23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The problem is with Forced Place Insurance by my the mortgage servicer. 
Chronology of events : XXXX XXXX, XXXX - " Notification of Expired Coverage '' sent by sevicer. Not true. Thesame policy has been effect since XXXX. 
XXXX XXXX, XXXX - Faxed policy information. Next XXXX statement still showing a {$53.00} escrow assessment for Forced Place Insurance. 
XXXX XXXX, XXXX - Called servicer. They said they only had expired info on file and had not received the fax, that their system was about 2 weeks backlogged due to the XXXX holiday. I suggested soft copy e-mail upload and they agreed and had me upload to XXXXXXXXXXXX. This seemed odd since the domain does not match their company name. Another {$53.00} escrow assessment on the XXXX statement. 
XXXX XXXX, XXXX - Caller servicer and they said that they had received the Proof Of Insurance but they need the " Declarations '' page. Had Insurance agency fax the " Declarations page Another {$53.00} escrow assessment on the XXXX statement. 
XXXX XXXX, XXXX - Called the mortgage serviver and they said that they still had not received any current information and only had expired information on file. This agent said that the " POI '' and the " Declarations '' pages are the same thing. Advised me that they have a NEW fax number. Faxed information again. 
XXXX XXXX, XXXX - Received a notification from the servicer that the " mortgagee '' information was incorrect. Contected my insurance agent and they confirmed that the mortgagee information is correct, exactly as requested. POI sent again by my insurance agent to the NEW fax number. More re-occurring monthly charges for Forced Place Insurance. 

Essentially gave up - This is obviously a revenue enhancing ploy. Blog postings indicate that this particular mprtgage servicer could make life much worse for me, e.g. reporting incorrect information to credit bureaus, unexplained additional fees, incorrect balance calculations, etc. 

XXXX XXXX, XXXX - I have a second property with the same loan servicer. Now they are doing the same thing with the XXXX mortgage. The recent " Expired Insurance '' notification gives directions for web upload option option. Uploaded insurance information for XXXX mortgages. 
XXXX XXXX, XXXX - Filed complaint with CA XXXX oversight. Complaint # XXXX, the licencing ageny for this mortgage provider.
Product: Credit reporting or other personal consumer reports

I found an account for the amount of {$1200.00} on XX/XX/XXXX in my credit report that was apparently opened on XX/XX/XXXX for XXXX XXXX. Until this point, I had no idea who XXXX even was. I immediately began to email the company, XXXX, to report that this was not opened by me and to remove this from my credit report and was unable to get any help. I called and they always had phone issues where they could not hear me or somebody in XXXX would pretend that they did not speak English. When I spoke XXXX  to them, the phone connection got worse. This happened multiple times. 

The credit report only showed the first 4 digits of the account and the last two were shown as XXXX I sent a certified letter to the company and their response was that they need the full account number. I once again tried calling to explain the situation and no luck. Bad phone connection or somebody that just didnt know anything. I eventually sent another letter and got a response with the full account number, magically, but that they needed a lot of documents to verify the account. I sent them what they needed : Social security number, pay check stubs around the time the account was opened, credit report showing the account and License. I received no response. 

I've tried many things through varies agencies to try to help me, including Experian, and they could not get ahold of them on the phone either. The latest letter received on XX/XX/XXXX states that all of the information that I sent them matches what they have on file. Of course, it matches, it's identify theft. 

This company has provided little to no information and has not taken any steps to remedy this situation. I have a perfect credit report payment history EXCEPT for this company because who ever opened this account is defaulting on payments.
Product: Mortgage

My bank sends my payments in on the first and the loan servicing company doesn't apply them to my account until after the due date to charge a late fee. The bank mails my payment on the first and the loan servicing company applies it on the XXXX. THERE IS SOMETHING VERY WRONG WITH THIS! 17 DAYS TO GET TO THEM AND APPLY PAYMENT. They try saying that it is the post office. If this is true then how does the late payment reminder letter get to me in three days but 20 gays for payment to them. I sent a letter of thank you to a random business and they had it in 4 days. I called the post office they are not as far behind as the loan servicer is saying. What made me question this they have been servicing since XX/XX/21 and the last two months has been an issue. Yet the post office has gotten even better on deliveries. BSI Financial is fraudulently holding payment and applying them after the due date to collect late fees. None the less even if the post office was behind or their company was short staffed, that is not the consumers fault much less the consumers problem. This is fraud at the worst way and something needs to be done. I will be exposing this publicly and let the public handle this in the best way they see fit.
Product: Credit reporting, credit repair services, or other personal consumer reports

They advertise XXXX  XXXX XXXX BUT it is axteap because they force you to sign one up for service to get the score and make you call to cancel. Misrepresentation- the '' rest of the story '' let the seeker beware.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly collections for medical expenses on the following accounts : XXXX XXXX in the amount of {$4500.00} account number XXXX ; N/A in the amount of {$1600.00} account number XXXX ; XXXX XXXX in the amount of {$700.00} account number XXXX ; CREDITORS in the amount of {$340.00} account number XXXX ; XXXX XXXX XXXX in the amount of {$290.00} account number XXXX ; and N/A in the amount of {$140.00} account number XXXX. ( Please see page attached from my credit report. ) I had health insurance coverage and therefore there should be no outstanding balances due. ( I have attached a copy of my insurance card. ) This false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue regarding an unauthorized inquiry that has been opened under my name. This inquiry is fraudulent, and its existence on my credit report is a direct result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I noticed All XXXX Credit Bureaus that Ive been a victim of identity theft. A fraud alert was requested at that time. As of now it seems as nothing was done. Its still multiple fraudulent accounts, address & inquiries on my files. 

The Following Address need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX XXXX Ct 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 The Following inquiries XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The following accounts are fraudulent, per FCRA XXXX. But for some reason they keep saying its been verified. How was is verified. Because Ive never done business with these companies, or entered into a written contract. So please tell me how are you verifying this. Ive sent multiple FTC reports. Per the Federal government thats what I was told to do. No one can over ride federal law. Please Block these fraudulent accounts from my credit file 1 XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX Acct # XXXX 5XXXX XXXX XXXX Acct # XXXX 6.CreditACPT acct # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX Acct # XXXX
Product: Credit card

Chase Freedom Credit Card opened in my name. Sent to my address. It had not been used so I don't know if the person was planning to snatch it out of my mailbox or just use the credit number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been going back and forth with these people at the Nelnet customer service disputing this fraudulent student loan for months.
Product: Debt collection

First Federal Credit Control XXXX XXXX XXXX # XXXX XXXX, OH XXXX In 2016 I was covered by my husband 's employer sponsored medical insurance, XXXX XXXX XXXX XXXX of Illinois. 
He was directly reimbursed {$760.00} for my XXXX ride by XXXX XXXX XXXX XXXX. Check was SOLEY in his name only as he was the employee. He deposited the check in his checking account but REFUSED to pay the bill. As my husband was the guarantor of my medical bills, ( as he was the sole breadwinner at the time as well as providing for my medical insurance through his employer, XXXX XXXX XXXX ) he is liable for this debt. 

This is showing up on my XXXX Credit Report with a date of XX/XX/2016. 
Phone calls to FFCC and online disputes have proved futile. Additionally, I have made a complaint to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX. Account number : XXXX XXXX XXXX XXXX  Account number : XXXX // XXXX XXXX  Account XXXX XXXX Billing Account number : XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 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. 




In accordance with Fair Credit Reporting Act, Original creditor : 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. XXXX XXXX XXXX. Account number : XXXX Needs to be updated late needs to be removed.
Product: Credit card or prepaid card

I have a consumer 's credit card offered by Synchrony Bank for XXXX. They constantly lower my credit limit adversely affecting my credit score. I have never missed a cc payment in XXXX  years with any company. Synchrony Bank did this to me with XXXX other accounts, in fact, closed XXXX account but they still charge me interest on an account they chose to close. 
I spoke with them about this but they just refer you to the terms and agreement. they do damage my credit score for no reason. How is this legal? According to social media, they have a long history of jacking customers around. Something must be done.
Product: Mortgage

on XXXX XXXX we had struggled to get a loan modification through XXXX mortgage after getting XXXX with a 3 % interest we signed on the dotted line. At the time we saw that they had installed a balloon payment of over {$28000.00} they said it was for the payments in arrears but we never missed more than 6 months of payments and this was only because XXXX mortgage said to stop paying thats the only way they would help us. Anyway back to the present ocwen our mortgage lender now added money to this bringing it to {$31000.00} that ocwen has added to our principle remaining balance. We our in the final stage of getting a va refi but again ocwen has tried to rip us off. after i had looked at our modification agreement i found that ocwen violated the contract by not changing our loan to principle and interest which they did not due .The mod agreement states that interest only period will end on XXXX XXXX XXXX which they did not due so now its going on 2 years later and only because i caught them violating the agreement on XXXX XXXX XXXX i had called them and are payment was at {$1700.00} and when i called on XXXX XXXX XXXX the payment doubled over night they took our 3 % interest and raised it to 7.25 % over night iam not a lawyer but this is against the law. So what we wanted them to do is remove the {$31000.00} from our principle loan balance because XXXX out of paying 2 years of principle on our house. they then said they would look into this matter and when i called back they told me that the amount of {$37000.00} would be removed from the pay off amount after the letter was approved .Ihave called almost everyday to find out when this would be removed so we can then payoff the remaining principle balance and get away from this completely crooked company .We were told that it would only take 10-15 days it has gone past that now they tell us to give them 24-48hrs they have said this 3 times .You can now see what we have been dealing with for years now please help us make them remove that fraudulant {$31000.00} deffered payment from our payoff amount so we get finally get a real XXXX fixed mortgage using my va refi. So were asking for any help that you can give us .Me and my family would like to thankyou in advance for any help you can give us to get them to remove that {$31000.00} from are payoff so we can proceed with our va refi thankyou.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my first home in XXXX of XXXX. 3 weeks after purchasing my home, I was put on furlough through my employer and my hours were cut in half. Unfortunately, I did not qualify for unemployment because I made to much ( even though my income had been cut in half and all of my bills stayed the same ). 
I contacted XXXX  and they offered to defer the payments, but I knew I could make them ... it just may take a little longer than the 30 days you are given. 
I have made every single payment on my home. Whenever I got a stimulus check I put every dime toward my house payment. 
Unfortunately, M & T bank took over my loan and even though I was told I would not have any " late payment '' marks on my credit & there would be no fees for the late payments as long as they were made, I now have 7 late payments ( one of which is for XX/XX/XXXX and that payment has been paid ). 
My credit score has dropped over 150 points just from those remarks and they have charged me over {$500.00} in fees. 
Over the last year, every single payment and late fee has been paid. I will gladly pay the late fee, as a courtesy since I was in fact late. I have spoken to several people at M & T and all refuse to help me with the late fee remarks on my credit. I shouldn't have my credit ruined when half the world was able to go without paying their bills at all ... and the WHOLE world was in the middle of a pandemic.

I would really appreciate it if M & T mortgage would take off all of the 7 late payments they marked on my credit so that I can work toward rebuilding what covid has messed up. I will no longer have any late payments ( I have since returned to work, all payments are current and will stay that way ).
Product: Debt collection

While checking my credit score this month I noticed for the first time on my credit report I had a negative item. When I looked it says it was a collection item from XX/XX/2012 that I never knew I even owed. I have perfect credit score with no negative items on my credit. I never once received any notice, call or  communication stating I owed this debt.
Product: Money transfer, virtual currency, or money service

Answering CitiBank mailed flyer offering {$500.00} cash bonus for {$50000.00} deposit, in XX/XX/XXXX I opened a new CitiBank savings account to hold the funds. In XX/XX/XXXX I closed the account via Cashiers Check ( copy attached ), which i mailed same day to my primary financial institution, XXXX. When the deposit had n't posted, I returned to CitiBank ( XXXX XXXX, CA ) to report the problem. I was assured moves would be commenced within days to resolve the matter. Having heard NOTHING in two weeks, I returned, reported the total lack of follow-up to branch mgr XXXX XXXX. Re-started the process, with XXXX XXXX and me spending over 2 hours confirming with my XXXX XXXX representative that the check had never been received by XXXX. XXXX XXXX confirmed the AWOL cashier 's check had not been cashed. But instead of issuing a Stop Payment on that check and issuing me a replacement check, XXXX XXXX stated CitiBank had to wait 60+ days to ensure that the AWOL cashiers check was not deposited. Under the circumstances, XXXX XXXX said he would try to get my money re-funded the following week and promised to keep me posted. After 3 weeks of silence, I called XXXX XXXX again, learning that he was no longer with CitiBank. Apparently, he had left NO notes on the 3+ hours of my time spent in trying to resolve the matter. Not ONE of the Personal Bankers, including the Branch Manager, knew where my {$50000.00} was or when/how I could/would get it back. I was sluffed off to another officer to re-start the process de novo. Unwilling to start all over after CitiBank 's repeated lapses and failures, I sent a detailed Certified Letter ( attached ) to XXXX XXXX XXXX, CitiBank 's Chief Legal Officer, who in turn sluffed off my complaint to XXXX XXXX, client liaison, who emailed a form letter ( attached ) stating, among other things, " please be assured that your communication is important to us and will receive a deliberate and thorough review ''. On XX/XX/XXXX I returned the call as requested in the email and had to leave a message on XXXX XXXX 's Voice Mail. I have had NO written or verbal response whatsoever in these 3 weeks.
CitiBank does NOT provide its bankers adequate information on handling AWOL cashiers ' checks and does not require Officers to document issues or respond to customers. 90 days after initially reporting the AWOL cashiers ' check, I STILL have NO IDEA OF WHEN OR HOW I WILL EVER GET MY {$50000.00} BACK. This is beyond incompetence on CitiBank 's part ... ... ... .it is plain and simple consumer fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items information which iare found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files.XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$2.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.