23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I continue to seek an equitable solution from my lender, XXXX XXXX to resume making mortgage payments. The California Homeowner 's Bill of Rights states that a homeowner has a right to know who their lender is, and to be able to make contact with them. The recorded message at XXXX XXXX XXXX states, " Hello, if you are calling because the owner of your loan, please listen to the following message. The servicer of your loan is required to provide you with this telephone number under new regulations. The servicer of your loan was given the authority by the owner of the loan to make all decisions concerning the terms of you loan. The servicer is the only party who can make these decisions including whether to modify your loan, and you should contact them if you have not done so already. If you are in contact with your servicer, please continue to seek guidance from them .... '' The servicer of the loan, Shellpoint Mortgage Servicing, continues to say that XXXX XXXX makes all the decisions. In Shellpoint 's literature under the title of " Need Mortgage Help, '' it states " Our mission is simple : We 'll do everything we can do to keep you in your home. Our philosophy is : let 's work together to find the right solution that works for you. '' Among the loss mitigation options are 1. an interest only loan with a balloon, 2. missed payments and penalties put on the back end, 3. Forbearance, 4. Loan Modification, among other options. A recent  conversation with them revealed that they do not offer any of those except for a modification or short sale. The modification available reduces the mortgage by a few hundred dollars. Given this, I retained the services of XXXX XXXX, an attorney at XXXX XXXX to assist me in communicating with the owner of the loan. I will refer back to XXXX. A previous CFPB complaint I filed revealed this : " ... the servicer informed you that the investor of the loan ( is ) The XXXX XXXX XXXX XXXX XXXX as Trustee on behalf of XXXX, XXXX, Alternative Loan XXXX. Please note that the XXXX XXXX XXXX XXXX XXXX is the trustee, an independent party responsible for administering the trust for the benefit of investors. The trustee is the owner of the mortgage solely for the benefit of the investors, who are the true beneficial owners of the mortgage. '' The XXXX has never responded to XXXX XXXX or to me. Shellpoint did respond to XXXX XXXX 's letter by stating that ( in effect ) the guidelines for my loan or modifications thereof, are " the guidelines set forth by the Consumer Finance Protection Bureau. ''
Product: Credit reporting or other personal consumer reports

I asked the credit agency XXXX, Experian, and XXXX to remove bankruptcy onff my credit. They have not provided proof that this is me. 
I asked to erase names and addresses that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent letters out to the three bureaus regarding inaccurate information and they have failed to respond. asset care failed to provide a dispute notice after 30 days and their a balance of XXXX, i do not have a contract with XXXX XXXX. there is also three other medical collections that are reporting and i disputed these accounts in this amounts. they do not even have the furnisher information or who reporting this. this is not my medical collections, i asked them to verify 90 days ago and asked them to delete. i have not got anything in the mail regarding my disputes and the bureaus failed to enter my dispute notices. please the accounts in the amounts of : XXXX XXXX XXXX please delete
Product: Bank account or service

Charged {$320.00} in overdraft fees because my account was showing I had more money than what was available and the bank said it 's because some items were pending and the charges occur often the items go through regardless of the order of the purchases.
Product: Credit reporting

I purchased a credit report from TransUnion online for advertised price of {$1.00}, charged to my XXXX XXXX XXXX XXXX card. Upon receiving my XXXX bill this morning there was a charge from TransUnion, in addition to the {$1.00}, of {$19.00}. I called TransUnion, whose representative insisted I was liable for this additional charge because I did not " cancel '' within 7 days of ordering the credit report. ( While the representative did agree to cancel my " subscription '' for any future months and to send me a confirming e-mail, I have not yet received any confirming e-mail from Trans-Union and am concerned they will seek to impose this charge in future months. ) I saw nothing on the TransUnion website imposing this alleged additional monthly charge or any obligation on my part to " cancel '' within 7 days of the date [ XXXX XXXX, 2015 ] I ordered my {$1.00} credit report. Looking at TransUnion 's website as it exists today following my unsatisfactory call with TransUnion, I did see this proviso there in small print and not presented in a way that most people would notice. My perception is confirmed by the large number of similar complaints against TransUnion on the XXXX website and by my conversation with XXXX XXXX XXXX, who advised me they have received many complaints about this TransUnion practice from their credit card customers. 
The deceptive sales tactics of TransUnion are obviously designed to mislead consumers and to evade TransUnion 's legal obligation to provide an annual free credit report and/or limiting the amount of money they can charge to provide a credit report. I contacted TransUnion for my credit report on XXXX XXXX immediately after receiving a letter from XXXX XXXX that my personal information in their system had been stolen by hackers. TransUnion first refused to send me the free annual credit report, to which I am legally entitled, online, because they were not satisfied with the answers I gave online to palpably obscure and misleading questions supposedly designed to ensure I was actually the individual in question entitled to the report. However, TransUnion was willing to and did send me my credit report online when I went on their website an hour later and agreed to pay them {$1.00} for it per their deceptive offer. ( In the latter instance, unlike my initial application, I was not asked any obscure questions going back XXXX 30 years. )
Product: Debt collection

XXXX XXXX XXXXXXXX sent me a letter on XX/XX/2021 about an alleged debt owed to American Express. I sent a cease and desist as well a debt validation letter with a green receipt that was received on XX/XX/2021. For the validation of the debt XXXX sent me statements and terms and conditions pages. They never provided me the address and name of the original creditor. They have since taken legal action against me and filed a lawsuit. This is a violation because a debt collector can not be an attorney.
Product: Debt collection

I had disputed an amount owed to XXXX long ago and after many calls with their agents trying to resolve it ( with no success ), they decided to pass this to an abusive debt collector. 

The company ( Receivable Management Services - XXXX XXXX XXXX ) employed abusive calling practices from an array of numbers ( creating confusion ) for a company debt which was converted to myself personally. 

I have found it impossible to work with them and reach an agreement. I dispute the amount they are trying to collect and they don't cease the calls or letters, now threatening to be reported to the credit agencies despite their not trying to find a fair resolution.
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 XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 card

I spent {$33.00} on my amex credit card and set up auto pay with the instructions, However I was not realized that the auto pay only to a specific hard not the whole account, AMEX didnt send me a prompt notification, now I received a bill of {$220.00} include fees and interest. 

1. Amex didnt send a prompt notification when a payment is not received. They only send an email saying that due day is tomorrow, but never mention whether a payment is scheduled or received. They wont send a past due reminder until its months late. 

2. They over charge fees and interest. Although I have already paid {$40.00} to them, which is more than what I spent. They are still charging late fee on late fee, interest on interest. The amount they are asking is 8X of what I spent, The minimum payment they required includes all the late fee and interest, which makes me harder to pay and generates more late fee and interest,
Product: Mortgage

I have had a very difficult time with PHH. I have tried to submit for a loan modification a couple times. I was never able to communicate to the same person which always caused confusion. PHH always seemed to lose my paperwork, which I constantly had to re-fax. I fell behind in 2017 and had to file a bankruptcy to protect my self from this aggressive lender. I have paid them a lot of money to catch up. But PHH keeps adding fees and has been very difficult to deal with to resolve. I have recently been declined for a modification and feel is was not reviewed correctly.
Product: Consumer Loan

I 'm a long time Chase bank customer with an excellent credit score ( XXXX fico ) and income ( XXXX/annual ) and I submitted a used auto loan application for XXXX over the phone based upon their advertised used auto loan rate of 2.06 %. This rate had the following assumptions posted : loan to value of 95 % for used vehicle, excellent credit history, and loan amount of XXXX. After submitting my application, I received a quoted rate of 4.79 %. I requested to speak to the underwriter who told me that the high rate was due to the loan to value for the auto loan. I asked them to update the loan amount to reflect the 95 % loan to value for my requested vehicle ( XXXX ). She updated the application and came back with a quoted rate of 2.79 %. I asked her why my rate was still not the advertised 2.06 % and she said because I my loan was n't using the specific model/year in the assumptions. I believe this is a clear instance of bait and switch tactics as there 's probably such a minuscule probability that an applicant have the exact vehicle model/year, credit score, and Chase checking account to qualify for the advertised rate.
Product: Checking or savings account

I originally spoke to XXXX XXXX from PNC on XX/XX/XXXX regarding my PPP forgiveness. She indicated that were missing a document from when the loan was granted which made zero sense to me. She tried to tell me that the SBA changed the guidelines and that if I didn't give them additional documentation my forgiveness amount would be lowered. I argued with her because I don't understand how nothing changes in my business, I had the first round at the same dollar amount as the second draw but now I don't qualify. I emailed her the document. She never confirmed receipt. I had to follow up with her on the XX/XX/XXXX to make sure she had the document she needed. She indicated that " You are good to go for forgiveness ''. To me that means my application had been approved. I continued to call the PPP department for updates. 

After speaking to XXXX on XX/XX/XXXX I applied for PPP loan forgiveness. I've called two times to check the status of the loan forgiveness and was told the loan was in underwriting. On XX/XX/XXXX to again check the status of my forgiveness application. At that time the gentleman indicated that my application had been moved on to underwriting but now it shows it was out of the underwriting cue and that it's just sitting there. He indicated that he needed to set up an appointment with me to speak to a PPP specialist. This morning, I was contacted by XXXX XXXX who indicated she can't help me, she is in the wrong department. She just helps with documents needed for the foregiveness process. She also said that it appeared I did not apply for the forgiveness loan. She said she will reach out to her manager to see what she can do but doesn't know how long it's going to take for someone to get back to me. 

I have an emailed from PNC dated XX/XX/XXXX with a confirmation indicating I had applied for forgiveness along with a confirmation number. This email also stated they will submit my forgiveness application to the SBA no later than 60 days after receiving a completed application. Their time is quickly approaching.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.
Product: Checking or savings account

XX/XX/22 - I opened an Online Citibank Savings Account and transferred XXXX from my personal checking account as a deposit. I received email confirmations of the new account creation and transfer request. 
XX/XX/22 - XXXX  was taken out of my bank and deposited to the savings account. I was able to connect the Citibank savings account to my online Citibank credit card account to monitor the transfer and deposit. 
Mid XX/XX/XXXX2022 - I was not able to access the Savings account online. I called Citibank and was told my savings account was in the process of being closed by XXXX ( Fraud Department ). I had not received any notice via email or mail about this. I was told that once the account was closed, I would receive a check of my funds which would take at least 30 days. 
XX/XX/22 - I called XXXX ( XXXX option 4 ). Spoke w/ XXXX who said the account still wasn't closed yet and had his manager expedite the process in order to get the check refund again after 30 days of closure. 
XX/XX/22 - Called RDI again. Was told by XXXX that the account was closed on XX/XX/22 and it no longer showedXX/XX/1000 and an electronic refund was sent back to my bank on XX/XX/22 but he would not give me the transaction number. I was told to contact my bank for further assistance. I called my bank and spoke with XXXX who stated there was no evidence of any attempted deposit/transfer of any funds from Citibank to my checking account. I called XXXX again and was transferred to the Dispute Department. I was told that due to the $ amount, I would have to mail Proof of Ownership of my bank account ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to receive the return of funds. No Dispute number was given to me. 
XX/XX/22 - I mailed the above to the address given. No one contacted me despite providing all my contact information. 
XX/XX/22 - I called the Dispute Department and XXXX stated I was given the wrong address and to mail the Proof of Ownership to XXXX Citibank XXXX XXXX, XXXX XXXX, TX XXXX. This time I sent it by certified mail for it to arrive on XX/XX/22. Again, I did not get any response from Citibank. 
XX/XX/22 - I called the Dispute Department, was transferred to XXXX at XXXX Department who then transferred me without my knowledge to XXXX Fraud Department. To my bad luck, I get XXXX again who tells me he can not give me any details about the closed account and that I would have to get my bank to contact XXXX to resolve since this is a " bank to bank '' issue. He also told me I can not do a dispute with Citibank in order to get my funds back. I called my bank and XXXX started an escalation on my behalf to see what can be done. 
XX/XX/22 - Representative from my bank stated there's nothing they can do without any transaction number/details from Citibank of the refund. 
Citibank has consistently given me incorrect or no information at all as to the forced closure of the savings account and the process to get my money back. I have been sent in circles since XX/XX/XXXX 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b XXXX  and TransUnion are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XX/XX/XXXX ; According to FCRA Section 605B ( a ) the XXXX and TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I sent a debt validation letter to FirstSource and they responded with a letter that I received on XX/XX/2020. The letter which I will upload a copy of stated that they did receive my request for them to validate the alleged debt. In the letter I requested that if this debt in indeed mine I would like a copy of the original contract between myself and the company. FirstSource responded with a statement of charges that does not prove that this debt is mine. If there is no proof of a contract then they have no authority to report or collect from me. This makes this debt unverifiable and FirstSource needs to cease collection activities. They simply gave me a printout of a statement does not constitute verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I got my credit report online and realized XXXX, XXXX  and Trans Union are all reporting the same account twice. Once for the Original creditor ( XXXX Bank ) and once for the Collection Company ( XXXX XXXX XXXX ). I am aware that no account should be reported twice or duplicated on my credit report. 

On XX/XX/XXXX I mailed my dispute notifying each of them of this error. When my online account updated on XX/XX/XXXX, I see that both accounts are still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX report wrong info including late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting the following inquires that are not authorized by me. I contacted the companies below and they stated I needed to contact Transunion. Transunion stated they could not help me. 

The following are not authorized by me. 

XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have did a dispute in XXXX regarding Discover, and they said it wasn't a mistake. I know I was living in a shared residence with other people sharing a mail box that could have got their hands on sensitive information of mine. 

In addition, I feel like I'm a victim of Identity Fraud, I know that I have to get a special number to file with. I would like this off my credit and I'm tired of arguing about this debt.
Product: Credit reporting

I sent a complaint to you a month ago, # XXXX, regarding Experian and their refusal to sent my yearly credit report. They responded to the above complaint number that the report was mailed to me on XXXX/XXXX/16. It is now XXXX/XXXX/16, and I have still not received the credit report. This is exactly why I am complaining about Experian. They also are constantly releasing negative information about my credit, and then I have NO ACCESS to even see what they have said. I have no problems with XXXX or XXXX, and they provide my credit report online every year, as the law requires. Experian, however, NEVER wants to comply. This is my second request to you for help with this.
Product: Credit card or prepaid card

On XX/XX/2020, I went into my bank account to check my statement and noticed that my credit card was over it's limit. I knew I had not made any payments to go over the limit so I checked my account details. Turns out on XX/XX/2020, 10 different payments were shown on my account all in different states and cities adding up to almost {$6000.00}. The payments started at {$980.00} and then 9 other payments around {$480.00} all for different companies and all in different cities/states. Looks like the account reference number is the same on most of those accounts. The payees are all different, and most look like they are fraudulent companies. I NEVER got a notice from the fraud department. I never got a call, email, any notification. I have never spent {$6000.00} in one day for as long as I have had my credit card, and most of the cities these transactions were in I had never been to. I was shocked that I had no one from Wells Fargo help me or notify me before I noticed it myself by chance. I called Wells Fargo and received terrible customer service as I was frustrated and upset at the situation. They canceled my credit card, said they would send a new one the next day, but I won't receive my money until the claim is settled by the investigation which would be from 2-10 business days. I am unsure of what to do, and feel like I got no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

WRONG INFORMATION REPORTING ON EXPERIAN THAT NEEDS REMOVALS OF ALL ITEMS BELOW. 

XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX  XX/XX/2022 EXPERIAN XXXX BANK XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN