing the vehicle back in and getting prorated. Therefore the second to last charge that was automatically billed was supposed to be reversed. I called XXXX XXXX dept they said that I will be refunded the amount by XX/XX/XXXX or XXXX. Didnt get refunded called them back trust tell me call XXXX XXXX. I do so they say they dont see an additional charge ( unauthorized charge ). They refuse to help me. I reach out to my card holder Capital one about the issue. The first person I speak with didnt want to take the Rental Record number in the dispute claim. Then I had to call back after not hearing anything and they say I need to speak with another person and another person and eventually I get to a manager and they are saying submit the additional info online. I do so and they say they cant find it dispute closed. No further questions for whats going on no call in to further elaborate just nothing. They say send the receipt that I have as literal proof and they dont do anything to rectify the situation. This charge was the charge that initially caused my CC to be over its limit and Ive been trying to fight it and been struggling to pay what has racked up along with my own charges. Its so disturbing that these companies can try and fool you when you have receipt proof and they dont want to accept it. Literally makes no sense!
Product: Credit reporting or other personal consumer reports

Experian continues to report on my credit report the XXXX XXXX accounts # XXXX and # XXXX even though I have provided them with evidence both verbally, via telephone, and in writing that the XXXX XXXX XXXX Department investigated these accounts and found that they were opened fraudulently and without my authorization. An XX/XX/XXXX letter from XXXX XXXX ( attached ) states that they have informed Experian to remove these accounts from my credit report due to this fraudulent activity. Unfortunately, Experian continues to list these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX