23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have asked to be able to be removed from the requirement to pay PMI insurance on my mortgage, as I more than meet the threshold requirements of equity to debt. I have requested in writing to Ditech for this to occur, they replied that I am unable to be removed from PMI until the 11 years have transpired. Is there any other remedy for this situation? I thought the rules were that it was until I reached the equity threshold OR then11 years were reached not and or both.
Product: Credit card or prepaid card

I was awarded a refund {$36.00} on XX/XX/XXXX from XXXX on XX/XX/XXXX two refunds of {$7.00}, which left a remaining {$21.00} that i did not receive. After reaching out to XXXX multiple times it turns out the issue is actually with Cashapp. XXXX has released the refund multiple times but Cashapp is not letting it go through. I received an email this morning ( XX/XX/XXXX ) at XXXXXXXX XXXX saying that again XXXX released a refund and even manually did it. When i went to Cashapp my balance jumped to {$36.00} for a second then dropped back down to {$14.00}. I reached out to Cashapp support yesterday and today both times they acted as if the refund did not exist, even though they gave me partial refund from the same transaction, and when i provided proof that it does exist and that they still have not given me the rest with screenshots they then would say they told me all they could regarding the situation and leave the close the chat or hang up the phone on me.
Product: Checking or savings account

I have had the POA responsibility for my XXXX year old mother for over a year with mother 's Union Bank 's checking and money market account. I also have durable power of attorney. 

Mother has XXXX  XXXX. 

On XX/XX/2018 my sister took mother to the bank and had me removed and herself put on as POA. 

There should have been a notation on the account to call me if any changes were trying to be made, whereas this has happened before with my sister making changes without contacting me. I was never contacted. 
I feel the Union Bank Vice President, Branch Manager, XXXX XXXX has been negligence in his fiduciary duties to protect my mother from undue elder abuse influenced by my sister. He states mother is of sound mind. 

My sister has a history and a pattern of taking mother 's money and not paying her back. Mother is in an assisted living environment and needs her limited resources to pay for the cost of her care. I explained that to Union Bank branch manager XXXX XXXX. 

My sister does not allow mother to spend the night at her home. She " doesn't want to be a care giver. '' My sister has financial problems. 

I believe Union Bank has a fiduciary responsibility to protect mother from elder abuse. 
I showed XXXX XXXX my durable power of attorney. He said his bank 's POA supersedes the durable. I beg to differ. There is a pattern of check cashing neglect. Mother ended up in the DA 's check cashing fraud dept. earlier this year, when my sister had changed and closed the account last XX/XX/XXXX .... I took care of the problem for my mother. 

I feel the bank needs better training in supporting their senior clients from elder abuse. 
I will be reporting this to the XXXX County DA Elder Abuse dept. 

If my sister withdraws mother 's money for her own personal use, I will hold Union Bank, XXXX XXXX responsible.. They have been forewarned of that possibility ..
Product: Credit card

My XXXX died in XX/XX/XXXX Ireported his death as legal executor of his estate. XXXX Ohio probate case # XXXX. I contacted XXXX to inform themofhis demise and the fact he died insolvant. This as an unsecured debt. They stated they had recorded the information. His estate was closed on XX/XX/XXXX. I personally paid for his funeral and other expenses related to his demise. 

In todays mail i received a XXXX indicating they had charged off my XXXX 's cedit card when the account should have been closed in XX/XX/XXXX. Further, they mailed the information to my home and i had moved in XX/XX/XXXX. My XXXX never lived at my new home or knew of its existence. He lived XXXX miles away from here. Chase is using my address as his. This is a act of fraud. The estate is closed. XXXX # XXXX on XXXX. 
This form was reported to the IRS and we all know what they are like. Chase shouldbe angry with themselves instead of harassing me. I want a update sent to the IRS concerning the status of this debt. My XXXX has been dead for almost 3 years. They did not do this chargeoff in a timely fashion and only did this to be purely punitive.
Product: Mortgage

Based on my knowledge, we notice alot of violations in regards to my loan and Who owns my loan to pay off a alleged debt with the previous servicer, who is now under investigation ( XXXX XXXX XXXX ) and not license in Maryland under the MD Commissioner Finance office. to collect a debt from a third party. later discover the alleged loan was transfer to XXXX XXXX XXXX. I ven sent off the dispute letters to send to the servicer/ third party debt collector. my payment was returned. and later applied for modification which clearly was denied numberous times under hardship circumstances. I would like to entire loan to investigated due to preditory lending, truth n lending, Respa.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

On XXXX occasions on XX/XX/2021 and XXXX I sent certified mail a letter to Transunion, XXXX and XXXX. In the letter was a request to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 
I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section 609 ( a ) ( 1 ) ( A ) that you are required by federal law to verify and additionally I am to grant permission to post anything to my report which I did not. In XXXX I had my credit report frozen and they still didnt send any verifiable proof. It has been almost 9 months since my initial letter. 

This has hurt my ability to get credit. 

I said if they can not provide a copy of verifiable proof they must remove the accounts in question. They didnt not remove the accounts
Product: Consumer Loan

I called Overton Russell Doerr and Donovan because I received a letter that a judgment would be placed against me. when I called there company I was greeted with rudeness and utter disrespect. I was first told they would not speak to me with out a phone number, when I gave them my phone number they said it was unacceptable and they needed another, I tried to explain it was my only cell the rep refused to listen and kept claiming i was lying and it does n't seem like a real number so i asked to speak with a manager. When the manager came to the line she said the same that the number i provided sounded fake and that they were doing me a favor by trying to help and that they could just hang up and sue me. when I said caller ID would verify my phone number the manager then started to say i sound like Im on speaker phone and she would hang up immediately if she was, when i advised that she was n't, she said she better not be or she would hang up and forward my account, I told the manager that I just wanted the original bill because I had some discrepancy she stated that all I was doing is stalling and that " guys like you never want to pay there bill '' after that I was so upset I said just send me the bill and hung up the call.
Product: Credit reporting or other personal consumer reports

Hello 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. 
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  ( Original Creditor XXXX XXXX ) # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX The 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs 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.
Product: Debt collection

On XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX : Defenders Original Account : XXXX # XXXX They settled with me for XXXX and the original creditor came back and charged me again and put it back on my credit report. This is totally illegal and a violation of my rights. 
XXXX XXXX XXXX are crooks and shouldn't be in business.
Product: Credit reporting or other personal consumer reports

Throughout XXXX, I wrote to XXXX XXXX asking for the GAAP accounting entries, proof of equal consideration, as well as the Original Warranty Deed and Mortgage Title. 

The company continued to be non responsive. 

I have never had a contract with XXXX XXXX and they are operating in fraud. They claim to not be debt collector, however they are not an original creditor. 

This is impacting me from gaining housing presently. 

My files are in storage due to living in transitional veterans homeless housing and I do not have immediate access to all of the letters sent to XXXX XXXX that have been unanswered. 

I do not even own the property they are referring to.
Product: Checking or savings account

bank of america keeps over charging me for overdraft fees although i called them and told them im going through a divorce and XXXX  XXXX XXXX issues i got charged XXXX since XX/XX/XXXX alone although i told them to stop any automatic payments which they did not they told me they cant stop any transactions or stop the fees ..then they told me i can put money in the account before XXXX XXXX ET but when i put money in to try and cover some transactions they apply it towards large transactions and hold smaller ones and charge over draft on them. i tried to communicate with then they refusing to help they say im over my overdraft allowance .. im like yea because of my severe circumstances. in the past i may have over drafted like 1 or 2 times in my life but my XXXX XXXX XXXX XXXX and i dont qualify for state income help.
Product: Mortgage

I am attempting to refinance with another bank. Select Portfolio Servicing is not providing information related to the XXXX that we requested XXXX months ago. They are uncommunicative despite my and our new bank 's attorney 's many attempts to get an update. I believe that they are being deliberately withholding of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting AcXXXX 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 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 a account without my written instructions 15 U, S, C 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States that 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 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.

15 USC 1681a ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report. 

Also prove a monthly statement was provided at least 21 Days prior to the due date of the bill. I received no such bills at my home address and have never agreed to receiving exclusively digital communication as a means of being billed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 & XX/XX/2021 Someone fraudulently tried to purchase a vehicle with my information, I have already contacted all these of these company 's and they have said it is not there problem, and I need to take it up with the Credit Bureaus. I have tried writing letters to you guys and even spoke with the fraud department but still have these fraudulent inquires on my credit file. These inquires listed below are fraudulent and were not authorized by me and or tied to any open accounts on my credit report. 

Inquiry Date : 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 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 card

XX/XX/year> - I booked a vacation package at XXXX for 4 family members on my Capital One credit card. My sister ( onXXXX of the travelers ) XXXX XXXX, called XXXX to see if it was possible to change the airport she was flying out of to one closer to her home. XXXX sent her to the XXXX XXXX department where she was told that it would be cheaper/easier to cancel only her flight and keep the remaining tickets since the trip was within the cancellation window. She was told to expect the {$400.00} refund back to my original card within approximately 5 business days. 

XX/XX/year> - XXXX confirmed that her ticket was no longer showing up on the XXXX website and that the other three tickets had been moved to a new confirmation number ( XXXX  ). 

XX/XX/year> - The refund was never received. Called XXXX and was again transferred to the XXXX XXXX department. XXXX agent stated that the flight should have been charged for only the three tickets ( {$1200.00} ) and that she could see where the ticket for XXXX XXXX was cancelled. Told XXXX agent that the total package had been charged for the full amount ( flight & hotel {$3700.00} ). XXXX agent stated that she would make a note and asked if we could get copy of credit card bill showing full charge so she could submit it to accounting. Got a copy of the credit card charge and called back the same night. Spoke to a different XXXX agent who said he would forward the issue to their accounting department and that it should be resolved within 3 business days or so. 

XX/XX/year> - Refund still not received for {$400.00}. Put in a dispute with my Capital One credit card. Received call from Capital One and was told I may need to submit documents. 

XX/XX/year>- Capital One sent an update saying that documents were never received. Let them know I hadn't been told specific documents to send, but sent them a copy of XXXX confirming the ticket was cancelled. 
Called XXXX back and was told they couldn't refund until the dispute was closed. 

XX/XX/year> - dispute was closed against me and temporary credit was cleared from card. Called XXXX back to verify dispute was cleared and was told not on their side but it would be refunded soon. 

XX/XX/year> - refund still not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I have contacted the credit bureau 's to do an investigation on my findings and they do nothing i have sent letters to verify my information i am asking they haven't done nothing i have been waiting on a response. I need for this department to do a investigation into this matter enclosed i have attached two letters showing my proof that i need this information corrected on my credit report. Under
Product: Credit reporting, credit repair services, or other personal consumer reports

the company will not send the documents that have been requested in order to report accurate information on y credit report. I filed a complaint previously and assumed it was resolved when someone form Exeter Finance called and stated they would resend an email that would contain the full account history but that was never sent and I have waited at least two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continually request a valid signed and dated copy of permissible permission used to access my credit report in XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX ( XXXX  ). Both companies ignore, list request as duplicate, or reply with push of button with a programmed reply set up by it's management. I sympathize with employees that are treated like illiterate zombies for the sake of management for the sake of money. I have too much pride to be treated or to act like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with transunion to help correct my file.
Product: Credit card

I applied for a Business credit card XXXX months ago. Keep in mind that I have had a personal CC with them for many years. They have been stringing me along with verification. They say the docs are not legible. So I sent them a different form of ID and then they ask for something else like a bank statement or utility bill. Then something else. Then they go back and say they need my DL all over again which was fine the first time I sent it to them. It's total insanity and I have spent hours on phone. Plus you can not reach anyone because there is no direct line to verify they received your info. It's a minimum XXXX hour every attempt to reach anyone. I have faxed the info, mailed the info and I am already a client so they have my information on file anyway. 

I just talked with a lady today who said they need my tax forms which were faxed to them on XX/XX/XXXX. Note : I originally sent the taxes a month ago and they weren't signed. So they asked me to resend a signed copy. At that time they were OK with everything else required except the tax return. After faxing them my taxes AND everything again ( just in case ) now they are saying they received everything but my taxes??? 

They received one piece of info but not the other? That's hard to believe since it was all in ONE fax. So after another hour on the phone the lady tells me she needs a copy of my DL ( which I have sent XXXX - and they even said they have it on file ) and my taxes ( which I faxed with the utility bill they received on XX/XX/XXXX ). 

I ended the call with her but I forgot to ask a question. So I call right back and talk with a lady who tells me that the application is no longer valid and they will not reopen it. DECLINED. She transfers me to an application department where they can not help me and just want to take a new application. That has happened to me several times over this XXXX month process.
Product: Payday loan, title loan, or personal loan

My HVAC loan was transferred to Concord Servicing Corporation. I paid off the loan with XXXX electronic bank transfer checks on the same day with the same account # 's and same address. I was only credited with the first check. Subsequently, I started receiving calls and bills demanding immediate payment ( I never received any statements because they had an incorrect address listed ). I told them over and over again that this debt had been paid off. They demanded proof. I sent them my credit card statements. They said that was not sufficient ; they demanded a cancelled check which there wasn't one since it was an electronic check. The original checks were sent in XXXX and cashed XX/XX/XXXX. My credit score dropped XXXX points. They refused to talk to my bank XXXX XXXX XXXXXXXX XXXX XXXX so I finally got a copy of the cancelled electronic transfer check which I sent to them. Still they did not clear my account nor did they contact the credit bureaus to clear off my record. My business was denied a credit card because of this ; it has been an embarrassment to me because I pay my bills early and this has damaged my reputation. I contacted the XXXX XXXX XXXX and filed a complaint with them ; the company replied saying they finally " found '' my payment, were re-amortizing my loan and would take off any late payment fees. They would then figure out what the accrued interest that I still owed was and then send me a letter stating what that was. All I got was 2 more letters demanding payment. No apology has been offered. They also said they will notify the credit bureau the next time they run their files which won't be until XX/XX/XXXX but they certainly were quick to notify the credit bureaus that I was " seriously delinquent '' back in XXXX. I demand that this be fixed immediately, that I get an apology and that they close my account. No further payment will be forthcoming from me. They need to be fined for gross negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close XXXX XXXX XXXX {$0.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.XXXX}