23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am filing a complaint against my Mortgage Company ( M & T Bank ). Unfortunately, due to recent events in my life, paying my mortgage has not been as easy. I called my mortgage company on XX/XX/year> and spoke to a representative regarding my PMI payment. I requested my payment to be taken off the loan ( payment is {$370.00} ) because that alone can alleviate the high mortgage payment and can have an impact on my expenses significantly. The customer representative stated that she put in the request and that I would be receiving correspondence in a week or so regarding request. I never received correspondence. On XX/XX/year> at approximately XXXX hours, I called my financial institution again and spoke to XXXX, customer service representative. I explained my situation and she read the correspondence that was sent. Correspondence stated that the PMI would not be able to be taken off the loan due to it be installed for the life of the loan. She continued, that the only way it can be taken off is if I were to refinance. I responded that refinancing would cause me to have the same or higher mortgage payment due to the high interest rates. XXXX XXXX placed me on hold and contacted her XXXX, XXXX, to explain the situation. XXXX XXXX then told me that they could not assist me on their end, however, the Homeowners assistance program ( another department within their financial institution ) would be able to. XXXX XXXX proceeded to state that the downside of the Home Owner 's assistance program in attempting to help is that my loan had to be in " delinquent '' status. I asked her to clarify, she stated that I would have to stop paying my loan ( I have never missed a payment, nor have paid it late ) and let it go into delinquent status. I told her that I was not refusing to pay into my loan, I was just requesting that the PMI to be removed, which would alleviate my financial situation. I told her that allowing my loan to go into delinquent status would affect my credit, something that would affect my whole livelihood. questioned, how can a Bank that I should be trusting tell me that in order for them to assist me, is also asking me to harm myself in the same sentence. I am baffled of how as a consumer, I am being asked to stop paying into my loan in order to receive any some sort of assistance. The current events in California, with the high cost of living, should alone be a great factor in these Banks having discretion in their terms to assist the consumer. I am not asking for them to assist me with a whole monthly payment, I am simply asking a Bank that I pay in full every month, to have compassion towards people like me ( that never go into default with their loan ) and assist with a simple PMI monthly removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out two letters to these credit bureaus and I have not received a response this has been since XXXX!! This is ridiculous as consumer I have the rights to have accounts verified on my credit report especially with how easy it is for people to get a hold of personal information. I sent the below paragraph and letters to the credit bureaus and still no response. 

I am distressed that you have included the information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX dispute was open when i sent a letter from the courthouse stating that they do not give information regarding bankruptcies to the credit bureas XX/XX/XXXX dispute was completed and bankrutcy was verified XX/XX/XXXX called to request method of verification and was told the court was the method of verification and when asked for proof of verification, was told that couldnt be done even after I brought up the courts told me they do not give information to credit bureas
Product: Consumer Loan

I purchased a XXXX Buick Rainer on XXXX XXXX, XXXX. The amount financed for the Vehicle was {$16000.00}. Since XXXX XXXX, XXXX, I have been paying the sum of {$440.00} every month. To date, I have paid {$15000.00} and have been inform that I still owe {$10000.00} on the Vehicle. Since I got the Vehicle, I have been experiencing serious problem involving periodic repairs. This has been going on until recently, the Vehicle has broken down. The repair bill is over {$4000.00}, which I do n't have. I have tried to solicit help from the loan company, Exeter Finance, but they have flatly refuse to even listen to me. I asked for them to refinance the vehicle, but they told me to go to other Loan Institutions as they do not finance their own loan. I am writing this complaint to inquire as to what steps are available to solve this problem. I casn not continue to pay for a vehicle that I am not using. It is apparent that during the course of this loan, I have only been paying interest, and little or no principle. Please advise on how I can get help in this situation. Thanks for your anticipated help.
Product: Credit card

I was really hoping Macy 's had changed their bizarre practice of charging XXXX dollars after a balance is satisfied. I 've had a Macy 's card previously ( and currently ), paid the XXXX dollars after my total balance is settled, only to be charged XXXX dollars in subsequent months. When I 've called in the past, it has been explained as interest for the first month, and then a " mistake '' in the following months. The only way to stop the charge is to call and ask for it to be credited back -- and then I get charged again in the following month. I have found the most effective way to deal with this fee is to cancel the card completely. Luckily, I pay attention to my bills. If I were another consumer who did n't, Macy 's unfairly sets them up for late fees and additional charges that can impact their credit score. 

Thank you, XXXX
Product: Other financial service

The American Student Services has taken ownership of this account when it was with another other holders XXXX, XXXX and XXXX XXXX XXXX. I have advised them of this. Most recently this agency is profiling me at this date of XXXX/XXXX/XXXX when this account is not assigned to them. My student loans are currently assigned to XXXX. That has not stopped AMERICAN Student Services from causing negative impacts on my credit by putting erroneous information on my credit reports most recently XXXX/XXXX/XXXX with XXXX and XXXX XXXX with XXXX and XXXX..They have attempted to start the this cycle over by putting recent negative late payments on my account when it is not in their ownership. I do not have an account with them.. This appears to be racially motivated due to my previous complaints and previous conversations with older woman at American Student Services..
Product: Credit reporting or other personal consumer reports

Un known inquiries on my report is fraud I never applied or inquired about
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Transunion associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Transunion has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA. 
This inaccurate information is damaging my XXXX XXXX and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed several fraudulent accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to all of these collectors asking for anything thing with my wet signature and none of them were able to furnish anything I signed. I have reached out to them THREE times in writing asking them to remove these fraudulent accounts from my report and haven't gotten a response. It have been over 90 days. The fraudulent accounts that I noticed on my report are listed with the amounts, account numbers and name of collector below : XXXX ) XXXX XXXX account XXXX Date Opened : XX/XX/XXXX amount : {$410.00} XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number : XXXX Date opened : XX/XX/XXXX amount : {$1500.00} XXXX ) XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) account number XXXX XXXX Date Opened : XX/XX/XXXX amount : {$8200.00} XXXX ) XXXX XXXX  account number : XXXX Date Opened : XX/XX/XXXX amount : {$600.00} XXXX ) XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$600.00} There were also a stream of inquires that I didn't notice from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not know these people, addresses, Phone and Numbers. I never made any accounts with these companies or have any contracts with them. I'm asking that they all be removed promptly from my credit reports XXXX, XXXX, XXXX, and Experian. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 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: Mortgage

Mr. Cooper is by far the absolute worst company/business I have ever dealt with! They continuously provide me with incorrect information, and then when I speak to someone else, they tell me something different. If you are looking to do a loan modification, forget about it. They will make your life miserable! You submit all required documents only to be told that you need another updated copy of bank statements almost XXXX a month. You submit the bank statements, then XXXX weeks later they inform you that you filled out a form incorrectly or tell you the form is no longer in use and will need to print and fill out the updated form. After you submit everything, they will inform you a month or so later that your loan modification has been canceled due to " missing documents. '' So after you resubmit everything again and wait another XXXX months, you anticipate having a slightly lower monthly mortgage payment. However, not with Mr. Cooper! You will end up paying an additional $ XXXX more a month. 

If you have or are considering using Mr. Cooper for a mortgage, be forewarned and don't buy a home where there is weather. Because if your home is destroyed due to weather or anything out of your control, your home will sustain more damage waiting for them to send back your insurance check to make required repairs. 

There was a severe storm in my region of the country on XX/XX/year>, which removed half of my roof. Within minutes, I had water coming into my daughter 's bedroom, down into the kitchen, and into the basement. After doing everything that was required of me and spending over {$100.00} in postage sending documents back and forth to XXXX which I was advised by XXXX customer service to overnight the check as well as pay for overnight envelope to overnight it back. I advised XXXX XXXX of this and I was told I was given the wrong information and that theyre sorry I wasted over {$100.00} in postage that I wont get back. 

Its XX/XX/year>, and I have yet to receive the insurance check from XXXX. Which now I have even more extensive damage to my home due to their incompetence. So now I will be filing another insurance claim for the new damages. 

I could continue on about this terrible company, but I have to empty all the buckets of water. Their customer service is another horror story. They treat you horribly, and if you express your frustration, they will hang up on you. This company should be fined millions of dollars, if not shut down, for their continuous poor business practices towards their customers. 
They don't even deserve XXXX star, in my opinion! 

Stay far away from this incapable " company ''!!! 

V/R XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my drivers license, and social security card to verify my identity. I request the security freeze to be removed from my credit profile because I cant access it online to file disputes, review responses or check my report. 
This is a huge hassle to me, I never asked EXPERIAN to place personal fraud statements on the account or send them to other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included TRANSWORLD SYSTEMS information in my credit profile on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 



Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified and unauthorized inquiries and collections on my credit report thats need too be removed asap
Product: Mortgage

Please see attached again. My funds have still not been applied correctly and I went thru the fees. Also as their attorney said BSI apologizes for claiming a request was a QWR when it was an appeal does not make it ok. I want my fees applied correctly as requested and the statement does not even show the extra XXXX claimed to not be applied. I would never know what was not applied without constantly having to question everything. It should have been XXXX not XXXX extra. I am so tired of this run around. I want my funds applied as directed plain and simple. If BSI bought this loan it is their responsibility not mine to prove fees. In regards to XXXX maybe they should realize XXXX never responded to any QWR I sent them. Never mailed me statements or anything. I found out they bought from XXXX months later and I contacted them asking for info. They never sent me a statement or fees or anything. The only thing they ever said is that they are working on XXXX modification that was sent. Never a fee, Never a response to QWR NOTHIONG!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Dispute of Incorrect Address on Credit Report Dear Sir/Madam, I am writing to formally dispute an incorrect address listed on my TransUnion credit report. The address in question is shown as XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX, but this is not my current or previous address. 

Below are my details for identification purposes : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last 4 digits ) : XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX The correct address is as follows : XXXX XXXX XXXX, XXXX XXXX, MD XXXX I kindly request that you investigate and correct this error. 

Please let me know if any additional information is required. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. I expect a response within the 30-day period required by law. 

Sincerely, XXXX XXXX
Product: Debt collection

Received hundreds of emails from First Source Advantage and unlimited spam calls ; i have tried to block them but still getting harassing calls and emails on top of pandemic XXXX and XXXX XXXX issues.
Product: Vehicle loan or lease

I bought a car in XXXX from XXXX XXXX for {$26000.00} my interest rate was 18.95 % the car should have cost me {$46000.00}. Payments of {$620.00} a month for 72 months with Regional Acceptance Corp. 

Now I have had financial difficulties in the last 8 years and do admit with getting extensions and late payment for the last 8 years of paying for my car. I even filed bankruptcy 2 times. 
However I still paid {$51000.00} to Regional in the last 8 years, of that {$51000.00} only {$9500.00} went to the principal of the car, {$31000.00} went straight to interest and {$4800.00} went for late and other fees. Now they are stating I still over {$19000.00} on the car. 
That would mean I paying almost {$71000.00} for a {$30000.00} car that is only worth {$5000.00}. 
attached are all the documents. 
This car should be paid in full. Please help. This company took all the money for interest and never paid anything for my car. Even making a {$1200.00} payment after bankruptcy on XXXX it went all to the interest.
Product: Student loan

To whom it may concern, I am filing this complaint after failed attempts to reach FedLoan Servicing via phone on XX/XX/XXXX and via email sent on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, all of my credit bureaus showed that FedLoan Servicing reported I had missed three monthly payments and I was in a delinquency status. This did not make sense because I was in school in XXXX and my student loans should be in deferment or forbearance state. I was taking two classes from XX/XX/XXXX until XX/XX/XXXX. I did not attend school from XX/XX/XXXX to XX/XX/XXXX and should have been granted a grace period of 6 months ; however, on XX/XX/XXXX, my loan went into repayment instead. Unfortunately, no letter was mailed to me to state this nor did I have access to my old email account at that time, so I did not receive this notice and believed my student loan was in grace period, based on the loan details in the promissory note for repayment terms ( students dropping below half time or out of school ). The payment due date first began on XX/XX/XXXX and on XX/XX/XXXX, I signed into FedLoan Services website and realized my loan was NOT in grace and I immediately updated my status to in-school and provided my start date of XX/XX/XXXX at XXXX. FedLoan Services updated my status and provided the message that no further action was needed from me and that XXXX would provide them further information. I believed this meant that FedLoan Servicing would contact XXXX on my behalf and confirmed that my account updated to {$0.00} payment due before signing out. On XX/XX/XXXX, I began taking classes as a full-time student, with the hopes of finally completing my degree, while working full-time to fund my education. I also worked to increase my credit score to get approval for an educational private loan to pay for continuing education, and apply for a lower interest personal loan to consolidate my larger debts into affordable payments so that my family and I can have a better financial standing. I am now unable to do this. The FedLoan Servicing sent 15+ reports of 90 days missed payments to all 3 credit bureaus, which lowered my score nearly 190 points. I have worked so hard for the past 6 years to build my credit only to have it destroyed because the FedLoan company did not properly apply the deferment/forbearance status accurately to my account. I have attached documentation for their failure to do this. The first document is the approved forbearance period that shows my loans were deferred until XX/XX/XXXX. The second documentation shows another approved forbearance period after they FINALLY updated my school status on XX/XX/XXXX that shows my deferment started from XX/XX/XXXX until XX/XX/XXXX. Given this evidence, my account should NOT have gone into a 90-day delinquency and FedLoan Services should never have sent a delinquent status to my credit bureaus for their failure to update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is  XXXX   XXXX   XXXX  and I live at  XXXX   XXXX   XXXX   XXXX   XXXX  Del  XXXX  and I work at  XXXX  and my phone number is  XXXX . Everything else that is reporting on my credit reports are inaccurate/incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) Account # XXXX - XXXX XXXX Account # 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 an account without my written instructions.
Product: Debt collection

A debt for an electricity bill that was fraudulently opened under my name that I had removed from my credit report last year that was readded this year
Product: Debt collection

PLEASE PROVIDE PROOF THAT I OWN THESE ACCOUNT. MY IDENTITY HAS BEEN COMPROMISED. I XXXX LIKE TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the follow accounts have violated my rights : XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX of XXXX. Account # XXXX XXXX XXXX. Account # XXXX and account # 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 an account without my written instructions.