23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I took the initial mortgage loan in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX with the original loan terms that I can request an escrow account waiver in future if I need to. At that time for my convenience, I chose it as an impound account ( i.e. pay taxes & insurance in the escrow account ) since I was assured that I can request to waive it in future. 

Subsequently, the loan was sold twice and currently it is being serviced by Ally Bank XXXX XXXX XXXX XXXX XXXX 

Recently, I requested for an escrow account waiver from Ally Bank. I sent a hand-written request ( via fax ) to them on Date : XX/XX/XXXX regarding this request. 

However, I received an absurd response from Ally Bank ( Dated : XX/XX/XXXX ) stating that the loan did not permit an escrow waiver. Kindly NOTE that Ally Bank did NOT do any investigation at their end and just provided me a straight denial. 

Hence, I escalated the matter with Ally Bank by speaking multiple times with their customer representation team and explaining the fact that I did not take a direct loan from Ally Bank and my loan was transferred to them. Hence the original loan terms and conditions can not change which allow me the waiver of the escrow account. 

I also sent hand-written ESCALATION to them XXXX XXXX XXXX XXXX XXXX XXXX  ) asking them to kindly look into the original loan terms and conditions which allow me to waive the escrow ( i.e. they can not simply deny stating that loan terms doesn't allow it ). 

Ally Bank responded ( XXXX XXXX XXXX XXXX that while I am allowed to get the escrow waived, however they have OPTED to keep the escrow account and NOT to waive it. 

I feel so much frustrated, mentally harassed and cheated now. This is NOT what my original loan terms were agreed upon and Ally Bank is simply denying it without any solid grounds. 

NOTE : I have NEVER defaulted on any of my monthly mortgage payments ( which include the taxes and insurance ) and have always paid them on time. All I am requesting now is that going forward I would like to take care of paying the taxes and insurance myself- which were the original terms agreed upon. 

Firstly Ally Bank denies by stating that the loan terms doesn't allow waive of escrow- without even investigating. And after my escalation and their investigation when they see that the original loan terms allow waiver of escrow, they refuse by saying that they are Opting out of it. I FEEL SO MUCH DECEIVED and HELPLESS NOW.
Product: Credit reporting or other personal consumer reports

I have been in a XXXX XXXX XXXX for XXXX  years. My student loan account has a XXXX  freeze, meaning I can pay and discuss, but XXXX can't collect the debt. They are reporting me at XXXX  days past due, and they already have my daughter who is a XXXX year in repayment status, and have me delinquent on that as well. This has impacted my credit score in the worst way and my current creditors are lowering my available balance due to the steep drop in my credit score. XXXX acknowledges that this was on a freeze.
Product: Checking or savings account

On XX/XX/XXXX my account was closed by Pnc they froze all my funds I called them to see what was going on they told me it was up to the bank to end the relationship so I went to the branch where I opened the account I spoke to the banker that opened my account he spoke to one of the departments and he was told It was an issue verifying my information he explained it was a typo on his end asked if he could fix the issue and have my account remain open or release my funds to me they also told him no so on XX/XX/XXXX I spoke with XXXX XXXX from retails she acted as if she could help me or better assist me but then she turns around and says sorry its nothing more she can do my account is closed I have to wait 7-10 business days for a cashier check then on XX/XX/XXXX I spoke with some from the retail department because I had a XXXX sent to that It was for XXXX $ and it says pending so I called and they were like your account isnt closed its on hold and Im like last week I was told it was closed and he reassured me it wasnt so at this point Im seeking a lawyer because my account was closed because of error made by the bank also my funds was taking away from me during a pandemic and Im a mother of three and I have bills to pay also I was told my funds couldnt be released to me because it was closed then to find out its not is wrong because when I was at the branch they could have given me a cashier check then
Product: Credit card or prepaid card

- The company refuses to address a XXXX XXXX XXXX complaint and XXXX XXXX XXXX has reversed any charges from my account as well. 

The bank is Comenity Bank and the card is XXXX XXXX. I asked XXXX to close my account and they refuse to do so. XXXX took action by crediting my account and is consumer-friendly but Comenity Bank refused to do so. 


Business Name : Comenity Bank Address : XXXX, OH XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look at the attached documents thoroughly as the personal information you are reporting is not mine.
Product: Bank account or service

I opened account with Regions bank on XX/XX/XXXX.Today, XX/XX/XXXX, my wallet was stolen. I immediately called police and the Regions branch on XXXX XXXX XXXX XXXX, XXXX TN XXXX where I first opened my account at as it was the only quick Regions number I could find from the binder I was given when I opened the account.I never used my cards for once since I opened the account. I spoke to the branch manager named XXXX XXXX XXXX and requested that he should stop both my debit and access cards because someone just stole my wallet. He told me he did stop the cards and I should not worry and my money is still there. I asked him over and over to make sure whether or not I should call another number to stop the cards or if he could transfer me to the fraud department.He did not refer me or transfer me to the Regions bank fraud department.He told me that he has handled it and told me I should n't worry again. 
An hour later while I was making the police report, XXXX XXXX called me and told me that he has let a lady and a man withdraw {$3400.00} out of my account and he told me it 's because they had my ID and everything so he gave the money. 
This seems like he made a deal with the thieves.This is unprofessional and how can someone withdraw my hard earned money simply because they had my ID? I have the phone records.I called the police and the bank about the same time.An hour later he let the thieve get my hard earned money.
Product: Credit reporting or other personal consumer reports

I have recently viewed my Transunion credit report and I saw a hard or " regular '' inquiry that I do not recognize and did not authorize. The inquiry was dated on XX/XX/year> from XXXX XXXX. Attached to the complaint is a copy of my credit report with the hard inquiry on it. I demand that Transunion remove this hard inquiry as it is not mine. Per the FCRA, it is Transunion 's duty to be reporting correct and accurate information on my credit report and file, however they are NOT. This inaccurate information is damaging my reputation and causing unnecessary emotional and mental stress.
Product: Credit card or prepaid card

Kohls credit card is stating that I made a charge of {$14.00} on XX/XX/XXXX. I did not authorize this transaction. I moved to a new address and never received a bill for this transaction. They have now reported this as 30 day late on my credit bureau, reducing my credit score by XXXX points. When I contacted them to understand why my account was reported in error, they initially told me there was not a problem and no late payment. Now they are stating that I did not pay the {$14.00} charge which was due on XX/XX/XXXX. They initially didnt charge a late fee but since they didnt get a payment on XX/XX/XXXX, they charged a {$15.00} late fee and reported the account 30 days late. They have now placed the transaction in dispute and waived the fee but stated they are unable to reverse the credit reporting. In the midst of this, I moved to a new address in XXXX and thought this account was at XXXX balance. As a result, I have not received a bill for this transaction and didnt know it needed to be disputed until the inaccurate reporting. I would like my credit bureau cleared immediately.
Product: Checking or savings account

I have a checking/savings account with capital one. I usually get paid early on Thursdays around XXXXam. I noticed i have not been paid, they sent out emails saying it would have been fixed by thursday XX/XX//25 or the following which is today XX/XX//25. Due to not receiving my deposit i have bills to pay off and since they are now considered late i am getting late fees now. Which is very unacceptable because it not my fault that my bank couldnt inform us earlier about the issue. I spoke to representatives and most of them are all saying different things about the situation
Product: Credit reporting or other personal consumer reports

In XXXX I was notified via my credit report that I had a collections in the amount of XXXX. I have no knowledge of what this could be for. I sent a letter to the creditor asking them to validate and verify the debt, or explain what it's for, and they have not done so. The only correspondence I have received is from the credit report.
Product: Mortgage

I got optional insurance via phone from XXXX in XX/XX/XXXX. I cancelled the insurance via phone on XX/XX/XXXX and received an email from the insurance company that the policy was cancelled. The mortgage company, Ditech, made monthly payments to the insurance company for 4 months before the mess was straightened out. It took some time before XXXX sent a letter of cancellation to Ditech. XXXX bought Ditech last year and there is no contact information for Ditech on the web and the old phone numbers are no longer in service. Although XXXX bought Ditech, I was told by customer service that XXXX can't help me since this happened under Ditech. I'm trying to get a mortgage loan now so that I can buy a house. The mortgage company that I'm dealing with now will not approve the loan with those late payments on my credit report.
Product: Mortgage

I came to XXXX after being denied the week of my closing date by another mortgage company at the advice of my realtor. At first they were very helpful and insisted that they would be able to help me. My application was in XXXX when rates were higher than they are now. My other lender locked me in at 4.375 %, XXXX because I was desperate gave me the same rate early XXXX but left the rate floating. I was changing jobs so they told me the underwriter could not make a decision on my loan until I got a paystub from my current employer, I asked several time in the course of the loan was this the only outstanding item, they assured me yes. I later find out that they had issues with my credit score, and were not planning to make the loan but didnt tell me until the day of my closing. They sent a representative that doesnt work for them to tell me we would not get the loan due to a credit score drop in XXXX. Well here we are and XXXX and instead of notifying me when it happened he kept it to himself. I told him that whatever issue that was on my credit in XXXX was removed and I had documentation to prove it. Had he told me when the credit was pulled, this could have been resolved then. He then resolved the credit issue in mins, redisclosed the loan to me at the same high rate even though rates have gone down, charged a 1 % origination and 1 % points fee and the issued me a closing disclosure. Closing disclosure stated that we could close on Monday. Because I was desperate and wanted the house I obliged. That same weekend my loan officer went on vacation, never notifying me and left my loan file to be handled by someone who hasnt seen my file. Needless to say we didnt close on Monday as the closing disclosure stated, on Monday it was still being reviewed by an underwriter. The back up loan officer then tells me that their system noted a possible foreclosure on a property Ive owned for over 10 years and have never missed a payment on. It was totally bogus, with no evidence at all. So I missed the closing date again. This is now the 3rd closing Ive missed. I wrote a letter stating how ludicrous these allegations were and how unprofessional this company has acted. And no apology from them at all, they just sent an approval over of my files. I have been embarrassed, my privacy violated, and taken advantage of by giving me such a high rate and expensive terms. This whole process has been unfair and abusive lending practices.
Product: Mortgage

XXXX ( ID # XXXX ) from PHH is stating that PHH Mortgage is unwilling to generate my statements from XX/XX/XXXX to XX/XX/XXXX. 

I require my billing statements from XX/XX/XXXX to XX/XX/XXXX. 

XXXX said someone at PHH, without my authorization, set my loan to " coupon billing ''.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan with American First Finance in XXXX XXXX  worth XXXX dollars taking the 100-day early payment payment, paying XXXX weeks with automatic charges. Today XXXX I just received an email saying that my 100-day payments end on XXXX and that I still have a balance of $ XXXX  to pay if I do not comply with the contract, I will go to the 12-month program paying the same XXXX  my debt will rise to a total of XXXX  dollars. I have already paid 16 installments with a total of XXXX  I am missing XXXX  dollars to fulfill the lease, I would be missing one * installments + XXXX  And they say it is $XXXX  THIS IS AN ABUSE THAT THESE FINANCIAL INSTITUTIONS ARE DOING. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Take this complaint seriously, it is absolutely stressing me out and making me anxious on how could this happen. This company pulled up my credit report without my authorization nor consent. I do not recognize this inquiry nor have applied for this.
Product: Vehicle loan or lease

i bought my daughter a used car 2 years ago. i didn't have a down payment, but the dealer said he could find me a lender. I have decent credit. XXXX XXXX XXXX, of XXXX Alabama approved a loan with interest of between 26 % and 32 %, but are actually charging 6.26 % PER DAY. It was supposed to be a 3 year loan, but some how turned into a 66 month loan.my monthly payment for a XXXX XXXX XXXX is {$320.00} per month.of that {$140.00} is applied to the principal and {$170.00} is applied to interest. I was assured, that if I was timely on my payments I could renegotiate my interest. I've never missed a payment nor have i ever been late, but they wouldn't renegotiate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XX/XX/XXXX. That is inaccurate. At the time, I requested a new closing date on the XXXX account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XX/XX/XXXX for XX/XX/XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation and you will see form the XXXX records that a closing date/due date WAS in fact changed, leaving that as my only evidence. However, I do not believe any of the the 3 credit reporting companies investigated this properly, took XXXX at their word with no evidence of the recording ( which XXXX tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capital One Accounts # XXXX & # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. XXXX5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Due to circumstances and being unemployed I was unable to make my mortgage payments. I am now working and would like for Ocwen to reinstate my loan ... but I can not get any help..I am constantly transferred to XXXX, an XXXX hitting deadend at every step ..Ocwen have not been helpful .Please help me do not let XXXX take my home without negotiating in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

FROM XX/XX/2019 through XX/XX/2019 a number of inquiries intruded my consumer file on my Transunion report I didnt authorize these companies no knowledge either I alerted Transunion they didnt remove any of the negative information also sent no proof that the information belong to me and was true and correct they are in violation of FCRA.
Product: Credit reporting or other personal consumer reports

( 1 ) XXXX XXXXXXXX # XXXX THIS ACCOUNT IS REPORTING AN INACCURRATE BALANCE AND REPORTING DATE .IT IS A CHARGE OFF. I ASKED FOR SIGNATURES AND DOCUMENTS FOR THE ORIGNAL CONTRACT. I NEVER RECEIVED ANY PROOF. IT COMES BACK VERIFIED EVERYTIME. 
( 2 ) XXXX XXXX XXXX. WITH THIS ACCOUNT I HAVE DISPUTED AND ASK FOR THE ORIGNAL CONTRACT AND THE METHOD OF VERIFICATION. MY INVESTIGATION COMES BACK VERIFIED WITH OUT ANY PROOF OF HOW IT WAS VERIFIED. 
( 3 ) XXXXXXXX XXXX XXXX XXXX THIS ACCOUNT IS INACCURRATE AND IT WAS SOLD TO XXXX  XXXX XXXX IS A COLLECTION. BOTH OF THESE ACCOUNTS ARE REPORTING THE SAME DEBT. THE REPORTING IS INACCURRATE ON XXXX AND XXXX NOTHING MATCHES UP ON THE REPORTING. PLEASE DELETE ( 4 ) XXXX THIS ACCOUNT IS REPORTING INACCURRATE DATE OPEN. DATE OF LAST ACTIVITY ON XXXX AND XXXX EVERYTHING IS INACCURATE REPORTING NOTHING IS THE SAME. I ASK FOR THE METHOD OF VERIFICATION.I WAS NOT GRANTED ANY PROOF OF HOW THEY VERIFIED THE ACCOUNTS. ( 5 ) XXXX XXXX XXXX XXXX THIS ACCOUNT IS A CHARGE. IT IS REPORTING INACCURATE DATE OF LAST ACTIVITY. DATE OPEN WITH XXXX AND XXXX NONE OF THE REPORTING IS THE SAME. I ASK FOR ORIGINAL DOCUMENTS AND PROOF OF HOW ITS VERIFIED, THEY NEVER SEND ANYTHING. IT COMES BACK VERIFIED. IF THESE COMPANIES CAN NOT PROVIDE ANY DOCUMENTS OR ANY PROOF. I WOULD LIKE THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REPORT Kindly take urgent measures to remove the unauthorized inquiries from my credit report, as they are causing me significant distress. I did not approve or initiate these accounts, and it is unjust for me to be held responsible for them. I urge you to promptly address this issue.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report access all 3 credit bureaus, I noticed inaccuracies regarding this account. 
XXXX and Equifax are reporting late for the months of XXXX of XXXX while Equifax is reporting late for the months of XXXX of XXXX. These inaccuracies are impacting my scores and is a violation of 15USC 1681.

15 usc 1681 code ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

These late payments being reported are also on violation of 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1666b Per XXXX credit bureau By definition an open end consumer credit plan is XX/XX/XXXX Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.