23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I paid off my mortgage on XX/XX/2018. Ditech Financial owes me a refund from the escrow account in the amount of {$2900.00}. Despite repeated calls and inquires and promises from Ditech, I have not been paid. Each time I call I get excuses, lies, and the proverbial run around, but no check. Enough is enough.
Product: Debt collection

Out of the blue a company identifying as AFNI flagged my credit with a debt that I had no idea about. I just happened to be checking my credit score when I saw it. I phoned AFNI wanting to know where this was coming from. I asked if they bought the debt. The response was 'no '. I asked again, response 'no '. I ask where is the debt from, they responded XXXX. Hmmmm. I was not given notice and was not able to file a dispute. So my next step was to send a certified letter to AFNI to  be shown proof that the debt was valid. I checked with the post office and AFNI indeed received my certified letter as they signed for it on XX/XX/2020. I have yet to receive a response and the collection still sits in my credit report. The fact that they left it on my credit, even after they received my certified written request for validation seems wrong. I would appreciate knowing my next steps with this. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX I opened a credit card with XXXX and immediately set up autopay for the full statement balance. Due to a documented technical error in their payment system ( which I have an archived copy of ), my first-ever balance of {$30.00} was not processed despite sufficient funds being available. I discovered this in XX/XX/XXXX when I found a 90-day late payment on my credit report. I immediately paid the full balance that day. 

I contacted XXXX 's CEO in early XXXX requesting goodwill removal. Their team acknowledged the technical error and promised to work with their underwriting bank ( XXXX XXXX ) to correct the credit reporting. After over 12 months of follow-ups, they continue to claim they are " waiting for a response '' with no progress. 

This erroneous reporting has caused my credit score to drop by over XXXX points. I have been denied several apartment applications specifically due to this late payment. I was forced to relocate to find housing that doesn't require credit checks, causing significant disruption and expenses. 

All three major credit bureaus ( XXXX, Experian, and XXXX ) continue to show this incorrect late payment.
Product: Debt collection

Under this rule, a debt collector is presumed to violate federal law if it places telephone calls to a particular person in connection with the collection of a particular debt in either of the following circumstances. The collector calls more than seven times within seven consecutive days. The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. 

The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. It doesnt cover business debts, and it also doesnt generally cover collection by the original creditor or business you owed money to. 

Under the FDCPA, debt collectors can include collection agencies, debt buyers, and lawyers. Any FDCPA-covered debt collector who contacts you about a debt is required to tell you certain information about it. Repeated calls and emails
Product: Checking or savings account

I have 3 fraudulent wire transfers on my Bank of America checking account. First, on XX/XX/XXXX for {$25000.00}, second, on XX/XX/XXXX for {$4900.00}, & third on XX/XX/XXXX for {$2000.00}. I have never done any international wire transfers from my account and this was done to a bank account in XXXX to someone I have no knowledge of. My banking details were supposedly leaked as a result of a virus on my laptop, which I have since remedied. For someone who has never done any wire transfers, for these to go through, especially these big amounts, is not normal and shouldve been flagged. Bank of America said they texted me a secure pass code which I never received. I received a call asking for my call history and the virus report which they told me Id have time to get ; they denied my claim the same day saying it was my negligence. I am a victim of fraud. I even filed a report to the XXXX  and XXXX XXXX. Bank of America also wont send me the documents or the basis behind their claim. I have already consulted an attorney, & if this isnt resolved, we will be suing. And I will take my banking business elsewhere
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many fraudulent accounts showing up on my credit report. Collections, charge offs and open accounts. These are holding me back from a lot of opportunities. I need these removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against ALLY FINANCE I. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX  credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Debt collection

XX/XX/19 I have attempted to obtain information from XXXX XXXX XXXX  about the nature of a debt that they claim I owe. I have asked for an itemized description of the debt and how they calculated the amount that I allegedly owe. The alleged debt is past the statue of limitations, yet they claim they are still charging interest on the debt. XXXX XXXX XXXX  claims that they have no obligation to provide a written explanation that itemizes what I allegedly owe. The amount owed is allegedly $ XXXX.The original creditor is XXXX and the Creditor listed is Unifund CCR , LLC. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a title loan in 2019 with Title Max. I never missed a payment but when covid happened I had trouble paying some months. I lost both my jobs and title max didnt care they still added interest and I received harassing phone calls daily. I finally borrowed the money from family to pay it off because they started threatening to repossess my vehicle. Title Max is a scamming company who prey on people who are experiencing hardship
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX for 6 months with my direct deposit from work going in every week for XXXX one day i deposit a check of my daughter supposed payroll for XXXX  they gave me XXXX in advance available 3 days later they close my account because it was a fraudulent check they charge me the XXXX out of my direct deposit that came that week and gave a check 3 weeks later for XXXX i don't care about the account being close with them they terrible what i care is they report me as fraud to XXXX XXXX and XXXX XXXX and because of this i can't open another account this is not fair i paid them what it was own and that check wasn't mine it was from my daughter online employer i was doing her a favor where is the fraud there? Now all the banks think i do fraud
Product: Mortgage

I obtained a mortgage through PNC bank. There are XXXX things that happened during the course of the mortgage process, XXXX is questionable, and the other is my specific complaint. The first packet of contract documentation had my interest rate set at 4.875 % instead of the 4.5 % that we agreed upon. They told me that it was a computer error where the .375 % was automatically added onto the original 4.5 %. My loan officer told me that he sent me an email stating there was an error, but I never received any communication to that effect. Had I not read the contract before signing, the 4.875 % would have stayed ( I am a XXXX home buyer ). The week prior to my closing date PNC 's appraiser said made a note about a front step of my house being a potential stepping hazard. The underwriter then delayed the closing by requiring the seller to remedy the issue. This pushed the closing date back a week. The original closing date was XXXX XXXX. A contractor fixed the problem on XXXX XXXX and the house was reappraised and approved on XX/XX/XXXX. The new closing date was XXXX XXXX. After XXXX on Thursday XXXX XXXX, I received a call from my loan officer stating that he had just sent me the final breakdown of costs for the closing via email and that he wanted to review it with me. Upon reviewing the documentation, he tells me that the bank charged me {$1500.00} for an extension of the interest rate that allegedly expired XXXX XXXX. I asked the bank how long the rate was locked in and they said XXXX days. I did not sign a contract with them until XXXX XXXX, which would have locked it in until XXXX XXXX. My main contention is that I was not told of the interest rate expiration or disclosed of the substantial fee until the call the night before the closing. I was moving into town from XXXX hours away and felt coerced into accepting the fee.
Product: Mortgage

Due to XXXX XXXX XXXX year I fell behind on XXXX XXXX XXXXDovenmuehle # XXXX. On XX/XX/22 I received a statement showing a balance Due of XXXX  on XX/XX/22 {XXXX was sent to my mortgage company. They were instructed to deduct the balance that was due and add the remaining to the principal balance. which was done however in the balance that was due XXXX was paid in interest I have been informed no late fees and interest fees would be charged if you had to defer your loan due to XXXX. The XXXX issue I have is, I have been paying my own insurance and Dovenmuehle has been charging me for insurance too. So I'm double billed for insurance. and mortgage insurance should have been removed already. When I requested for them to credit back all the fees they are charging me, I'm put on a long hold without a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over thirty days ago, I wrote to Credit Bureaus dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these misleading information such as a wrong status has been removed.
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 U.S.C 1681 : XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX, Account # XXXX Enhanced XXXX XXXX XXXX Account # XXXX 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 States : A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any 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

Description of complaint : Greetings. I purchased jewelry from JCPenney in XX/XX/XXXX. I went to return the item On XX/XX/XXXX. I was refused a refund because the store manager said I exceeded the return policy of 60 days. However, I have the original receipt and there is no policy stated on the front or back of receipt. There is also no return policy stated throughout the store ( I have pictures to prove it ). I was told by the clerk that I should have gone online to review the policy, however I purchased my item in store, I simply wanted to return the ring and have the credit refunded to my card. I am financially burdened and decided to return the jewelry because I realized I could not afford the payment to a change in circumstances. According to consumer protection act, it prohibits the use of deception, false pretenses or suppression or omission to any fact that is material to a business dealing or transaction. JCPenney 's policy was not and is not stated and clear for consumer choices. I would really like for them to remove this from my credit as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX mailed me a copy of my free annual credit report. I have had no luck with Equifax and XXXX XXXX. May I please receive a copy of my free annual credit report from both agencies, thank you.
Product: Credit reporting or other personal consumer reports

Dear Ally financial, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802.
Product: Credit card or prepaid card

Chase Bank is charging me almost 30 % on my credit cards. I pay the balances or keep them low and they refuse to lower the interest rate. They say that it will come up for review but can not tell me when that might happen -- it's at their discretion. 

I want the interest rate lowered. I am not asking for 0 % interest but it should be lower than 30 %.
Product: Debt collection

This is in reference to a communication of dispute you were in receipt of in XX/XX/2022. The complaint was filed with the credit bureaus ( XXXX, XXXX XXXX XXXX ) through the CFPB in regards to illegal reporting that I owe your company a debt. I requested validation of the below mentioned debt. 

Caine & Weiner XXXX Account XXXX. : XXXX In response to the complaint filed, on a letter dated XX/XX/2022 your company sent a single billing statement received from the creditor 'to serve as proof '' that I was indebted to Caine & Weiner for this alleged transaction. In addition to that, your company continued harass and defame me by communicating and illegally reporting this alleged debt to the credit bureaus as if I entered into a payment agreement with your agency. This resulted in multiple denials of credit extension, and embarassment. 
According to 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
" Any Medium '' to be taken literally means any form of communication whether written, oral, verbal, electronic or any other means, therefore furnishing on my consumer report bearing any information in regards to this alleged debt by Caine & Weiner is to be considered communication as per the FDCPA. 


The creditor has reported this account as charged off, meaning they are no longer attempting to collect on this alleged debt owned by them. That debt according to the law has been paid. 

As you are aware the creditor sold this debt to your company in XXXX of 2022. 

I am informing you that your company has violated 15 USC 1692j ( a ) because your company furnished a deceptive form to create a false narrative and misleading me as a consumer that the creditor was attempting to collecting this debt, but in reality it was simply put, not true. It goes without saying, I expect a deletion of this account immediately. 

For reference : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes suchcreditor, when in fact such person is not so participating.
Product: Payday loan, title loan, or personal loan

I took out a payday loan with this company in 2021. They are currently taking out {$270.00} every other week. The original loan amount was {$2000.00}. As of today the amount is {$2400.00}. That would mean that NOTHING has been applied to my principal. I understand that these loans are high interest rate, but the rate on this is 348 %. This is taking extreme advantage of people that are in a bad financial situation. I am not able to get ahead or have enough to pay my other debts as I am paying this with nothing being paid down on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report I noticed an account that was not mine that was in collections/chargeoff. 
The information is Original Lender XXXX XXXX XXXX XXXX. 

Bureau Name CMRE FINANCIAL SERVICES Date-XX/XX/2019  Amounts- {$3200.00} This should be under my fathers report. 
We have the the same name exception of are middle name.
Product: Credit reporting or other personal consumer reports

The reporting of the account from XXXX XXXX XXXX # XXXX AT {$1800.00} FOR XXXX XXXX AND {$1800.00} FOR XXXX AND EQUIFAX, LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b. 
Which also allowed the credit agencies XXXX XXXX, XXXX, AND EQUIFAX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Mortgage

Around XX/XX/XXXX or earlier, I spoke with a customer service representative to request a payoff from my account. I was told that he was putting the request in. However, after a week I heard nothing. First off, this is a commercial lender and unlike other lenders, there was no way to request payoff automatically online without sending an email, in which you receive no confirmation or any info. 

After a week, I reached out to see where the payoff was and was told it takes XXXX to XXXX days everyday until XX/XX/XXXX, when the timeframe was mysteriously updated to XXXX to XXXX business days to receive payoff from the day of request online via email message.

I am two payments behind and have a buyer for the property, but this lender, Shellpoint Mortgage is intentionally not providing a payoff quote in a timely fashion and the sale of the property is now in jeopardy due to time restraints. Waiting XXXX weeks plus for a mortgage payoff is ridiculous. Shellpoint maintains that they don't take payoff requests via the phone and the fact that anyone who answers does not provide any type of status updates concerning your request indicates a lack of quality service to clients. Additionally, the employees there seem to take it personally if you ask questions often being rude, short, and curt providing responses such as " oh well '' " not my department '' " That's all I can tell you '' " You'll get it XXXX to XXXX days after the request '' " That department doesn't take phone calls '' " There is no update ''. 

In over 20 years of working with lenders, this is one of the most unbelievable experiences, if I myself was not personally experiencing it. I need the payoff quote today or I will be unable to pay this loan at all, perhaps that is the goal of the lender to intentionally cause additional financial hardships for customers who care about paying their bills ontime.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage with Flagstar bank. In XX/XX/XXXX they increased my payment by about {$40.00} per month, But did not inform me of this until XX/XX/XXXX. I found out by them returning the payments I had made of the amount i believed was correct and adding a ton of fees ( now owing over {$8000.00} ) and threatening foreclosure. I tried many times and many ways to work with them, their loss mitigation and their lawyers. I just received the run around and more foreclosure notices, As they kept saying they were n't receiving enough info even though I resent and had proof they ( all 3 parties ) would tell me do n't worry you have time. Then I had a sale notice on my door for all the neighbors to see. Then in XX/XX/XXXX ( yes only a month since this all began not much time is it? ) and their fees and charges are unreasonable for me to pay and still no answers and just extremely rude if they did respond. I was forced to file chapter 13 bankruptcy just to keep my home. That went through on XXXX ok all good right?? No they are still not accepting payments from trustee adding a ton of fees and now threatening foreclosure again sending bills and letters every week this has put me and my family through so much mental and financial stress its been a year of them harassing for which I believe was their mistake.