23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Last year I started a modification with my mortgage company. In the approval my mortgage was brought by NationStar brought my mortgage. I my modification process I was told my payment would be about {$730.00} a month. Now it is up to {$1000.00} and changing monthly. My prinicipal amount, escrow ( they say is negative ) and other fees keep going up and I 'm no where close to the amount that I agreed to pay. I have called, complained and tried to get answers to no avail. They are saying they are paying for insurance when I pay my own insurance policy. And have submitted papers to them in the past to show this. When I call them they play the transfer to multiple line issue and soon they just disconnect you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a 1 bedroom apartment with the " XXXX by XXXX '' in XXXX XXXX on XXXX XXXX. Mind you I have no evictions on my file, my credit is average due to the amount of recent inquiries by Law school and rental properties in addition to Car lots fraudulently putting inquiries on my profile long after I walked out. The company uses a background check service called Core Logic. Not only did they report a false report as the reason to deny my application but they used false background reasoning to support their argument to further deny me an apartment. I did my own background check after they did it and did not find anything they were claiming to have found. It did not state anything they said and my credit score did not state anything they said as well. They just did not want me to have the apartment and Core logic used its resources fraudulently in order to deny me the apartment.
Product: Mortgage

On XXXX XX/XX/2019 my check no. XXXX, in the amount of {$300.00} was posted to my escrow account with WELLS FARGO. I received an escrow review statement in the mail mid XXXX regarding a shortage of my escrow account of {$260.00}. I called the Wells Fargo Mortgage XXXX XX/XX/2019 and was transferred three times, because of inconsistency responses of each banker representative. I informed them the escrow statement I received now is being referred to as a projected analysis, nevertheless its misleading to the homeowners. The last person I dealt with was XXXX XXXX and basically in a nutshell she stated for me to pay the contractual payment initiating on XX/XX/2019 in the amount of {$2000.00}. I explained to her I see the shortage of my escrow because I changed my homeowners insurance policy. Albeit, the extra hidden {$280.00}, does not justify, when my property taxes fees remain the same. 
Well Fargo should of ask for {$540.00}, but they could not justify, so they create numbers that is not reality. 
Wells Fargo continues to be a corporation of false and misleading information to their customers. I have {$260.00} displayed over three documents, in bold writing about the escrow shortage. 
Clearly misrepresentation and false information and bogus so-called projected analysis basically more fees to cover corporation fraudulent practices at consumers expenses.
Product: Mortgage

I was supposed to receive my closing documents from Bank of America to review at least 3 days prior to closing. I made numerous attempts to get these from the bank and my requests went unanswered. I contacted the closing company and found that their documents had been " approved '' by the bank, but I had no idea if they were accurate. The closing company sent mine to me so I could get the cashiers check for closing. No one from the bank ever reviewed the documents with me even after more requests. I did receive the documents the day after closing.
Product: Student loan

I previously applied through student loans.gov to convert my XXXX loans ( all ) to the XXXX plan in XX/XX/2023. I never received anything from my loan serviced AidVantage. 

Then, in XX/XX/2023, I contacted AidVantage customer service, waited on hold for 50 minutes, and then processed another similar request through an agent, and she advised me that my monthly payment would be approximately {$320.00} per month and that I would receive a confirmation from AidVantage that the loan payment terms were being changed. I never received anything from AidVantage. 

Im early XX/XX/2023, I attempted again to contact AidVantage, but after XXXX hours on hold, I had to wait to try again. My loans have not been changed to the XXXX plan, and my first due date is tomorrow, XXXX XXXX. The payment due is approximately {$550.00}. I attempted to call AidVantage again, and have been on hold XXXX minutes with no answer.
Product: Mortgage

In XXXX of 2022 I requested removal of PMI from my mortgage based on XXXX XXXX for substantial improvements made to my home. XXXX, who was the sub-servicer that handled the servicing of my loan on behalf of XXXX approved the removal of PMI based on a reappraisal performed on XX/XX/2022. In early XXXX I received written confirmation that my home has appraised for {$370000.00} or 78 % XXXX at the time of appraisal. I received written confirmation from Cenlar dated XX/XX/2022 that : " We are writing to inform you that you have met the requirements established for the removal of Private Mortgage Insurance ( PMI ) coverage. This insurance has been terminated and no further premiums, payments or other fees for PMI are due. Your monthly mortgage payment amount will be adjusted effective with the XXXX, XXXX payment. '' On or about XX/XX/2022, I received a separate notice from XXXX that my loan was being transferred to Specialized Loan Servicing as the new sub-servicer of my mortgage account. 

I have sine received a mortgage statement from Specialized Loan Servicing with a due date of XX/XX/2022 and the original payment amount of {$1600.00} is shown as due. This is not reflecting the amount of reduced escrow of {$72.00} which is no longer due since PMI has now been cancelled. 

I have called and spoken to no less than 4 representatives between XX/XX/2022 and XX/XX/2022. I was told to send the letter from XXXX indicating PMI was cancelled effective with my XX/XX/2022 payment via email to XXXX, which I did on XX/XX/2022. I also emailed a " Notice of Error '' to the same email address. Neither email has caused SLS to resolve the issue and now the incorrect payment amount is past due and I can not get the issue resolved.
Product: Vehicle loan or lease

I had a car repossessed by Wells Fargo. 
It was a XXXX XXXX XXXX. 
I paid {$13000.00} for it in XXXX. 
I came under circumstances not under my control. 
I was 3-4 months behind my payments, they'd stolen my car in the night. 
I showed up at the branch, with cash in hand, ready to pay off my back payments on a Saturday. 
The banker told me, " that section is closed today since it is a Saturday, probably, they've already sold your car by now. '' Wait? a major bank and that section is closed today, you have to be kidding, what are you doing here, then? 
I said, " how can you do that? I still have a week to redeem, my car. '' Simply shameful XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX $ XXXX XXXX XXXX XXXX {$150.00}
Product: Checking or savings account

I opened an online savings account with XXXX by Goldman Sachs in XX/XX/XXXX, which I funded with money from my checking account at XXXX XXXX ( which was linked and approved by Marcus ). 

One month ago ( on XX/XX/XXXX ), I requested my savings to be withdrawn from the Marcus account. The transfer was reversed the following day on XX/XX/XXXX. I contacted Marcus to understand the situation, and was informed that my account had been locked. The reason provided to me was that I needed to be verified with a pin authorization sent to my mobile number on file ( the same number I have been using for years and which has never been changed since I opened the account - also the number called Marcus from ), but that since the number was not associated to my name ( whatever this means ) they couldnt verify me and therefore had to lock my account. 

I was then informed the only way to unlock my account was to sign a notarized affidavit and return it to Marcus. They claimed it was mailed to me on XX/XX/XXXX, and that it should arrive in XXXX business days. After 15 days I had not received the affidavit in my mail. I called Marcus again on XX/XX/XXXX to request the affidavit be re-sent, and I was informed that there was a new company policy which no longer used affidavits. Instead, I was to be called by Marcus within XXXX business days to rectify the situation and confirm my identify. 

XXXX business days have passed, I have not been anywhere without my phone and, surprise surprise, I havent received a call from Marcus. 
My account has been locked for one month. I have urgency in withdrawing my funds, and feel like I am no closer to having my situation solved. I feel completely powerless and have no idea what to do. 

I request Marcus by Goldman Sachs to please unlock and close my savings and CD accounts, and transfer all the funds to my XXXX XXXX account ( the original account I used to fund it ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Please see the activity of my XXXX Credit Report, these inquiries were not authorized by myself. 
XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Equifax : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX account number ending in XXXX with a balance of XXXX dollars has violated my rights. 

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 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
Product: Debt collection

The collection company for the creditor calls everyday, sometimes twice a day, and also on weekends, which is very inconvenient. I included screenshots of the number of calls and the dates and times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never provide my consent to report any of my nonpublic private consumer information. This is authorized use and is identity theft. I hereby Opt-Out of any consent obtained to report my nonpublic private consumer information pursuant to Regulation P of the CFR.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Payday loan, title loan, or personal loan

I have a {$1000.00} loan with Big Picture Loans, and I went online to my account starting on XXXX XXXX, 2017. The website said it was refreshing, and would clock and clock, never giving me the payment site. I tried another computer on XXXX XXXX, 2017, another one on XXXX XXXX, 2017, another one on XXXX XXXX, 2017, and finally another one today on XXXX XXXX, 2017.
The website for payment has been down all this time, so I finally called today at XXXX XXXX PDT to pay off the loan. If I was able to pay several days ago, it would have been $ XXXX/-, today it is $ XXXX/-. This is because they can not process the payment until XXXX XXXX, 2017.
To me it seems like they have a scam going. Ca n't pay online, then when I do pay, it will be three days before the payment shows up. This is predatory lending at its finest. I want my interest back that was accumulated from XXXX XXXX - XXXX XXXX, 2017/ XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Company repeatedly calls to collect debt that I do not believe I owe, I had a XXXX XXXX  credit card, made a small around {$30.00} dollar charge. Due to the unexpected XXXX  of my husband I missed its payment. Once I realized it, I immediately paid it, Comenity bank holder of the credit card, called and said there was a late payment due, I asked considering the circumstances, would they waive the late fee, they did not, most companies do, I also asked for the card to be canceled, they refused. I then got a bill for a trumped up charge of {$2.00}. I called them multiple times, asking to talk to a supervisor, the agent replied only if I made a payment to my balance. Then they started accruing penalties and fees, which the Better business bureau has sighted as unfair credit charges. My credit rating took a hit. Then they sold the debt to XXXX credit management who started harassing me with multiple calls from multiple numbers, I had to place a call blocker on my phone. I have had as many as 10-12 calls a day in rapid succession. This company has an unsatisfactory rating from better business bureau. All this mess could have prevented if Comenity Bank allowed me to talk to a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. There are so many questions that are popping on my mind now. Like why are you doing this kind of thing to people appealing to your company? Oh! I forgot! YOU HAVE DONE NOTHING! You there at Transunion are really hilarious. The other bureaus have already deleted the account below but you still managed to report this fraudulent information on my file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... Delete the account below and comply with the law : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I called Early Warning to obtain a " security freeze '' as outlined in the FRCA. However, I was informed by the representative " XXXX '' that he had never heard of that and it was not offered. He continued that Early Warning was not a " credit '' reporting agency and consumer reporting agencies were exempt from the FRCA, which is absolutely false. Although, the rights are listed at the bottom of the Consumer Report which I obtained. It reads in bold and all caps that " CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE. '' After no further denial, I requested to speak with a supervisor " XXXX, '' but she never came to the phone. I requested a call back. Thus, my issue is that I have the right to a security freeze and would like one placed on my consumer report. Thank you.
Product: Debt collection

I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. Their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting

In XX/XX/2016 I pulled my credit report to find XXXX hard credit inquiries on my credit report that did not belong there. A certified letter to all XXXX credit agencies was sent requesting the removal of the inaccurate information on my credit report. The XXXX letter was the same as the XXXX letter. They stated that they will not remove these inquiries and that I needed to contact each individual company and have them remove it. Per the FCRA statutes, the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. None of these things apply to me. The request to remove inquiries was sent to all XXXX CB 's twice and the same response was given
Product: Debt collection

In XXXX I move out off apartment that I was renting. 
Deposit of {$500.00} was in question when I left the property. 

XXXX XXXX sends this account to collection, without notification. 

The only balance was left was {$500.00} prorate rent for XX/XX/XXXX, but they did not return my deposit. 

My balance was at the time {$500.00} to XXXX XXXX apartments In XXXX XXXX, CA. 

Last year trying to build credit, lender run my credit and shows a balance of {$2000.00}. 

I request the credit companies a validation of the account to find out : -How they came up to this balance? From {$500.00} to $ XXXX-I offer a Settlement-I offer a payment plan with something in paper to reflect this agreement. 

They came back with, I had to pay or there attorney will proceed ; know collection calls asking me to pay full balance. 
When account was Charge off. Status of Limitation was check in California is 2 year. 
I started contact ; I initiated conversation and XXXX call. 
I submit a request to the credit bureaus but, they only send me a charge statement from this Agency. 

Company failure to comply with : -break down of fees-copies of the original contract-provided name or manes of account ( Attorney ) - Harassing me with calls- Company failure to comply with copies of records within 30 days. 
-refuse to work with me-damage my credit - reporting account I was not informed I had. 

Please see attached documents I have send to credit companies. 
Please, know I am asking for deletion of the account. 
This collection had created a financial impact in my credit for many years. 
Not able to obtain credit, not employment. 
Creating, : Stress, fair, and emotional stress that have affected the stability and peace on my family. 

Thank you!! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. The following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire new financial products. I have requested contracts from this company with my information but I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report hoping that you make a better decision in my situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/FAIRWAY IND unlawfully pulled my credit with unauthorized purpose. I tried resolving through the credit bureau and directly with the furnisher of information but they are ignoring my request. I am demanding XXXX XXXX/FAIRWAY IND to produce proof of permissible purpose by me or remove the inquiry from my credit reports immediately. 
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Inquiry on my credit report : FAIRWAY INDE Inquiry Date : XX/XX/XXXX ; FAIRWAY INDE Inquiry Date : XX/XX/XXXX XXXX