23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was assumed by M & T Bank. I went from paying about {$560.00} with my previous mortgage company or so to over {$1000.00}. When asked why the increase I was told that my escrow balance was in the negative. I paid what I was supposed to pay. I lost my job and asked about modifying my escrow payments until I was able to find employment. I also asked for any programs that they provided to help. I was told I could not get help until I was late. Of course, I end up paying late due to no job and their advice. Then I'm told I'm not behind enough to get help. So now I'm trying to catch up. Well I go to make a payment and I'm locked out of my account. I try to call I can't get anyone on the phone. When I was able to get someone on the phone 2 days later this posted as another late payment to my credit. For the past 4 months I've called and asked them to not lock my account so that I can make payments as necessary. I work the same hours as them an need flexibility in making my payments. I spoke to someone about help ( now that I'm almost 3 months behind ) and they are supposed to send something. Then i was told i had to make XXXX payments instead of the XXXX that i was able to make. I still haven't received it. The principal on my mortgage is {$160.00} and my mortgage payments are about {$1000.00} ( or so ). Why is {$650.00} going to escrow?!! {$200.00} is going to interest. I'm paying more in both interest and escrow then is even going to my mortgage. Especially without notification or explanation that was going to be a change. I feel as though they were giving me bad advice and increasing my rates to make me loose my home. I got approved off of a job making $ XXXX. They were not willing to even set up a plan to pay off any negative escrow balances ( to was due to no fault of my own. ). To block me from making payments so that I can get caught up and to not even offer XXXX service for those with alternate schedules if online is not available. My credit has gone from the mid XXXX 's to the XXXX 's all from following the advice from a company that is supposed to be helping companies not setting them up for foreclosure and financial ruin. This is sad!
Product: Credit card or prepaid card

hi On XX/XX/XXXX, when I checked my XXXX account, I see that there are XXXX charges each for XXXX usd to a company called XXXX, to which I did not make that purchase and I do not know which company the credit company is, first I remove the charges and then He put them back in my account alleging my responsibility later I contacted them and they told me to make a report to the police and so I did but later they put the charges back in my account and time has passed the charges are XXXX for the same company XXXX more for that company XXXX more for that company and XXXX as a gif as if I had so much money, that is, a total of XXXX usd I know and I am sure that I have not made that purchase I am retired and my withdrawal is XXXX usd and I can not afford to incur that type of expense. I would never want them to help me with legal advice since I can not afford a lawyer to resolve this case. 
waiting for your help XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am working with a financial and housing counselor who is writing this on my behalf as I am XXXX XXXX  and only had this phone service for XXXX for two weeks. I am not aware of a verbal or written contract that was placed for the account and am asking that any concessions that can be made on my behalf due to any continuous billing be considered forgiven or waived. <P/>I am willing to pay for the service for the two weeks of my usage but beyond that I am not willing to pay. <P/>I had no way to contact XXXX after having their service terminated as I never received any further bills or statements. I have returned their equipment and am requesting that I only be charged for the 1 month of service I had and any additional billing be waived as this account has been sent to collection for XXXX and originally the service was quoted to me at XXXX/month. <P/>I reached out to them with a financial counselor on XX/XX/XXXX after still receiving collection acct notices to try to make the debt solvent and was put on hold for over an hour and a half. I was denied any ability to have any additional billing waived as they forwarded me to 4 different areas and stated I would have to pay the above mentioned amount that had been sent to collections because the acct was closed even though this was months after I had turned the service off.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received a text message from Citibank saying a XXXX payment of {$2000.00} was being processed, immediately I contacted Citibank to explain that this was fraud and request they retract or block this payment and block my acckunt from further payments using XXXX. 

While talking to the Citibank rep. Another transaction of {$500.00} was made using XXXX to the same recipient. 

After hours of phone calls and countless promises from Citibank reps. That I would get my money back, they have DENIED my case and claim the transactions where not FRAUD. 

They have informed me that they have NOT contacted the recipient nor verified any details of how the transaction was made. Ie. No ip address check. 

I was told by Citibank to contact XXXX whom in turn told me to contact Citibank. I'd like to restate for clarity I DID NOT AUTHORIZE THESE PAYMENTS not did i ever send money to this recipient. 

I am at a loss to understand how money can be removed from my bank account woth absolutely now verification from me, and how this can be done when I call them immediately to STOP the transaction. 

I believe I my money should be returned and some type of security procedure implemented so others shouldn't suffer the way I have. 

Additionally a financial institution should not have the right to allow a non FDIC insured institution to be incloded in the mobile application.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  with Account # 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
Product: Mortgage

Structure of my home loan : I have an XXXX loan with Nation Star Mortgage. Basically 80 % of my home loan gets taken out of XXXX loan and 20 % gets taken from another loan. Insurance and taxes are paid out of my 80 % loan ... .never my 20 % loan ... .I do n't even have access online to pay escrow on my 20 % loan if I wanted to ... keep this in mind when reading below. 

Around XX/XX/XXXX, I received a check from my home insurance company in the amount of {$1400.00}. The insurance company stated my mortgage company XXXX Nation Star Mortgage XXXX paid the insurance twice. I called my mortgage company and told them that the insurance was paid twice and asked what I needed to do with the check. Nation Star Mortgage said I had enough funds in my escrow and did n't need to send the check back. I was advised that, just to be safe, to send {$200.00} which I did in XX/XX/XXXX 

Now it is XX/XX/XXXX. In the beginning XX/XX/XXXX, I sent over {$8400.00} to pay off my 20 % LOAN with Nation Star Mortgage. A few days later, I realized I had a {$12.00} balance so I sent {$20.00} more to close it out. A few days later I noticed the account was still not closed so I called Nation Star Mortgage. Nation Star Mortgage explained that I had an Escrow balance of around {$1400.00}. Basically, after numerous phone calls and time, I found out that when the mortgage company paid my insurance twice back XX/XX/XXXX, they paid it once from the 80 % loan and once from the 20 % loan. I have called Nation Star Mortgage numerous times to discuss their mistake and all they tell me is that I need to send the check to pay off the escrow. This is not right because I was told by a Nation Star Mortgage employee XX/XX/XXXX that I did not have to send the check in. Her notes are documented in the Nation Star Mortgage database. This has been confirmed by another employee I spoke to. Also, why did n't Nation Star Mortgage realize they paid the insurance from the wrong loan and fix the issue or contact me??? When making my online payments for my 20 % loan since XX/XX/XXXX, nothing was ever shown stating that I had an escrow balance. I am currently working with another Nation Star employee who states that the best they can do is move the escrow balance on the 20 % loan to the 80 % loan. It has been over two weeks already since she last told me this and nothing is happening. I would like for Nation Star Mortgage to pay for the escrow balance on the 20 % LOAN since it was their mistake. They took it out of the 20 % loan which was a mistake and they told me I did n't have to send it back which was false. A financial company can not make these types of mistakes and expect the customer to pay for them. This is not right.
Product: Debt collection

I receive 4-6 calls a day from this company, the first time I answered the phone to ask them to validate the debt is mine the collector asked you are XXXX XXXX? this is your debt! if you do not pay we have means to sue you after that I never answered another call. I blocked one number and I have now been contacted by 2 more. I dont like to be threatened or harrassed when all I was doing was exercising my right to prove that this debt is mine!
Product: Credit card

On XX/XX/18 I had a couch delivered that was damaged but didn't know until after delivery was made. The very same day I went to store I bought it and told them. They initiated a ticket to have a technician come to the house. A month later still broken couch so I initiated a dispute with Diacover card for a product that was not as promised. Discover started an investigation. Meanwhile I was told by the company XXXX XXXX I could not return the item but only exchange it. Technician finally came and couch not repairable. I did not want an exchange as I didn't want the couch in chance it would be damaged again. They offered me a reselection. I went to the store to find something. I couldn't find anything else so I called the company again and told them. XXXX XXXX said too bad basically and I had no other choice. I called Discover to let them know. Then a day later I found an item online I was willing to settle for. I called XXXX XXXX and no call back. I called again the next day and no call back. I finally got a hold of someone else only to be told I can't exchange or reselect anymore. It was closed. I contacted discover and they assured me the case I had was still open. I got the resolve back and they sided in favor with the merchant so now I have a {$2000.00} broken couch and no ability to return, exchange or reselect something else. Discover just told me I had to resolve it with other merchant and XXXX XXXX refuses to do so. Discovers policy is clear it says a dispute can be done if a product or service was not as promised. XXXX XXXX admitted the couch is not repairable but Discover still sided on their behalf. Meanwhile it has been XXXX  months with a broken couch in our home. Please help me resolve this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported on XX/XX/XXXX to XXXX, that a student loan in the amount of {$31000.00} was paid off in XX/XX/XXXX. The debt was owned by GRANITE STATE MANAGEMENT RESOURCES ( GSMR ) I provided documentation to XXXX  that the debt was paid off. 
XXXX  reported that GRANITE STATE certified the debt as current. 
The document provided from Granite State clearly shows the account is at a XXXX  balance.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I sent a request for an investigation under XXXX XXXX ( a ) to you in reference to the following account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my XXXX XXXX is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within XXXX  days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Vehicle loan or lease

Hi my name is XXXX XXXX, i buy a car on XX/XX/2019 my car cost was XXXX XXXX, my monthly payments to TD bank auto finance is XXXX, about XXXX XXXX at XXXX XXXX i loss my car, a lot off people loss their cars there i have video and picture about that, the insurance company ( XXXX ) say my car in 2 year are depreciated to XXXX, but the pay off is XXXX, The bank say it my responsibility pay my debit or difference like XXXX thas not correct, The insurance company wants clean her own hands and send me a XXXX dollar, they send my a document where they tell me i will receive a check and it my responsibility convey with the bank the difference, what is a mean, i think thats is unfair, pay for something i loss, was not my fault.
Product: Credit reporting or other personal consumer reports

I have made several attempts to TransUninon to unfreeze my credit report and to fix some errors on my credit report and their website won't let me lift a freeze on my credit report or even to dispute any of the issues.
Product: Student loan

My daughter - XXXX XXXX XXXX - took out XXXX {$30000.00} loans. I co-signed a XXXX for XXXX of those loans. The college is XXXX XXXX XXXX XXXX and XXXX. The loan servicer is Navient, the former XXXX XXXX. Navient calls at all hours, and on weekends, as phone logs would support. I have responded a number of times. My daughter has attempted payment arrangements, and on the first payment they raided her checking account the night before payday and said she defaulted because the money was not in the account. The money was not in the account because they tapped the account early. My daughter wants to make a payment arrangement that her income can support, and that will cease the abusive tactics from Navient. When she was on the phone with a Navient collection agent, he yelled at her, threatened litigation, and would not accept a date for a payment arrangement. This agency, which conducts abusive, harassing tactics as a business model, calls my daughter at her workplace when she has asked them not to do so. I am the co-signer for XXXX loan, but the terms, fees, rates were never discussed with me by anyone at XXXX XXXX XXXX XXXX and XXXX, nor were they explained to my daughter, who was XXXX years old when she enrolled in 2004. 

My email is XXXXXXXXXXXX and my phone is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
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 right to privacy and confidentiality under 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. 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. XXXX. # XXXX, XXXX XXXX XXXX # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, U.S DEPARTMENT OF EDUCATION XXXX XXXX, XXXX & XXXX XXXX XXXX # XXXX, DEPT OF ED? XXXX # XXXX, DEPT OF EDXXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF EDXXXX # XXXX DEPT OF ED/XXXX  # XXXX XXXX DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXX, XXXX XXXX XXXX # XXXX,
Product: Credit reporting or other personal consumer reports

I would like TransUnion to remove theses items off my credit report please. I didnt authorize and l also didnt give permission for anyone to run my credit report.So I would like to have them removed from my credit report ( 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 .This is a violation of US CODE1681I ( 5 ) removal of inaccurate invalidated credit information and a violation of 15 US CODE 1602 ( P ) unauthorized use of my credit information please remove immediately thank you.
Product: Mortgage

We ( the borrowers ) have been trying, unsuccessfully, to remove the mortgage insurance, aka racket ( PMI ), imposed on us by our loan servicer/lender. Our home exceeded the value required ( we have over 20 % equity in our home ) according to all major market analysis, mortgage lenders, and recently sold neighboring homes. We have written letters ( four so far ) asking the loan servicer to stop with the racketeering only to be asked to pay more money if we wanted an " internal appraisal '' ( {$900.00} + Brokers opinion!? {$350.00} ) conducted with no guarantee of PMI removal. The amount the servicer is asking for exceeds the amount we would save within one year of PMI removal.

Lender ( s ) are making a lot of money as is, but it seems that it's never enough. They need to squeeze the life out of homeowners/borrowers. It's the American way. The previous administration wasn't very " people-oriented '' and was making sure that the rich get richer, by any means available. Let 's see if things are any better these days and you take the side of " little guy '' for once.
Product: Debt collection

This company has contacted me with fraudulent information serval times. I have documentation showing that i have payed all my medical expenses dealing wit XXXX XXXXXXXX XXXX, which has transferred my cases illegally without my consent to americollect. In documentation It shows XXXX dollars was paid to cover all of my medical expenses considering that XXXX. XX/XX/18 All debts where paid My Laywers have been contacted apon this request if not handled in timely manner
Product: Debt collection

Follow-Up on Request for Original Contract, Purchase Agreement, and XXXX Dear Portfolio Recovery, Thank you for your recent response regarding my account with Portfolio Recovery Associates , LLC XXXX XXXX ). However, I must express my disappointment as I still have not received the original contract, the purchase agreement, or the XXXX form related to the account ending in XXXX. 

As previously requested, these documents are crucial for my records and understanding the validity of the debt. Without them, I am left with no choice but to consider taking legal action, including the possibility of suing for failure to provide the necessary documentation. 

I urge you to address this matter promptly. I hope to resolve this issue amicably without resorting to legal action. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

For XX/XX/2021, my income was too low or unstable to pay the monthly payments in full, so I had to make installments ... Nissan Motor Acceptance Corporation extended me for one month but their attitude was inappropriate and they were asking personal questions they shouldn't have asked. Then I started making payments around XX/XX/XXXX or the XXXX to cover XXXX XXXX payment which I did. Then I was going to send 2 installments of XXXX for that month but they stated I have to give them XXXX dollars to prevent recovery/repossession of vehicle. I explained to them about my financial hardship but they showed lack of concern. Then I had to talk to somebody like you to help me handle this situation professionally and legally. I'm awaiting a stimulus check so I can pay the rest of my debt..I only am behingdnow 2 months instead of three.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receive email notification on XX/XX/22 for a recent address change after speaking to representative XX/XX/22 at approximately XXXX EST regarding my social security number being updated. Experian updated my personal information without my consent. Spoke with representative and explicitly stated I did not want my address on file to be changed