23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

XX/XX/2019 Started application for HELOC for my primary resident with Bank of America representative XXXX XXXX. Submitted usual documents to XXXX XXXX XXXX my liason with Merrill Lynch, who also added Bank of America representative XXXX XXXX XXXX to the beginning of the process for loan application.- Pay, W2, Tax info, Already had an established HELOC with XXXX & XXXX . Purpose of application was to move all accounts to Bank of America for convenience. Acknowledged by email that documents were received, in order and I also had my credit reports with XXXX, XXXX and XXXX unlocked for their process. 
Received email notification from My Home Owner Insurance XXXX XXXXthat they had been asked by Bank of America to remove XXXX XXXX XXXX as the mortgagee ( currently holding my existing HELOC ) to make the mortgagee to Bank of America. I immediately emailed XXXX XXXX what was going on and his reply was they were being " proactive '' while they were still reviewing my application. I told him that was not legal, called my insurance company to change it back to XXXX XXXX XXXX with instructions that all future changes must be reviewed by me. No response to my protest via email and no action to reverse this by Bank of America. I had to take the initiative to change it back. Also notified XXXX XXXX XXXX what was happening and they agreed it was improper. I have PDF copies of what Bank of America did, copies of emails to show this action and time line. 
I sent email back to XXXX XXXX, copying all parties that I was officially withdrawing my application. That this was shady practice and per banking and mortgage and insurance laws, what they did was illegal.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved.I request investigation and removal of these items, as it incorrect and does not reflect my true credit history.

UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 15U.S.C 6802, FRAUDULENT ACCOUNTS ARE TO BE REMOVED FROM THE CREDIT REPORT! 

-Credit Collections ( XXXX ) opened on XX/XX/year> for the amount of {$390.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX opened on XX/XX/year> for the amount of {$440.00} THOSE ACCOUNTS ABOVE DO NOT BELONG TO ME. PLEASE REMOVE/DELETE!
Product: Mortgage

XX/XX/XXXX SunTrust Mortgage , Inc . 
Attn : PMI/ MIP Processing Department VAXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX ( XXXX ) XXXX I have spoken to XXXX XXXX ( Case # XXX ) about my SunTrust Mortgage Loan XXXX XXXX and I was advised that with refinancing the recently appraised value in the contract can be used for waiving PMI, and PMI should be waived if the LTV is below 80 %. They also pointed out that I have refinanced just recently in XX/XX/XXXX. XXXX XXXX further advised if confirmation of the home value is needed due to dropping prices in the home market, an XXXX can be done. I am requesting my PMI to be waived with SunTrust due to my LTV being at {$320000.00} ( Current Loan Amount ) / XXXX ( Appraised Value Listed on Refinance in XX/XX/XXXX ) ) or 79.7 %, and this is my second request. I have put in a written request on XX/XX/XXXX to have my PMI waived and have yet to receive a formal response. 

I also want to point out that home prices are not decreasing since XXXX but are increasing based on the FHFA HPI ( fig.1 below ) that increased 1-2 % in the XXXX and in XXXX XXXX between XXXX XXXX XX/XX/XXXX. In addition, after reviewing some of the data from one of the most accessible appraisal sites, XXXX, I was able to see that my property is now estimated at {$470000.00} ( fig. 2 below ). The home value at XXXX is an increase of 15 % from the value listed on the XX/XX/XXXX refinance with SunTrust and would put my LTV to 69 % ( well above the requirements to waive the PMI ). 

I do not know why i can not receive the support we all deserve when calling SunTrust. I called them at least several times asking for clarity and for confirmation between the months of XXXX. Last I spoke to their agents on Friday, XX/XX/XXXX I was finally advised that their back office is working on a rejection letter for my PMI request and that i need to get an appraisal that can cost me between $ XXXX dollars. It seems like this PMI process is being dragged across in order to ultimately get more money from the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my bank account and had a charge of {$26.00} from transunion on XX/XX/21. ive never even received a credit report from this company. i called their customer service & they told me my account is locked & they can not tell me what im being charged for. they told me to submit a bill with my name on it. i dont pay bills, im XXXX i have mo credit. if i have no credit, why am i being charged for a credit report i dont have? i cant even view the report there isnt one.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX Balance : {$14000.00} - tied up BULL CITY ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX XXXX XXXXXXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On Experian this account is listed as XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account.

As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Product: Credit reporting or other personal consumer reports

This account information is all over the place. Account shows open XX/XX/XXXX. Means the account is reporting past the 7 years. Also the account shows closed XX/XX/XXXX but also states i made a 30 day late in XXXX XXXX which is incorrect. i couldnt be 30 days late after the account has already closed. And if it closed in XXXX, where is the monthly history reporting from XX/XX/XXXX to till XX/XX/XXXX. The information on this account is inaccurate. I was never late. The account needs to reflect CLOSED/NEVER LATE or the account NEEDS TO BE REMOVED.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Checking or savings account

On or about XX/XX/year>, I noticed several withdrawal transactions from Discover Card out of my XXXX Savings Account No. XXXX. There was a transaction from Discover Card for {$1000.00}, {$80.00}, and {$50.00}, totaling {$1100.00}. I do not have an account with Discover Card, the transactions are fraud, and the {$1100.00}, needs to be returned to my account immediately. I filed a dispute with XXXX explaining these transactions are fraudulent, I never authorized any payment from Discover Card, and I requested my money to be returned to my account to no avail. XXXX and Discover Card are refusing to credit my account or return the money stolen for {$1100.00}, for the fraudulent transactions. XXXX XXXX XXXX XXXX Department Police Report XXXX. XXXX.
Product: Money transfer, virtual currency, or money service

I can transfer my money I dont have a Social Security too I tried to explain many times about the same problem with my account I know I wan na lose my money This situation is frustrating
Product: Checking or savings account

Bank of America closed my checking account in XXXX I requested the monies in the account to be sent to Bank of America stated the mail me a check on XX/XX/XXXX I have never received this check I have made several inquiries into this situation to no avail. 
As of XX/XX/XXXX I still do not have this money the total = XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION RESULTS
Product: Credit card

I am writing to formally express my frustration regarding the ongoing restriction on my account, despite my payments being fully up to date. Each time I contact your customer service, I am told to wait XXXX business days, yet my account remains restricted with no resolution. 

Additionally, my Walmart Rewards Card was changed to a Capital One card that I did not apply for, without any prior notification, terms, or interest rate information being sent to me. This unauthorized change raises serious concerns about transparency and proper account management. 

On XX/XX/year>, I spoke with a representative named XXXX ( ID : XXXX ) regarding these issues. Unfortunately, she repeatedly spoke over me and refused to listen to my concerns. When I requested to speak with a supervisor, she did not transfer my call but instead returned with the same scripted response. This lack of proper assistance is unacceptable.
Product: Credit reporting

Experian has allowed XXXX XXXX to report an account that was XXXX reported by XXXX ( XXXX ). This account was removed from file. This is not my account.
Product: Checking or savings account

My account was compromised and my debit card was also stolen. I did a dispute with my bank and they gave me the money back temporarily. 

Now they are threatening that they are going to take the money back on the XX/XX/XXXX of this month. They are claiming that " the activity was authorized '' but I never authorized any of this.This is not fair!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the Bankruptcy XXXX XXXX XXXX dismissed my XXXX XXXX XXXX
Product: Debt collection

I have a Judgement against me by XXXX XXXX. 

Recently XXXX XXXX in the case submitted Documents regarding the sale and transfer of the debt from several prior owners. ( See attachments ). 

In each of these Bill of Sales there was not one instance where there was any information submitted that specifically names the debtor. It mentions files being attached regarding each sale and transfer but there was nothing Consumer specific listed in any of these Bills of Sale, etc. 

According to the Consent Order that XXXX XXXX agreed to on XX/XX/2015 on pages XXXX thru XXXX under the Subheading : PROHIBITION AGAINST THREATENING OR FILING COLLECTION LAWSUITS WITHOUT AN INTENT TO PROVE THE DEBT, IF CONTESTED : Encore, which is XXXX XXXX parent company, is permanently restrained and prohibited from initiating a Legal Collection lawsuit unless in possession of Original Account Level Documentation which must contain the following : " A Bill of Sale documenting the transfer of ownership of the debt which must include a specific reference to the particular debt being collected upon. '' Again, as you will note in the attachments there were never any specific reference in these Bills of Sale to the debt being collected on. 

On page XXXX item XXXX of the consent order that XXXX XXXX agreed too it also states : For the Dispute Affidavit Lawsuit Debt that has yet to be collected ... Encore must within 90 days of the Effective Date of the consent order being issued : a ) Withdraw, dismiss or terminate all pending Dispute Affidavits Lawsuits, b ) Release or move to vacate all Judgements obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c ) Cease post-Judgement enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits. 

As you can see XXXX XXXX has again violated the terms of this consent order. 

I recently lost this case in court having pointed out to the Plaintiff regarding the need for account specific information in the Bills of Sale in court, yet no acknowledgment was ever given on it. 

As I stated this debt is not mine and still dispute it. 

The Plaintiff began garnishing my wages on the Judgement recently so a speedy resolution to this would be appreciated.
Product: Student loan

Mohela processes my loans for PSLF program. I am currently on the SAVE program and with the recent court involvement, all SAVE borrowers are in forbearance. Prior to this, I was scheduled to make {$0.00} payments once the COVID forbearance ends. I have never missed a {$0.00} payment nor have missed a payment prior to the COVID forbearance. Mohela is showing I owe over {$500.00} past due. This is recent as well. How can any of my loans be past due if they have been in forbearance since XXXX and prior to XXXX they were {$0.00} payments. Prior to {$0.00} payments they were in Covid forbearance for years. This is super upsetting and apparently happening to a lot of other people using mohela. You also can not get through to them via phone. You either wait hours or you dont get a clear answer.
Product: Mortgage

I purchased my home in XX/XX/XXXX. At the time my property taxes were not included because it was a new sub division and had not been assessed. In XX/XX/XXXX I contacted US bank to inquire about adjustments and if or how much my payment would increase due to taxes. They told me that they would recalculate the property taxes in or around XX/XX/XXXX - XX/XX/XXXX and that my payments would increase after that. Well nothing happened for an entire year my payments remained the same. I didn't receive any notices, phone calls which they call me constantly after the first of the month even though I have 15 days grace period to make the payment. But I was never notified. In XX/XX/XXXX I attempted to make a payment using their online payment site and wasn't able to make the payment it showed a payment of over 3800.00. I didn't know what was happening so I called customer assistance for help. I was then told that I had a shortage of over {$8000.00} in escrow for XX/XX/XXXX which caused the increase. I was devastated because 1. I was not notified of the increase at any point in XX/XX/XXXXand I actually called and inquired about an escrow payment but was told there wasnt any adjustments. I didnt understand why they didnt recalculate my taxes in XX/XX/XXXX which is what should have happened. If that had happened my payment would or should have increased during XX/XX/XXXX instead of causing a shortage of over 8,000.00 and placing me in risk. For losing my home. This has causes me to have three late payments and has placed me in hardship. They call every day during the grace period until I make a payment but neglected to notify me or to reassess my mortgage in XX/XX/XXXX as they should have done.
Product: Mortgage

We applied for a refinance with our current mortgage company, NewRez. Very up front that we had filed Ch. XXXX bankruptcy and it has since been closed well over a year, which is the XXXX XXXX rule for refinancing loans. We were assured that we will be fine and all will go smoothly. Gave all our requirements, had our credit run ( which lowered it, of course ), paid the appraisal fee, was told by the person working with us that it should be smooth sailing after the appraisal. Didn't hear back from them for over a week. I emailed, no response. I finally got ahold of a Senior Sales Manager who told me that our original agent was on vacation and he could help us. He said there were issues and he needed to get them corrected. Not a big deal. Said my husband, who is the veteran, was listed XXXX and should of been listed first, which I told the original agent that, and was told, it wasn't an issue. Then they had all of our debts listed XXXX, which showed our debt to income ratio was very high. So that had to be fixed. Then, they ran our credit again, thus taking another hit. After all that, I had to reach out to them again for an update. I was told that their underwriters denied us because we had to be out of the bankruptcy for over XXXX  years, even though the XXXX requirements are only XXXX. The senior manager said he would try to do a " manual underwriting '' with the underwriters, thus asking for an exception to their rules. Waited for a few days to pass with no word from them. I reached out again to them and was told they refused to provide an " exception '' and said, sorry, but we can't help you. Even though they currently have our mortgage, we have over $ XXXX in equity built up and we make over $ XXXX per year. No exception. I asked why our credit was run again even though it had only been XXXX weeks since the last time and was told that they can run it as much as they want and it won't affect it, if we apply somewhere else. The only offer that was made was that if we want to try at another company, they will send over our current appraisal so we don't have to pay again. That was it. Very, very upsetting.
Product: Credit card

On XXXX XXXX, 2017 my mother who is an authorized user on my Walmart credit card which is managed by Synchrony Bank contacted synchrony bank to see if there was {$40.00} available to spend. The customer service rep. Advised that there was enough. Less than an hour later my mother went to was Walmart and picked up a few items. However while checking out the Walmart card was declined. My mother advised me of this incident and I called synchrony bank as asked what happened as o should have almost {$160.00} in available credit. When I called the customer service rep advised that this account credit limit had been lowered the same night. This account is always been paid in great standing. Synchrony bank only dropped my limits after I paid down XXXX other accounts with them. I believe this is retaliation due to me previously filing a complaint against them. Synchrony also lower my Lowes account and my Phillips 66 card. My initial complaint was due to the banana republic card being reported as late. Synchrony is caused my score to lower due to reducing my credit limit causing my utilization rate top go up. Synchrony bank needs to stop this.
Product: Debt collection

In XXXX I received a collections letter from Tenaglia and Hunt regarding a credit card debt to XXXXXXXX XXXX which I do not believe I owe and replied requesting validation. I received a response which I do not beleive meets the requirements for debt validation under New York or federal law and replied specifically requesting the following : a copy of the original signed credit agreement or application, transaction summaries showing how and when the amount they claim I owed was calculated, proof that Tenaglia and Hunt was authorized to collect the alleged debt on behalf of XXXXXXXX XXXX, and proof that Tenaglia and Hunt is licensed to operate as a debt collector in XXXX XXXX XXXX  I received no further communication from XXXX or Tenaglia and Hunt for several years which I took as a tacit acknowledgment that they were unable to validate the alleged debt. 

On XX/XX/XXXX I received notice that Tenaglia and Hunt was seeking default judgement in a lawsuit they claim to have filed against me in XX/XX/XXXX. I was never served with this lawsuit and had no knowledge of its existence prior to receiving this notice. Per documents filed with the court the initial complaint was served to a third party identified only as " XXXXXXXX XXXX ( name refused ) - co resident '' ( I live alone and have no idea who this could be referring to ) and the complaint was sent by mail to an incomplete address. Documents also show that an additional notice was sent to the same incomplete address and returned as undeliverable by the postal service. 

I made multiple attempts to contact the attorney of record ( XXXX XXXX ) by phone but the number provided for him in a filing is directed to one of several non-attorney collections who immediately start talking over me or disconnect the call when I raise any of the following issues : The alleged debt was never validated, Tenaglia and Hunt knew or should have known that the original complaint was not properly served, by the time I became aware of the lawsuit the alleged debt ( if valid ) was time barred, all XXXX Credit Card agreements include a mandatory arbitration clause and even if the alleged debt is valid the lawsuit is improper as the matter should have been pursued in arbitration.