23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We requested to have our Mortgage Insurance Premium ( MIP ) removed from the FHA loan on our condo in  XXXX   XXXX , RI in the first week of  XXXX   XXXX . The loan was originally signed in  XXXX   XXXX . Once we received confirmation over the phone, we sent in checks to the amount of {$7200.00} as requested to reach the 78 % required to have the MIP cancelled. The first response from RI housing we received after that was on  XXXX   XXXX  from  XXXX   XXXX , the Customer Service Escrow Supervisor. She stated in an email that the MI could not be removed at that time, but gave no explanation why. After multiple requests by phone and email to schedule an appointment,   XXXX    sent an email on  XXXX   XXXX  saying that the risk manager would be sending us a letter. Multiple times we conveyed our confusion to the response, as the regulations we had found confirmed our ability to cancel the MIP at our request once we met the standard guidelines. On  XXXX   XXXX , Risk Manager  XXXX   XXXX  sent a letter saying that the MIP would not be cancelled and did n't answer our questions regarding  12 USC 4209 ; the  federal guidelines toward cancelling MIP at the request of the borrower. On  XXXX   XXXX  we received a letter stating that we were defaulting on our mortgage due to lack of payment. This is objectively false, and due to the unnecessary delays by the office our payments were never documented. We have saved the email correspondence, have our bank statements, and will be counting all the phone calls we tried to reach R I Housing wit h. We stopped calling  XXXX  's office because our calls were never answered. We tried different phones within the office and asked to be connected in order to get through. We asked for what is rightly ours by the federal laws that protect borrowers. We have met all the criteria to have our premiums cancelled. The premiums RI housing continued to collect 30 days after our initial request should also be refunded to us as the borrower ( which is protected by federal law ). The letter stating default on the mortgage needs to be removed from record as it 's false and destructive for our credit. The office 's inability to offer an adequate customer service needs to be documented and has been proven to be detrimental to the clients they claim to serve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I I did not give TransUnion my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which permission to furnish this information onto constitutes as fraudulent activity and is also a serious breach of my privacy rights. To Whom it May Concern ; This is about the Consumer Credit Transaction initiated on date with your financial institution executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) The term document means any information in any form ''. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above definition Consumer Credit Transactions, without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated 3rd parties ( i.e TransUnion, XXXX, XXXX ) According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personal identifiable financial information Therefore, as per the literal interpretation, the organization name TransUnion XXXX and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization name TransUnion, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA the ( Fair Credit Report Act ). Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that is the Company wants to communicate other information amongst persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer should be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.
Product: Checking or savings account

I had a dispute with Wells Fargo that was for an amount around {$1100.00}, for some reason they only sent me a check for {$1.00}. A literal dollar even though the dispute was for around {$1100.00} and can not provide information over the phone to me, I need the rest of the money from the dispute.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry with Transunion that should not be tjere
Product: Student loan

I checked my account on the federal student aid website and found that I had a {$0.00} loan balance on XX/XX/2024. I then went on my loan servicer website, XXXX, and found that a payment was made on XX/XX/2024 for {$49000.00}. I was not informed of any transfer of my loans. On XX/XX/2024, XXXX weeks later, I got 2 letters in the mail from Mohela stating that they have taken over my student loans and that I now have 2 loans with them as they consolidated my federal student loans. I was given no warning that this was occurring. Therefore, my loans were transferred with no information of this being provided to me. I continue to have no emails from Mohela in regards to this situation. All loans have been removed from my credit report.
Product: Credit card

They are a horrible, unethical company that lies to you to avoid giving you your XXXX XXXXXXXX bonus miles!!! They said they mailed us the XXXX XXXX when they did not. Then they called us liars, though they are the ones who lied. Them lying caused us to lose our bonus. What a dishonest company. They use deceptive practices like promising you bonus miles if you open a credit card with them. Then, they dont give you the promotional details and you dont get the bonus. Horrible way to run a business!
Product: Student loan

I attempted to pay my loan through XXXX several times. It was sent on XX/XX/XXXX and XX/XX/XXXX to the po box provided by Heartland ECSI as they claim they do not accept electronic payments I have been trying to address this issue since XXXX. Customer service has shown extreme incompetence when handling this issue. They refuse to track the payment to see if it was erroneously applied to an incorrect account. In addition, it is impossible to even contact Customer Service as the wait time is over 2 hours and they never return a phone call. My credit has been affected and I just want it paid.
Product: Credit reporting or other personal consumer reports

I MADE SEVERAL DISPUTES/COMPLAINTS TO XXXX ABOUT INACCURATE AND UNFAIR REPORTING BY XXXX XXXXXXXX. I WAS NEVER INFORMED OF HOW THE INVESTIGATION WAS VERIFIED TO BE ACCURATE AND THE ITEMS DISPUTED WERE NEVER REMOVED!
Product: Credit reporting or other personal consumer reports

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
Product: Debt collection

I did not receive the letter from the debt collector until 3 days before I had to respond to dispute this debt of {$2100.00}. I feel this wrong and needed more time
Product: Credit card

Synchrony Bank has issued a credit card that resulted in hard inquiry into my credit record and subsequent reduction in my credit score, without my prior permission or authorization. I have never requested a new card and would have refused to have it issued had I known in advance. However no one ever asked. The Synchrony Bank just went ahead and did this on their own volition. 

The card does n't provide an option for the activation, nor does it provide a valid contact number. The number listed can not be reached, this bank is not XXXX member, and there is no way to contact them. Furthermore, I have never received any terms of using this card. 

Bottom line, I want this card canceled, I vigorously object to have my credit checked without my permission, and I do n't want to ever have this card, period!!!! I am very disappointed, I have worked hard to get my credit score to over XXXX and now it has taken a dip, thanks to the Synchrony bank. I deeply dislike this kind of practices. I DO N'T WANT TO EVER HAVE ANYTHING TO DO WITH THIS INSTITUTION!!!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXBalanced {$0.00}
Product: Debt collection

I did contact Portfolio Recovery in written to validate their claim/debt after they were listed as a debt collector on my credit file for the amount of {$380.00}. i did request that they produce valid Proofs of claim such as the following : What the money you say I owe is for. 
Explain and show me how you specifically calculated the entire amount of what you say I owe. 
Provide me with copies of any and all papers that show I agreed to pay what you say I owe to include original signatures. 
Identify the ORIGINAL creditor. 
Provide me with a copy of ANY judgment you say gives you the right to collect anything from me. 
I never receive any direct correspondence from them. After they receive my letter in XX/XX/XXXX, the collection account was removed by XX/XX/XXXX and, two weeks ago, I noticed the same account reappearance on my credit file even thought Portfolio Recovery have never answered my written request. 
anything from me. 
Certified mail tracking Number : XXXX
Product: Checking or savings account

I own a company and have 1 new employee and 1 old employee that have the same name in our payroll system. 

On XX/XX/2023 we accidently submitted a ACH to the wrong person ( old employee ) for {$2000.00}. 

We contacted the old employee about the error and they told us the account we sent the money to was closed yet he still had access to view it. He verified the {$2000.00} deposit was added even though the account was closed. 

We contacted our XXXX XXXXXXXX and filed out the form to reverse the {$2000.00} on XX/XX/2023. 

On XX/XX/2023 WESBANCO denied the reversal due to the " account being closed '' which actually seems for an perfect reason to process a reversal as it was an obvious error. 

We contracted his Bank WESBANCO on XX/XX/2023 and they denied talking to us about why they denied our reversal. 

We then conacted WESBANCO Bank XX/XX/2023 with the old employee on the line and they told us they were returning it in XXXX to 5 days. 

XX/XX/2023 we contacted WESBANCO on why it wasn't returned and they said they were keeping the XXXX for themselves. 

WESBANCO is attempting to use an ACH error to a closed account the keep funds knowing its a fraudent practice.
Product: Bank account or service

We 're a XXXX based in XXXX XXXX. We recently purchased some custom glass from a vendor in XXXX. When the items arrived to our customers location we noticed they were all broken and could not be installed. We immediately contacted the vendor and provided them with videos and pictures of the damaged goods. The vendor at not point in time tried to correct the problem or issue us a refund. Instead they tried placing the blame on the shipping carrier ( XXXX ). At no point in time did our company make any arrangement with XXXX. All our communication was with the vendor directly. XXXX however did come to the site were the glass was delivered and confirmed that glass was indeed broken and could not be used. At that point in time XXXX decided to pay out the claim directly to XXXX XXXX. Unfortunately XXXX XXXX insured their package incorrectly as you will see in the emails attached. They were supposed to have insured the package for {$25.00} per pound but only did {$2.00} This only allowed XXXX to payout {$2.00} for the claim which is clearly not enough to cover our damages. All this information was passed on to our bank CHASE/VISA. They stated to us that they would open a claim and try and collect the funds back for us. A couple of months into the dispute process were contacted by CHASE and informed that we had won the arbitration and that the temporary credit would not be permanent. Fast forward a month or so later and CHASE has now taken the money out of our account. Now all of a sudden they 're telling us that we lost the claim in arbitration and that they provided us the incorrect information. We can not see how it is possible to have lost this claim when both the XXXX XXXX and XXXX have confirmed via email that the glass was indeed broken. We really need your assistance in this matter. 

Thank You
Product: Debt collection

IC Systems has reported inaccurate information to the three major credit bureaus. This collection account continues to surface from different companies over the last 13 years. The alleged debt is barred from statue of limitations and just the fact it is not owed. They can not provide any legal documents that supports any liability and has caused financial hardship and has been detrimental to my credit and has cause decrease in credit scores and denial from a real estate transaction.
Product: Debt collection

I received a letter and an attempt to collect a debt I do not own. Key Bank has sold this debt ( they actually created ) to XXXX XXXX XXXX and this debt was never mine. Key Bank has sent a letter acknowledging this, see attached. 

Please see CFPB reports : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response from your company. In regards to my original dispute. In where your company has responded that the account was verified. I sent a follow up letter which lawfully should have been responded within 15 days. That was not the case, instead I received a template letter from your company lacking all of the crucial information I requested from you. Please note, we are preparing legal action against those involved in the illegal reporting of false accounts. We request that you send the evidence requested in our previous 2 correspondence plus the following in order to help us build our case against the false reporting culprits whether it be the bureaus or furnishers.

Original signed contract ( Bearing My Signature ) Proof of ownership, the furnishers proof of ownership documents List of all names at your company who were involved in this investigation A clear and detailed explanation of what you have done in regards to my account from the moment the original dispute was filed. 
Please note the intent of this letter is not to intimidate any person or company. But I have been intimidated by the actions your company has taken against me and the way this investigation is being handled. Your actions behind a computer screen have real life consequences. I am unable to gain new credit and am forced to pay higher rates on just about everything because of the information being reported through your company. 
Please provide all of the above evidence required or immediately delete these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Today, I tried to sign up for a free Credit Karma account. I put in my email address and password, and other identifying information. I received a message that further verification is needed. I requested a call to my landline. The call never came. I requested again. The call never came. So then I requested to submit identifying documents. The site told me to go to the documents page and enter a code. I went to the documents page, but there was no place to enter the code. I received an email that told me I could enter my account, but when I tried I received error messages. I can't contact the help desk because there isn't a phone number. In order to contact the help desk, I have to be able to log into my account, which I can not do because the call never came and the documents requesting page doesn't work. I even entered my whole social security number at one point, but I received an error message again.
Product: Mortgage

Received a letter from Freedom Mortgage for rate reduction ( IRRRL ) on my VA loan. Since I had been out of work due to illness for 2 years I needed to reduce my loan which I never missed or was late on. I submitted this on XX/XX/XXXX and was told it would take about 10 days but before my XXXX payment and would skip XXXX. After not hearing from them I started to email and call ( I have a log too long to post ) of unanswered and empty promises of staying in touch it was still me chasing them down. I continued to make all payments. Loan advisor never responded to one email. I had been promised by supervisors they would get back to me and not one ever did. I had this escalated to managers that also never followed up. Each conversation I explained that I had XXXX and other medical issues and this stress was not helping. Loan processing said that they were having problems with my HELOC lender ( I called XXXX XXXX XXXX XXXX who is my Credit Union ) and they told me that they had never received any request of subornation or communication in XXXX from Freedom Mortgage. I arranged a 3 way conversation with us all and Freedom Mortgage was given an email to send documents and it would be taken care of. Still it wasn't. In XXXX XXXX XXXX received in the mail the request and sent it back at once. I requested a lower rate since the rates had dropped so much and was told it would cost me more money to have it lowered. Still no response from the original loan agent and I continued to fight with them until I was so sick I ended up in the hospital for a week in XXXX. The loan agent should have his license suspended for misrepresentation and Freedom Mortgage should be held accountable for misrepresentation as well. Taking advantage of veterans and lying to consumers should be in my opinion false advertising. This company is a fraud. I am in the process of doing this now with XXXX XXXX and being taken care of but it is costing me additional money I want recouped. Freedom Mortgage called me while I was in the hospital around XX/XX/XXXX saying the documents are ready to sign but still not reducing the rate and offered a price match guarantee. I refused to continue to give this company a dime. They should be held accountable for their empty promises and for lying to consumers. The stress of this transaction is not worth the {$300.00} dollar a month savings nor would I ever do business with them. Please help others from this. If this happened to me it is happening to other veterans and FHA holders. This company should pay. I am too angry now and stressed for nothing. I am now out of the hospital and recovering at home. I will get my loan reduction by costing me an additional {$6000.00}. but I will not have to deal with this type of a company. Shame on them. Ignoring and lying to consumers is fraud in my book. All their calls are recorded and I have asked them to review and to respond but nothing happened. They still are sending these rate reduction letters to thousands of consumers daily.
Product: Debt collection

This company is attempting to collect on a debt that expired on XX/XX/year>. They continue to verify this debt whenever I dispute it on my XXXX credit report. They have reposted this on my credit report without any notification as well. I've included my credit report for evidence. 

Please Delete Collection Account : NATIONAL CREDIT SYSTEMS XXXX. Because it was scheduled to be removed from my credit file in XX/XX/year>. 
Dear ( NATIONAL CREDIT SYSTEMS ) : This letter is in response to your letter verifying my debt on XXXX ( copy enclosed ) or concerning the collection of the above referenced ( NATIONAL CREDIT SYSTEMS XXXX ). 
I do not believe I owe this debt and therefore dispute this account. I am aware of my rights under the Fair Debt Collection Practices Ace ( FDCPA ) and Arkansas state laws. Therefore, I have verified through my states Attorney General that the Statute of Limitations for enforcing this type of debt through the courts in Arkansas has expired. If you intend to take this issue to court, I intend to inform the court of my dispute of this debt and that the Statute of Limitations has expired.

This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws. 
Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. I will immediately report any violations to the proper authorities and take whatever legal action is necessary to stop this contact. 
XXXX XXXX
Product: Credit card or prepaid card

I purchased a XXXX brand dryer from Lowe 's and it was delivered on XX/XX/XXXX. The sensors are damaged and when I tried to dry a load of towels, the sensors left the towels wet after 40 minutes. I then had to dry them again on high for an hour before they were completely dry. I called Lowes and they refused to help me, even thought i had the dryer for less than 30 days, and directed me to the manufacturer. This is a brand new dryer that hasn't worked from the first day they installed it. I have been emailing the manufacturer and they kept promising to send someone out to look at the dryer but no one has showed up. On XX/XX/2023, I disputed the charge on Lowe 's credit card carrier, Synchrony Bank. They agreed that the dryer charge should be disputed based on the fact that the dryer hasn't worked since it was installed by Lowes. Synchrony Bank kept the dispute open and kept saying they had " 60 days '' to resolve this dispute but refused to give me a resolution date. On XX/XX/XXXX, I contacted them through the message portal and said by law they had 90 days from XX/XX/XXXX to close the dispute. Today I received a letter from Synchrony Bank saying they closed the dispute because " the dryer had been delivered ''. I called Synchrony Bank and they reopened the dispute based on the evidence I sent them and I guess we start all over now and it's 90 days from today? Lowe 's refuses to come and pick up the dryer, XXXX won't stand behind their warranty, and now they closed the dispute and made me reopen it to purposed push the date out further. I have a feeling this is a sneaky tactic they do to push it out beyond the warranty date. I have attached the email string with the manufacturer showing the case number and promising to send someone to look at the dryer. I've also attached the message string from Synchrony, and finally I've attached the letter I just received stating they are closing the dispute because the dryer was delivered.