23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For the past three years I have been calling the bank about my monthly PMI/ MIP ( Private Mortgage Insurance/ Mortgage Insurance Premium ) because it hasn't been coming down. They told me the monthly PMI/MIP is for the entire life of the loan. I have never missed a single payment, and in fact have paid more towards principal when possible. My principal balance is extremely close to falling to 80 % of the original value of my home/original loan amount. ( 79.5 % ) As an additional testament to my responsibility, another mortgage company XXXX XXXX XXXX XXXX ) cancelled my PMI entirely before I even reached 80 % principal to loan value. 

M & T Bank has a poor track record with disclosing fees to their customers. I just received a settlement check ( ~ {$40.00} ) as part of a class-action lawsuit where they charged " pay-by-phone '' fees. Many customers were part of the class-action lawsuit.
Product: Mortgage

My wife and I have been trying to work with our lender, Truist, to place our mortgage account in forbearance due to COVID, using the provisions of the CARES act. I initially spoke to the bank in XXXX and indicated we we're experiencing a financial hardship directly related to COVID. At that time, the bank should have informed me of the provisions of the CARES Act and that they could place our account in a forbearance status for 180 days. However, this did not happen ; we waited approximately a month to request a forbearance, and the bank indicated they we're going to send us paperwork to complete. Upon receipt of the paperwork, we determined the bank was interested in pursuing a loan modification, which would result in additional fees. 
In an attempt to mitigate these circumstances, my wife attempted to discuss this matter with the bank, and their response was that once the paperwork was received, a loan specialist would reach out to discuss next steps. All through out this process, the bank was never interested in " offering '' the terms of the CARES Act, and was simply trying to use their position of power to push their agenda. 
The issue was finally resolved when I called the bank and told them we qualified for a CARES Act forbearance. However, they still tried to push their agenda by indicating the forbearance would only be for 90 days, despite the Act indicating an initial period of 180 days, and that after the forbearance period ended we would be required to pay the entire sum accrued during the forbearance period. This is also patently false since our mortgage is backed by the VA, and due to this fact, we would not be required to pay a balloon payment upon the end of the forbearance period. 
The bottom line is that the bank was only interested in pursuing the best route for them, and not advising us of all applicable remedies available under the law. I shudder in thinking how many other veterans have been taken advantage of through no fault of their own. 
Lastly, I will be communicating this, apparent, complete lack of integrity on the part of the bank with my Congressman. Taking advantage of families during this current period is both shameful and borderline illegal. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This company called and without taking any security measures regarding my private information, spoke with someone other than myself about very detailed medical information from several hospital visits. It is also my understanding that this collection agency has full access to the local hospital 's database for purposes other than collecting past due medical bills. When asked to verify debt, the company mailed screenshots of my medical charts from the hospital 's database which was obtained by the debt collector having log in access to patient records. This information was also disclosed to me during a meeting with one of the customer service representatives at the hospital being referred to.
Product: Checking or savings account

I received a check in the amount of {$48000.00} and l had another check for {$5.00} to deposit into my checking account with Wells Fargo Bank which I have been a customer since 1983. But I was given two choices on the day l of the deposit, the would place a 12 day hold on the and give me {$220.00} or give me my checks back to me all because their system said that in the past six months l have zero balance. And they need proof of funds. I told them that it doesn't take 12 days to get proof of funds. Wells Fargo called the Bank not the and the company the sent me check for proof of funds and when I told that to one of the Banker at Wells Fargo his answer was, " on hold. '' Four weeks ( prior weeks ) all l had to live off was the {$220.00}, as a XXXX XXXX XXXX XXXX senior citizen in rural South Carolina miles away from any stores.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received an alert from XXXX XXXX about an inquiry from XXXX XXXX XXXX in my Equifax credit report. I had not requested services from them as I work for their biggest competitor & receive all needed services from my employer. I contacted both Equifax & XXXX XXXX XXXX about the matter as I did not request services. I was unsuccessful in getting Equifax however XXXX XXXX XXXX did investigate the matter found it fraudulent, gave me a reference number to account for the fraudulent inquiry ( found that my name & SS # had been used by a possible former family member without authorization or knowledge ) and submitted written documentation to the affect. I then requested for the information to be removed from Equifax both as an online dispute on XX/XX/XXXX & XX/XX/XXXX as well as a phone call on XX/XX/XXXX to which Equifax refused to remove the inquiry despite XXXX  XXXX XXXX sending written statements to the fraud.
Product: Credit card or prepaid card

After 13 years of card membership and no significant issues, and without warning, Discover Card chose to close my account on XX/XX/2018, exactly 1 month after increasing my credit line by 40 % ( from {$1500.00} to {$2100.00} ) on XX/XX/2018 -- following a review where they stated : 1. " Congratulations! Due to your overall excellent credit management, we've increased your credit line to {$2100.00}, of which {$1200.00} is available as cash. Your new credit line is now active to give you more purchasing power and flexibility when you need it. '' 2. Why did I receive a credit line increase? " To recognize the responsible credit management you have demonstrated over the years, we have increased your credit line. '' 3. Did Discover pull my credit report to make this decision? " Discover receives a copy of your credit report each month for maintenance using soft inquiries, meaning there is no impact to your credit. This information was used in making the decision to increase your credit line. '' Nothing changed on my credit profile or report, the account was in good standing, paid on time with had no recent late payments, and had a balance of {$0.00}. My credit score remains " good. '' Either their processes and procedures are inconsistent, undefined, or they are completely incompetent.
Product: Bank account or service

I had a checking and savings account with M & T bank in XXXX. My account experienced some overdraft due to how M & T was posting ACH 's and due an unauthorized merchant charge in which an investigation was launched and M & T was sent correspondence that the charge was in fact not authorized by me. I have tried on multiple occasions to no avail to rectify this negative balance M & T says I owe to them of {$230.00} in overdraft fees. They have told me that there is nothing they can do I have to pay the money. I do n't owe this money no XXXX will help they will not allow me to speak to a manager. I need assistance in getting this account cleared. I received a refund check from M & T bank last year for another account due to a lawsuit so I do n't understand why they would issue me a refund but will not handle the issues with this account. Its very unsettling that no one at M & T will do anything to help me and they have acknowledged on several occasions that they received the correspondence from the merchant and that at the time the way my items were being posted was incorrect. Its just ridiculous how much the ball has been dropped on my account even at the branch I went to see a branch manager in XXXX XXXX, MD and she was going to work on this for me and never got back to me I called her for weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask you to do an investigation to the Experian credit company, I have been disputing the erroneous information that they are publicly exposing in a credit report for more than a year, and previously you asked them to demonstrate the reason for this information and they have not presented any legal document that supports this erroneous information. 
I have not authorized this company to disseminate, expose, publish or give my information to anyone, there is no legal document that I have signed between them and myself, so I do not see why they can disseminate my personal wrong information where my record, reputation, and prestige are damaged, where there is a law that can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal, so I demand that this dispute for account information from XX/XX/XXXX-XX/XX/XXXX Child Support, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. 
XXXX has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. Have an information inaccurate or incomplete items in a credit history have serious consequences. They do not value the repercussion that brings a disinformation that destroys the prestige of a person, they do not give me work or monetary loans for this error that they are discarding.
Product: Credit card or prepaid card

On the morning of XX/XX/XXXX, noticed an {$87.00} charge. My payroll check was deposited at XXXX. At XXXX XXXX, the funds were withdrawn from my account. Below is the message received to my email. ( {$360.00} available after {$87.00} purchase at XXXX XXXX XXXX on XX/XX/XXXX XXXX CT with your NetSpend card ending in XXXX. ) I have never purchased anything from them, and it is not a recurring charge. Nonetheless, I had disputed this on the XX/XX/XXXX and was told I had a XXXX business days wait. On the day in question, I spoke with XXXX, who I asked not to block the card until I went and withdrew my paycheck from my Netspend card. When I got to the bank the card had been closed. <P/>I received my card XXXX days, only to find out that XXXX ( who took initial complaint ) never followed up and began the dispute of fraud that took place on XXXX XXXX 2017. Understand my frustration, waiting additional days for my card. I had to borrow money from family to pay bills and get gas for my car. I called and explained myself several times, and after not getting anywhere, I requested to speak with a supervisor. The customer service rep assured me I would on hold 1-5 minutes. Forty-two minutes later, CJ a supervisor gets on the phone and apologizes for the delay. <P/>In the interim, I called from my daughters phone, after waiting 35 minutes on my phone to see how soon I would get a supervisor. I waited less than 15 minutes. I spoke with XXXX, who I explained my frustration with XXXX and the other customer service rep by the name of XXXX or XXXX, but I can recall he had me on hold for forty-two minutes! Finally, got XXXX who was cooperative, and listened to my frustration of having to wait that amount of time, but when I was informed I had an additional XXXX MORE DAYS to wait for my monies, I was more upset and asked if it can be expedited since XXXX did not follow through from the first day it was reported! Was informed a {$25.00} shipping would need to be paid. I opted out. On XXXX XXXX, 2017 I received an email on Netspend site to my account, stating " based on the information we had and the facts of our investigation, we do not find that an error has occurred, no funds will be credited to your acccount as a result of this claim, and this matter is considered closed. '' Also offers any documents that were utilized to determine decision. I requested and am still waiting. <P/>I work part time, due to my XXXX XXXX, unable to work full time. As I said, I have never received anything from this company and was not provided any proof of any order to my home. After waiting several days, I was told that after they conducted their investigation, and was not receiving any refund. I never saw any paperwork or ordered anything. I usually purchase at a vitamin store or XXXX. <P/>Thank you for your attention to this matter. <P/>Sincerely, XXXX XXXX
Product: Credit card

I always pay my credit card bill early way before the due dates. I am a XXXX  XXXX  on a fixed income. Because I payed early..before the closing date..which I didn't know..now I do I got charged a late fee. The company will not reverse late fee charges. I feel totally violated and scammed that I am being charged with fees!! for never missing a payment and paying early on my bill.And having the credit card company unwilling to work with me and be understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry from XXXX XXXX  on my Trans Union report. Trans Union was notified of this and has not taken any steps to correct the issue. I've attempted to contact XXXX XXXX but they directed me back to Trans Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Report is showing hard credit pull from XXXX XXXX XXXX XXXX on XX/XX/XXXX with following details : XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX. 

XXXX, IL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online I have called the number listed, there is no option to speak to anyone without a current credit card number which I do not have. I also tried several of the numbers available on their website XXXX XXXX XXXX including XXXX, XXXX and the " chat with representative '' option. 

The Chat option gives me this error, XXXX XXXX XXXX Due to extremely high volume we've temporarily disabled our CHAT service. Please contact us at XXXX with a brief description of your inquiry and we'll contact you. Please include your full name and best contact number. We apologize for the inconvenience and appreciate your patience. Thank you and be safe, XXXX XXXX And I have found no way to speak to anyone about disputing the hard credit pull, or understanding why it is appearing on my Experian Credit Report. 

When calling the customer service number at XXXX it takes me to represenatives of another service providing offering lending to 1,200 banks but I don't remember the name of that company. They had no record of me or the credit application by my social, name, dob, phone number, etc. 

What is a person supposed to do to get this corrected if all the contact information does not lead to someone who can assist? Feels very back-alley to me and now the hard credit pull remains on my credit for two years ... totally unbelievable.
Product: Credit reporting

I have submitted items that were fraudulent and Experian refuses to investigate.
Product: Credit reporting

XXXX XXXX INQUIRY WAS PLACED ON MY CREDIT REPORTS. XXXX XXXX SENT ME A LETTER STATING THEY WILL REMOVE THE INQUIRY BUT STILL NOT REMOVED FROM MY CREDIT REPORTS OF XXXX XXXX, EQUIFAX XXXX REPORTS
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX- Has violated my rights XXXX XXXX XXXX - Has violated my rights XXXX XXXX XXXX XXXX - Has violated my rights XXXX XXXX XXXX XXXX XXXXHas violated my rights XXXX XXXX XXXX XXXX XXXX - Has violated my rights XXXX  XXXX XXXX - Date Opened : XX/XX/XXXX -Has violated my rights XXXX  XXXX XXXX - Date Opened : XX/XX/XXXX - Has violated my rights XXXX  XXXX XXXX - Date Opened XX/XX/XXXX - Has violated my rights XXXX XXXX XXXX - Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX XXXX XX/XX/XXXX Has violated my rights XXXX  XX/XX/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 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: Credit card or prepaid card

My credit limit was reduced with out any notice or reason, I have made all my payments on time. 

The reduction in the credit amount cause a direct impact on my credit score Historically the monthly interest charge is {$27.00} however on XX/XX/2021 I was charged {$170.00} in interest fees alone. 

I have tried tirelessly to speak to a representative for over a week to discuss my concerns One time I was on hold for over an hour no one ever picked up I have sent multiple emails, with no reply. I have not been able to communicate over the phone or by email.
Product: Checking or savings account

After nearly 100 days of closing my checking account with XXXX Bank, they claim that they do not possess the funds owed to me, suggesting that Everbank should initiate the transaction as they have received the Hold Harmless Agreement. I contacted Everbank, and they insistently deny owing me funds. It appears that both institutions are pointing fingers regarding the whereabouts of my money, totaling {$5000.00}, prior to closure. Please refer to the attached document released by XXXX Bank. This is my hard-earned money, and there has been no fraudulent activity. I have complied with all necessary documentation required by XXXX Bank, and today, XX/XX/XXXX, the XXXX XXXX XXXX XXXX informed me that they will no longer assist me in my case, emphasizing that Everbank should release my funds and communicate with them to help me, which I have done to no avail. Everbank maintains that they do not owe me funds. I have been waiting for my funds to be returned to me since XX/XX/year>. Can you please assist me in initiating an investigation to ensure that I am treated fairly?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to correct/resolve inaccuracies and misinformation reported by a creditor to the bureaus regarding my account. The misinformation reported to/by the bureaus have gravely impacted my personal finances and also requires me to certify false information in order to access my personal credit reports/profile. As of XXXX & XX/XX/2022, I have provided numerous documents from the creditor regarding my full account details/summary and side-by-side credit reports displaying the inconsistent/inaccurate reporting from the creditor across all bureaus. After submitting my supporting documents and statements, Equifax certified that the information provided to them by XXXX is accurate which is not true! In accordance with the FCRA, the account listed below has violated my federally protected consumer rights for fair and accurate reporting under 15 USC 1681 : 15 USC 1681 - section 602 ( a ) ( 4 ) - states that consumer reporting agencies need to insure that they exercise fairness, impartiality, and a respect for the consumer 's rights to privacy. 15 USC 1681 - section 611 ( a ) ( 1 ) ( A ) - states that if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, the agency shall conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, OR DELETE the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 15 USC 1681 - section 623 ( a ) ( 1 ) ( A ) - states that a person shall not furnish any information in relation to a consumer to any consumer reporting agency if the person/company knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 - section 623 ( a ) ( 1 ) ( B ) ( ii ) - states that a person shall NOT furnish information relating to a consumer to any consumer reporting agency IF : the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violate my rights.15 USC 1681section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated a consumer reporting agency can not furnish a 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I notice that their was inaccurate information reporting to my credit report as of names, address, collection accounts that I had no knowledge of .I sent in the company enough information supporting my disputes as well as I kindly ask them to please investigate this matter and remove it from my credit report as I reviewed my report again I notice the inaccurate information is still reporting. I've also filed a XXXX report regarding this inaccurate information names reporting XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Addresses reporting XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Accounts affected by crime XXXX XXXX XXXXXXXX Account # XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX # XXXX Amount {$7900.00} XXXX XXXX XXXX Account  # XXXX Amount {$3600.00} XXXX XXXX Account  # XXXX Amount {$60.00} XXXX XXXX XXXX XXXX  Account # XXXX {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I have settled and closed this account. I closed and paid in full of this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. The closed account was falsely or mistakenly re-billed. Due to Covid-19 Pandemic i am unable to pay for unauthorized re-bill that was mistakenly reporting by the bank institution.