23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

First and foremost, I made a payment to XXXX XXXX on XX/XX/2019. The applied all of this payment to EXTRA PRINICIPAL. They did not divide the amounts into principal/interest and escrow. I have called them NUMEROUS times to advise them of this error. 
This payment was to be applied as a regular payment towards XXXX. It is now XX/XX/2019 and I still have not had this corrected, even though I have reached out many times. 

Second of all, I still feel that the escrow calculation the bank is using is incorrect. My real estate taxes and homeowners insurance total XXXX per a year. If you divide this by 12, the monthly amount should be XXXX. I currently have XXXX in my escrow account. So even if a cushion is required, I have enough. I want an escrow analysis to be rerun and my payment They are charging me XXXX return check fee, which is incorrect. 

I sent a money order to them, I should have no fees. A money order can not bounce and there was no stop payment. 

Please have my payment reapplied and remove my fee. I am not sure what this lender is doing.
Product: Credit card or prepaid card

I had a XXXX XXXX store card thru Comenity. Earlier this year I paid off the balance. Just this past month they closed my account. They reason was initially for inactivity and then poor credit. They keep closing and/or lowering my credit limit which causes the score to go lower. I am also responsible for a low score. But all they are doing is making it worse.
Product: Mortgage

The mortage thru PNC Bank in question was on a home we sold thru a realty listing XXXX XXXX, was paid in full thru a closing attorney, and we have all documents showing so. Approximately a month ago started receiving notices that our home owners insurance had lapsed, and PNC would be adding Insurance to the property. Contacted PNC, they showed a balance due of {$30000.00}, so it went downhill from there. Nobody has an explanation, after several phone calls including with managers, say they will get back with me. They claim they are working on it. In the meantime, I have received notices of {$4000.00} owed to the most recent of {$7000.00} owed. I have received calls from their collection department as well as they have turned info over to credit bureau. The closing attorney has been in contact with PNC and at this point to no avail. The story is much longer than this, bottom line is we do not own this property as it was sold, mortage loan paid in full, I have all documents proving so. Tired of being harassed.
Product: Debt collection

Today my wife received a call from this number - XXXX ext - XXXX regarding a credit card I had with XXXX. The company XXXX XXXX XXXX then proceeded to tell my wife about my personal and private business. The individual who called her XXXX, told her he was a debt collector and then proceeded to tell her why he was calling about a debt I have. I never authorized anyone to call her. I never gave her number to this place. So he not only obtained her number without permission, but also broke the law and gave out personal information regarding said debt which they were never authorized to do. I only found out because my wife came home and told me. Plus she also said this XXXX XXXX was very mean, could barely understand a word he said and was demanding, all this while she was at work and explained she was. So last time I checked they violated the FDCPA which is supposed to stop this kind of activity. Therefore why I am filing a complaint and want action taken on them. How they got her number and then proceeded to give out my personal information just broke two laws last time I checked.
Product: Mortgage

Pennymac grievously misled me into a forbearance. The terms as they were explained to me were the balance of the months would be added to the end of the loan. Imagine my surprise when I went to resume my payments to find the total due immediately was for the entire amount that was supposed to be at the end of the loan. Thank God I was able to pay the almost XXXX. Mortgage payments resumed. They paid insurance and taxes late from escrow 2x in 3 years ( they are not my original servicer ) I requested my escrow account be removed, i have a conventional mortgage, never have been late etc. I was given the runaround then told my account shows multiple 30 day lates because of the forbearance. I was told numerous times the forbearance would not negatively impact my credit or mortgage in anyway. They are now telling me i can not have escrow removed for 2 years and if i wanted to access any of my XXXX in equity i can not because my account shows delinquent payments because of the forbearance. This is absolutely absurd. I have never paid a payment late and have owned 4 homes in my lifetime. If i could refinance to get away from these vultures i would but ill never find a rate lower than my 3 %
Product: Credit card

American Express " cancelled '' my Gold card account. They considered me a credit risk. They lied to me over the phone stating they have proof that I had opened certain e-mails pertaining to the fact that recent payments were returned unpaid by my bank. 
I offered to pay the outstanding balance in full, less the dollar equivalence of the reward points earned and not yet redeemed. They declined, stating that all reward points are forfeited when the account is closed. So after paying the outstanding balance, less {$1.00} for every XXXX points, they put the account into collections for the reward points balance ( {$2700.00} ). They are not responding to my letters that lay out the case that I never was a credit risk, that I was in a financial position to pay off the balance in full, suggesting they should have issued a rewards point credit to the account prior to cancellation ( or at the very least transfer the reward point balance to a different rewards program outside of American Express ). But instead they decided to unscrupulously put the rewards balance into collections. In reading the very fine print of terms and conditions of card usage, they do state that reward points are lost if the card is cancelled. Like all other credit cards that I hold, I had never considered reading the terms and conditions. Not only should American Express make greater efforts to expose their card holders to their hidden and deceptive policies, but I believe their ability of being allowed to cancel a card at their discretion at any time should be challenged by US lawmakers as flawed as it only serves their interests with complete disdain for their card holders.
Product: Student loan

My loan was originally provided through a company named XXXX ( XXXX XXXX XXXX XXXX ). I approximately began getting garnished back in 2018, at that time I received a letter from a separate company than whom is now receiving the funds. There was a period of time when I was being garnished at a different rate and it stopped without notice and began back at a different interest rate/amount bi-weekly seemed to be based off of my Gross Amount earned. I have been contacted by the company Bass & Associates who has not provided me with any information concerning the Loan, and will not share terms of the loan, including a current balance owed. At the time I reached out to XXXX   the Representative insisted that I set-up an account unknowingly of the terms or circumstances that I would be subjecting myself into, after already knowing I have paid approximately {$7000.00}. At some point in conversation I was told that I had a 0 % interest rate with a balance of {$5000.00} with no proof of statement or explanation of terms. The Customer Service included no empathy for the simple fact of speaking to an individual about what is supposed to be my information yet, I have no insight on what I am being demanded to engage in and agree to, also my income is being decreased significantly and it is out of my control. I am not saying and putting up an argument that it is not due, my argument is that I have been paying into this loan and actually have no idea where the funds are being paid to and with no information, a balance or know the terms. According to my Credit Report this debt is showing as Closed and over a course of the years the interest rate continue to increase. I am requesting help in Customer Service and equal opportunity from this company of knowing my obligations to be able to not let this affect me in ways of financial and health related stress. I look forward to getting this process reviewed and initiated with an update of the progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX In accordance with the fair CREDIT REPORTING ACT XXXXXXXX  ACCOUNT # XXXX # XXXX XXXX # XXXXXXXX XXXX  # XXXX HAS VIOLATED MY RIGHT 15 U.S.C 1681 SECTION 602 A. States i have the right tp privacy.

15 U.S.C 1681 SECTION 602 A. SECTION 2 IT ALSO STATE A CONSUMER REPORT Agency can not fumish a account without my written instructions
Product: Student loan

I am a co- borrower of XXXX XXXX Options XXXX XXXX. XXXX  XXXX filed XXXX listed XXXX and Salle Mae . Received dicharge in XXXX they did not object, did not do a lift of stay to try to secure anytype of poayment, based on thier statement. they have not recoved any paymenrs from XXXX. Ordinarily unsecured loans ( such as private student loans ) are fully dischargeable in bankruptcy. Sallie Mae likes to use 3.Any other educational loan that is a qualified education loan, as defined in IRS Code 221 ( d ) ( 1 ). See 11 U.S.C. 523 ( 8 ) ( B ). 
I did not recieve any education benefit, I did not receive a 1098-E. 

Courts find that the second exception does not apply either. A private student loan is not a scholarship or stipend, and the overwhelming body of judicial authority finds that it is not an educational benefit either. See Homaidan v. Salle Mae , Inc., 3 F.4th 595 ( 2d. Cir. XXXX  ) ; In re McDaniel, 973 F.3d 1083 ( 10th Cir. XXXX  ) ( No normal speaker of English ... would say that student loans are obligations to repay funds received as an educational benefit ) ; In re Crocker, 941 F.3d 206, 209 ( 5th Cir. XXXX  ). That a private loan is an educational benefit is inconsistent with the full text of 11 U.S.C. 523 ( 8 ) the other two exceptions would be unnecessary if education benefit included loans. Such an interpretation is also inconsistent with the provisions legislative history.

The Bankruptcy Code determines whether a private student loan is a qualified educational loan based on a definition set out in the IRS Code to determine if student loan interest is deductible from income for federal tax purposes. That IRS definition of a qualified education loan requires the loan be used for qualified educational expenses by an eligible student attending an eligible educational institution. As a result, this requires a creditor bear the burden to show a private student loan meets ten conditions If the lender can prove that all ten conditions apply, then the loan is only dischargeable if the consumer can show undue hardship. But at the time of loan origination if any of the ten conditions do not apply, then the loan is dischargeable 5. The Course of Study Must Qualify : enrollment must be in a course of study leading to a degree or certificate. See 20 U.S.C. 1091 ( b ) ( 3 ). A short-term course not leading to a degree does not qualify.

At the time of the loan orignation the Major listed ( course of study ) on the Promisry notes staes OTH. for all three years. 

XXXX there is no rate type on this promissory note.
Product: Credit reporting or other personal consumer reports

I contacted XXXX to dispute the inaccuracy and errors of 2 Bankruptcies present on my credit reports. I first contacted the local Bankruptcy court to understand how 2 bankruptcies were reported on public record when I did not complete a bankruptcy. There are 2 bankruptcy months apart which is not feasible in bankruptcy court laws which is a direct indication of error and inaccuracy and clear violation of 15 USC 1681. I was informed by the court that they did not report any information to the credit bureaus. On XX/XX/year> XXXX XXXX conducted its investigation and determined that the bankruptcy filings report data as unverifiable and is in violation of the FCRA and was removed and their files updated. So I am confused as to how XXXX, Equifax and XXXX was allowed without permission from the court or anymore to report this erroneous and inaccurate information. I have disputed the violation with all 3 credit reporting companies with no avail. I contacted XXXX XXXX and they have disputed this information along with a erroneous collection in violation fo 15 USC 1692, but have not received a response from them. The XXXX, XXXX and Equifax are in clear violation the FCRA which allows me to sue in State and Federal Court. If these items are not removed immediately, I will be forced to seek legal redress with the bankruptcy for reporting inaccurate and erroneous information but again they said they do not have a completed bankruptcy on file for me. I need these bankruptcies and collection removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXXXXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

In regards to XXXX XXXX XXXX XXXX Account # : XXXX As to the credit reporting agencies Transunion XXXX XXXX , and XXXX Per the FCRA I as a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal, and non-verbal per 15 USC 6802- 6805 Per The Privacy Act of 1974 And under 15 USC 1681 ; the report is inaccurate with blue highlighted dots showing inaccuracies and need for this account to be removed immediately
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16818-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX XXXX XXXX  ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violationsXXXX. Fair Credit Reporting Act 15USC S1681 violations for willful noncompliance - 5616. Civil liability for willful noncompliance [ 15 U.S.C. 1681N Best regards, XXXX XXXX
Product: Debt collection

Mars trying to collect money from me I asked them to send me signed documents and they failed to submit anything. Told them to stop calling me I get calls from different numbers threatening to take me to court asking for my bank information talking disrespectful to me. I dont know these people this is on my credit asked for it to removed due to they cant provide proper documentation I feel threatened at this time.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i notified the legal department XXXX XXXX XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The inquiries, which appears on my credit report from SYNCB/WALMRT dated X/XX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
Product: Checking or savings account

XXXX XX/XX/XXXX they notified me that my XXXX  accounts ( spend and save ) had been locked and send them a government issued ID, selfie of me holding the card, name, DOB, address, email address to lift the lock on my money accounts so I could close the account. 
I uploaded the data ( my TX Driver 's License, my XXXX XXXX ID Card, and all personal data ) via their provided link. Repeat, day after day all the way up to today. I replied to their emails asking for exactly why my account is locked and what I could do to get it unlocked and close my account. Only answer via email, chats, and phone conversations ended the same way, " we apologize but this is for your protection '' and " details remain at the higher level team handling your case ''. 
I noticed yesterday that they did state in the very first email as like an after thought, I could call ( XXXX ) XXXX and when asked why I'm calling to say " speak to the Resolution Team '' I did that yesterday, and they said they got my request to close my account and give them 10 days ( to XX/XX/XXXX ) to process the closing my account. Not recieved any confirmation of this via email and think it was just another way to delayclosure and hold onto my funds.
Product: Money transfer, virtual currency, or money service

Hello dear Wise! 

I am a lawyer XXXX from the XXXX Bar, handling the case of XXXX XXXX, who sued Wise ( Transfer Wise ) for wrongful account closure. My client was not provided with any evidence that he violated wise 's policy, so I will now be handling the case in the XXXX court. 

He is based in XXXX and has every right to use the wise account. When the account was blocked, he provided all the documents confirming his legal use of the account, but the account was closed without explanation, it is clear that wise never says the reasons for closing the account, but you will have to prove in court and voice the reason for closing the account. 

Waiting for your reply .... 

Regards. 
XXXX
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account # XXXX was charged off and sold to a collection agency. XXXX XXXX is still reporting this account to my credit report. XXXX XXXX no longer owns the account since it has been sold to a credit collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX Amazon automatically made my chase/Amazon XXXX  Visa card, the default card on my Amazon account XXXX The card was not even activated yet, so there was charges I was unaware of, resulting in a late payment, dropping my credit score more than XXXX points.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : CHILD SPRT Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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