23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to the increasing prices of homes, I figured out that it was very likely my loan-to-value ratio had reached the 78 % threshold required to remove private mortgage insurance ( PMI ). I currently pay {$79.00} per month for PMI. I contacted my mortgage company requesting to remove PMI. They sent information back, asking me to complete the paperwork and mail a {$150.00} non-refundable check to request a broker 's price opinion ( BPO ), which we did on XX/XX/2022. The documents they sent indicated that I would hear from the company within 10 days of receiving the information. 

Several weeks go by and I decide to reach out on XX/XX/2022 to see what is going on. I realized they cashed our check on XX/XX/2022, which means they received our letter and we should've been contacted early XXXX. I spent an hour on the phone, being passed between 4 different call center employees trying to figure out the issue. The last representative I spoke to told me she would call me back tomorrow morning with more information. When I called the next day ( since she never called ), I learned that is not appropriate procedure for their company - individual call center employees should never be contacted customers directly. So she basically lied directly to my face in an effort to get me off the phone. 

I call again on XX/XX/2022 and the call center employee tells me the department that handles PMI cancellation requests never received our documentation. I tell him that's impossible since they cashed the check 8 days after it was sent. He tells me I never included the requested information ( two signatures ), which is impossible because that's what I sent with the check. Additionally, if they didn't receive enough information, did they just plan on keeping my {$150.00} check with no follow-up? Nobody contacted me between XX/XX/2022 and XX/XX/2022. 

I am still trying to get PMI removed from my monthly payment, as I am confident my home value is well below the 78 % XXXX ratio threshold. It's very frustrating to need to spend several hours throughout the week playing phone tag and going through call center stall tactics. This is now two months worth of PMI I have been forced to pay due to poor business decisions by Freedom Mortgage. Understandably, the housing market is likely causing a lot of people to request cancellation of PMI, which is likely why this mortgage company is doing everything they can to dance around federal PMI laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the XXXX XXXX XXXX and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX XXXX XXXX XXXX sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.
Product: Debt collection

Personnel from Warner Asset Location Services called me multiple times per day while at work but would not disclose the reason for their call. I do not have any business with any company by that name. I believe they are a successor in interest to a payday loan company, XXXX. I have make arrangements with XXXX to pay this debt and others. Personnel from XXXX also called my employer and relatives frequently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX has reported delinquencies and my credit file ( with XXXX, Equifax, XXXX ) and continues to post this account as an active account and the account is charged off & closed since XXXX ( {$14000.00} my file saying that I owe after the vehicle was repossessed, and the finance amount was allegedly {$17000.00} ). The car was repossessed XXXXXXXX XXXX  XXXX, while my XXXX XXXX child sat in the passenger seat at XXXXI filed a police report on that date against them as well. I have asked all 3 credit bureaus to investigate, to remove this item, and they have not complied. They are also in violation of Georgia law XXXX  code 9-3-25. 

As of XXXX XXXX XXXX, Equifax XXXX XXXX has reported XXXX XXXX to all three bureaus that I owe {$240.00}, this is a closed collection. I have asked that it be removed, they have not complied. 

As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX, has shown up on all 3 credit files as delinquent in the amount of {$1800.00}. This is incorrect information and I've asked for it to be removed. 
As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX has shown up on all 3 credit bureaus that I owe {$1800.00} I've never had a device with this company and I have asked that they remove this item multiple times. 

XXXX & XXXX both have listed my student loans with Dept of EducationXXXX with incorrect amounts, dates & delinquencies. I have asked that they be removed. 

In accordance with the Fair Credit Reporting act XXXX 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: Credit card or prepaid card

I am still seeking resolve for the theft committed by US Bank ReliaCard. I can not believe that no one is picking up on the errors US Bank ReliaCard. There were fraudulent ATM withdrawals made using my government payroll card that occurred while I was out of town working. I have verified my location at the time the withdrawals were made with my XXXX location tracking, proving I was no where near the credit union the withdrawals were made at. Secondly I have provided a signed affidavit from my employer at the time, and that individual is a witness that stated in writing that I was at work when the fraudulent withdrawals occurred. US Bank ReliaCard will not refund my stolen payroll money even though this proof was provided. When responding to my dispute, US Bank ReliaCard claims their decision to deny my claim was based on a pattern of use they say is evident in the three monthly statements they provided me. I have been over the monthly statements they provided countless times and the statements they provided do not, in any way, support the decision they made. There is no pattern of use evident in these monthly statements. The ATM the fraudulent withdrawals were made at was not used by me at any point in my history that they provided. The only time the credit union or the ATM the withdrawals were made at show up in my monthly statements or my history, is when the fraudulent withdrawing occurred. There is not one single other transaction occurring in this location otherwise. This fact alone is proof that US Bank could not have denied my dispute based on a pattern of use, as no pattern of use exists. There was never a use at all therefore no pattern can exist. My location tracking and a signed affidavit from my employer, combined with the fact that there was no prior use to establish a " pattern '', are three very sound reasons to question US Bank and their deceptive practices. They are allowing the theft of my money from my government payroll card and are aiding the thief by being deceitful themselves. And please do not respond to me and tell me to get a lawyer. I can not retain an attorney, the bank stole my money, so that is not an option.
Product: Consumer Loan

I am member of USAA. On XXXX XXXX, 2016, I was searching to purchasing a vehicle through the USAA car buying service as USAA offers a rate discount if the car is purchased through their service and the financing is secured through them. The rate discount promise was incentive enough for me pursue purchasing the car and seeking financing through USAA. I ended up being approved for the car loan at a normal 3.85 % rate and a .50 % rate further discount for using the USAA service. I then sought a car, which found and purchased through the USAA car buying service and made arrangements to go to the dealership to take delivery of the car on XXXX/XXXX/2016. I went to check on the loan on XXXX with USAA and noticed the rate discount was not applied yet. I contacted a representative that day and that representative told me my rate would take up to 14 days to apply. Then on XXXX/XXXX/2016 I checked for the rate discount on USAA.com and noticed it was not applied. I then inquired about this. After much discussion with a USAA representative on their chat service, USAA said I was not eligible for the rate as they did not have record that I purchased the car through their service. There are clear indications that I did seek the car through the service and secured financing through them. The car I purchased is saved to my profile on the car buying services and USAA has agreed that the dealership is a part of the car buying service. They claim I did not print out a certificate and that disqualifies me from the rate discount, but no one told me I needed a certificate and the dealership did not ask for XXXX. The dealership, XXXX XXXX XXXX, is a USAA dealer and I should get the discount. USAA led me into securing the loan through them with the promise of the rate discount that never happened. I have excellent credit and I lost out on opportunities to seek better financing terms. USAA baited me into the loan under the promise of a lower rate..
Product: Mortgage

We purchased a home on  XXXX / XXXX / XXXX  and with the mortgage financed through  XXXX ,  XXXX . The loan was sold to  Ocwen Loan Services o n  XXXX / XXXX / XXXX . In  XXXX  of  XXXX  I received a letter from  Ocwen  stating that there was an escrow shortage of {$170.00} and a coupon asking for payment. Called  Ocwen  asking why there was a shortage but they could not explain why. Said said that an audit was done and it came up short, not because of taxes or insurance going up. Didnt know why, but I have to pay it..     My original loan payment with   XXXX   was {$1500.00}. In  XXXX   XXXX  Ocwen increased it to {$1600.00} and in  XXXX  they increased it again to {$1600.00}. No letter was sent to me notifying me of a payment increase either time. Again I called them and was told the increases were due to the escrow shortage that they still are not able to explain to me. After the increased payment for  XXXX  was paid, they still told me that the escrow shortage balance was {$170.00}. No reduction.     Due to a recent financial hardship, I submitted loan modification paperwork to them on  XXXX / XXXX / XXXX . All the documents that they requested were mailed to them, including bank statements, tax returns, income verifications, Social Security numbers and the completed application. The Relationship Manager assigned to my case was  XXXX   XXXX . He told me that documents ( which I had sent ) were missing and that I needed to resend them, which I did. Sent him an email asking that they need to be located and to check with the person that opened the package and entered the info in their system. No reply. Several days later they told me they had received everything and they would let me know the progress. They also told me that they had good news that another audit was done and now theres an escrow surplus. A check for {$240.00} would be mailed to me. Then next time we spoke there was conveniently no record of that conversation. And no check was mailed. They also told me they were again missing the same financial paperwork that I have been resending  . Sent Ocwen an email ( attached ) regarding these issues and again, no reply.
Its a disgrace that the consumer has no say in loans being sold and taken over by companies like Ocwen. Amazing how many Ocwen   complaints are on your website and yet they are still in business.
Product: Checking or savings account

I have been a RBFCU customer for years now and their fee charging practices need to be looked at closely. I believe their rules to charge fees are unfair to the customer, especially when compared to other Big Financial institutions. I have given this credit union a lot of my business since the past few years and being profitable to them. I have never incurred any fees. 
Here is what happened We did 2 transactions at the same time one debit transaction and one credit transaction from the same account. We paid our XXXX Credit Card Bill from Checking XXXX on XXXX and the same time we moved money from RBFCU account XXXX to cover the transfer from the checking account XXXX. Now RBFCU pulled the credit card payment first and then credited the transfer when both were done the same time ( between 3 mins of each other ). That triggered 2 separate fees one on RBFCU XXXX account and another on XXXX. The first fee was the insufficient funds fee of {$24.00} that was triggered on XXXX of XXXX on XXXX because RBFCU did not credit the transfer before pulling the credit card payment it also rejected the payment on the XXXX card on the XXXX and re-applied the payment back on the XXXX card successfully on the XXXX. 
We reached out to RBFCU customer service explaining this scenario and their representative says they can not waive this fee as it was a valid fee and it was not an error. I believe its an error to blindside customers when we are moving funds between accounts to make payments across financial institutions and the unseen / unknown rules that are put in place by RBFCU that unnecessarily trigger fees when our intention was not to have insufficient funds in our account or deliberately incur any fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, US DEPT ED account # XXXX, XXXXDOE account # XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX XXXX XXXX  - XXXX, XXXX  - XXXX, XXXX XXXX XXXX  - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX, "
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00} 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with 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 in 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 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: Mortgage

I just received a 'notice ' from Seterus stating, " Thank you for your recent request for assistance ..., while your request was carefully considered, your loan could not be approved ... ''. I would simply like any sort of proof that I ever asked for any sort of such assistance from Seterus. I have asked to provide information and validation and authorization that Seterus is the servicer of my loan, and those many requests are well documented but after approximately 6 months, Seterus still has not provided anything legitimate or legal but yet continues to harass me.
Product: Prepaid card

Received a {$700.00} American Express Reward Card from employer. Attempted to use online at 3 different merchants. Called Amex multiple times. Each time I'm told card is in a 24 hour waiting period - Or I need to use the card where Amex is accepted. I tried using card with XXXX. XXXX was declined. Amex won't help. Simply says I need to wait 24 hours. Individual stores won't help, say I need to call Amex.
Product: Credit card or prepaid card

The Virginia Commonwealth Unemployed Insurance benefits program uses the WAY2GO card service issued by XXXX XXXX  - run by XXXX XXXX. 

WAY2GO sent me an email informing me an attempted information change on my UI benefits card. The last digit of my phone number was changed by one digit ; my address was changed to XXXX XXXX XXXX XXXX, XXXX South Carolina, and my email was changed to XXXX. 

There was no way to close the account, verify my identity ( without submitting more identifying information ), or cancel the service provided by Way2go.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Received solicitation for a loan as " PreQualified Offer ''. Went to website to inquire and see what was involved as I know the difference between " prequalified and preapproved ''. The online process had 4 steps. Steps 1 through 3 made the claim " this will not impact your credit report ''. At the end of step 3 a message appeared naming my application " pre-approved ''. The 4th step included a notice that this step MAY impact your credit report. I would not have proceeded except for the " pre-approved '' status from earlier step. My information and documents provided matched my application but I was denied after being pre-approved. Company claims this is standard practice but in my experience Pre-Qualified really just means pulled from some list of criteria whereas preapproved means if your information as shared is true, you are approved. So, despite my best efforts to be cautious I have a credit ding owing to their practice which may or may not be legal but if you go through their online process you will see it is deceptive
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2023, I sent a letter ( attached ) to Transunion notifying them of UNAUTHORIZED credit inquiries by unknown financial institutions that did not have any semblance of authorization to pull my credit. Since that time, now 5 weeks later, Transunion has yet to respond with anything resembling having done an investigation, corrected my credit report, and supplied an updated report.

As per federal law, credit reporting agencies are required to conduct an investigation within 30 days. Transunion, in typical transunion fashion, failed to do so, in complete noncompliance with the law.

Therefore I turn to CFPB to a ) seek remedy, and b ) ensure Transunion is held accountable.

Should transunion fail to correct the record, I will reserve my right to bring small claims action under FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

the transunion credit reporting company continues to report late payment on my student loan accounts with navient, I have explained to them that the account was not in late payment status and that it is in forbearance status for the dates that are reporting as late. the company has sent this proof in written form and it is attached showing that those showing up as late were in fact covered by forbearance status. please update the record to reflect that this account is not in late payment status and that the account was never late IMMEDIATELY as this inaccurate reporting is damaging my name.