23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

BMO Harris Bank conversion of Loan Servicing to XXXX XXXX  XXXX which took place XX/XX/20 - XX/XX/20 XXXX Written notification, sent by mail, was received less than 14 days in advance as is required by law. 
The letter was printed on XX/XX/20 but was not received until Monday XX/XX/20. 
This only allowed 10 business days to find an alternative. 

I did not wish to work with XXXX due to their numerous negative reviews. 

2-They could have emailed me about the conversion 14 days in advance, but did not. They emailed me a " reminder '' TWO DAYS before the conversion on XX/XX/20. 
They have emailed all my statements in the past, so they had this information and could have used it but chose not to. 

3- I paid the Payoff Amount on XX/XX/20, this included the 17.23 interest due. 

4-On XX/XX/20 XXXX sent a statement billing me a second time for the 17.23 interest. 
The statement even shows that I paid the 17.23, yet they are demanding it again. 

5- XX/XX/20 I used the BMO Harris `` Contact Us '' form to request correction of their billing error. I gave them detailed information including account numbers. No response. 

6- XX/XX/20 I used the BMO Harris `` Contact Us '' form to request correction of their billing error. I gave them detailed information, including account numbers and statement copies. No response. 

7- XX/XX/20 I sent a letter by mail to request correction of their billing error. I gave them detailed information, including account numbers and statement copies. I asked them to close my account and reflect this was done at my request and signed the letter. No response. 

8- XX/XX/20 I emailed Mr. XXXX XXXX CEO of Harris , to request correction of their billing error. I gave detailed information, including account numbers. I asked him to close my account and reflect this was done at my request. 
No response. 

9-I tried calling the 800 number several times over several days and all it does is loop from one voice menu to another. It is impossible to reach a person. 
There are likely understaffed, as they have numerous jobs posted on XXXX, XXXX, etc. 

XXXX has a horrible track record and mostly negative reviews. 
I do not want these people to destroy my good credit. 

It is appalling that from XX/XX/20 through today, XX/XX/20 there have been no responses in any way shape or form regarding my communications. 
Isn't it a law that there must be a response within 5 days?
Product: Mortgage

Our complaint is with PNC home mortgage loan department, specifically with XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX based out of IL and possibly Michigan from the phone numbers. We were referred to work with XXXX XXXX through our local PNC branch on XXXX of 2019. Initially everything was going smoothly and our credit report was ran and we received a preliminary pre approval, then wanted to get a final approval so that we could start looking for a home in a decent price range and were left with no answers from the senior loan office XXXX XXXX. We left messages sent emails with no response and it wasnt until we were able to connect with our local branch and speak with an employee there who the reached out to her supervisor and magically got a hold of XXXX XXXX. Upon speaking with XXXX XXXX we were told we could begin searching for our home and could use our preliminary pre approval to do so. We found a home rather quickly which then began the nightmare of working with this individual and everyone who we were told to contact for assistance and loan processing. We put in an offer on the home and it was accepted the same day and were told by XXXX XXXX that everything was good to go for a closing date of XX/XX/XXXX and even receive paperwork with this date so adjust our work schedules accordingly. Upon the acceptance of our offer and moving forward it has been nothing but XXXX. We receive emails for the request of further information needed and we left hanging with no phone calls from the lender to discuss this and when we call and leave multiple messages to the point where mailboxes are full, no calls are returned. When a call is returned it is always that more information is needed or that a mistake was made on the lenders end so we need to move the closing date out further. XXXX XXXX is the manager for XXXX XXXX, also never returns calls or emails, but XXXX admitted that a XXXX dropped the ball at one point in the process and it delayed things. Then XXXX admitted hat she submitted the wrong employment dates to the IRS and this is causing another delay. This individual has made this experience of home buying a toto also nightmare and disaster. Our realtor has reached out several time to our lender and left several messages with responses that are truly unexplainable from XXXX XXXX. Since every call is recorded I would love for someone to investigate what exactly is going on with our mortgage loan because this is unheard of. I have emails Ive send to everyone who is working on this loan and no reply. Purchasing a home should no be more than 30 days, when investigates you will find that this process has gone on for well over that and we still have yet to receive a final answer and are expecting our XXXX child in XXXX.
Product: Credit card

In accordance with the fair credit reporting act, American Express has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

I have had an American Express Blue XXXX XXXX credit card since XXXX. I have never missed a payment and do my best about paying them on time. My payments are due on the XXXX of each month. The payment that was due on XX/XX/XXXX was paid on XX/XX/XXXX. When the XX/XX/XXXX payment became due, I was running short, waiting to receive a check from work before paying it. I knew I would be charged a late fee and was okay with that since I needed a little time. I received my check on XX/XX/XXXX and immediately logged into the AMEX app to make the payment. I was unable to make a payment and my credit card had already been cancelled and sent to XXXX XXXX XXXX, XXXX. for collections by American Express. I received an email from AMEX dated XX/XX/XXXX stating the card was being cancelled and was not given a reason. I also received a Notice from a debt collector XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX. When I called AMEX on XX/XX/XXXX, I was told that my account was cancelled and I needed to contact XXXX XXXX XXXX, XXXX. for additional information. American Express has also reported the past due debt to the credit bureaus, effecting my credit score significantly, even know they won't allow me to make the past due payment. I have provided proof that my account was not even 30 days past due at the time of account closure and when sent to collections and was unable to make the payment prior to the 30 days. 

All corresponding documentation is attached, including the email from American Express on XXXX Payment history to American Express for the last 12 months, Notice from debt collectors XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX, and correspondence with American Express customer service dated XX/XX/XXXX and XXXX, XXXX attempting to make payment.
Product: Consumer Loan

I am contacted several times a day by Gatestone and company international. They call on my cell phone and leave automated messages. However, today XXXX XXXX, they left XXXX messages on my work phone. I work XXXX and I am extremely concerned how they received my work number. I work XXXX with an extension, but my extension is not provided on the initial phone menu when you call. When this company tracks down my work number, which is not easy to do, I feel that this constitutes predatory, aggressive behavior. My work was interrupted twice when I had to stop teaching in order to answer the phone, only to get an automated message. Interruptions like the one 's Gatestone is performing could cost me my job. The automated message does not state what type of debt is owed, to whom, or for how much. I can choose whether or not to have my ringer on my phone on, or whether to answer the cell phone or not, but my work phone, during school hours, are for emergencies. When someone obtains information regarding where I work, and performs such convoluted hurdles to speak with me, it makes me feel violated and fearful on who is searching for my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied  XXXX XXXX XXXX on XX/XX/XXXX. They did a background check at sterling on me. There is a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and it is over 7 years old. It is 11 years old. The charge date is XX/XX/XXXX and the disposition date is XXXX XX/XX/XXXX. Ive been denied at XXXX and XXXX also but it has been couple years ago. But is it true its only suppose to be on my file for 7 years? If so will you please update my file. Also on the other XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX isnt suppose to be on there because I did drug court and it was suppose to be expunged. I was told that at court. That was part of the plea agreement
Product: Credit reporting or other personal consumer reports

Prior to Pandemic I had Impeccable Payment history XXXX credit score, I value being a financial responsible client/consumer. However, during Covid-19 I suffered from a major hardship, I had great death in my family I lost my former husband, who at the time was my primary source of income. I also was laid off my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to Barclays Bank of Delaware XXXX in reference to 2 Accounts that I had at the time with them. ( XXXX & XXXX ) and requested Hardship options, I agreed to do a settlement with lender account was paid. I was informed me that account would be kept current, no late payments will be reported due to me agreeing to settle account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that creditor remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditor adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amends Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts still remain the same inaccurately Late Payment history.
Product: Credit reporting or other personal consumer reports

According to XXXX v Transition XXXX. Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : 15 USC 16815 : Account # XXXX, XXXX XXXX XXXX, Placed in Collections XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding Esperian 's completely non-existent customer service. 

On XX/XX/XXXX I received a postcard from XXXX XXXX asking me to confirm a change of address request for my Everyday Checking account and Platinum Debit Card. 

On XX/XX/XXXX I called them to let them know I don't have and have never had a XXXX XXXX account or credit card. They let me know that someone recently opened online those accounts using my name, address, and social security number. ( I'm waiting for a letter confirming they've taken care of closing them and that I'm not responsible. ) On XX/XX/XXXX I did some research about what to do to protect myself now that I knew someone was using my info. I learned I should immediately put a one year fraud alert on my credit report as well as a freeze on my credit reports. The fraud alert only has to be done once, but the freeze must be done individually at all three companies. 

I had no problems with XXXX and XXXX. I was able to go to their websites and open a free account and take care of the fraud alert and credit report freeze. 

Experian was very different! It would not work when I tried those tasks and/or open a free account. After filling everything out it would say it's unable to do it and it showed turning gear wheels showing something was wrong. I tried another server to see if that made a difference. It didn't. I was unable to do anything. 

According to their website it was during business hours and I should have been able to talk with somebody, so I called. WHAT A NIGHTMARE! No matter what I did I just kept getting looped back to the same menu options! I tried every possible option multiple times! It was absolutely impossible to get to a real person! Because I wasn't a paying member, I had no account number to enter. That may be why they designed their phone system so that I could not talk with a person or get any other help. INCREDIBLY FRUSTRATING AND NOT THE CONSUMER PROTECTION OR HELP THEY SHOULD BE PROVIDING! 

Since you are the agency that oversees them I thought you should know and hope you are abler to get them to change these abusive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted XXXX Experian and XXXX to remove these fruadulent accounts and inquires and they have affected my mortgage buying process.i have provided A notarized identity theft report and they have chose to still not remove these accounts and negative inquires. 

I demand these fraudulent inquires and accounts be removed within the next 7 business days.
Product: Credit card

Please see attached. 
I reserved a trip but had to make a change. Instead of changing for me they cancelled and charged me almost XXXX in fees. I called the companies direct and reinstated the reservations but the company is charging me cancellation fees they say are going to the hotel. The hotel honored the reservation and did not collect any fees or cancellation from the company at all. If this is allowed to happen then the internet travel company can make thousands of dollars by doing nothing and ruining peoples trips. I honored the reservation, went on the trip, paid the hotel and did NOT cancel. They did because they use overseas english as a second language sales support. They cancel my trip by accident / confusion, and I pay an additional XXXX??? and have to start all over again? ( I used XXXX XXXX Packages which subs to XXXX ) who is operated in XXXX and has no US based support and does not answer the phone, cant get same people, give you no case number and already agreed to refund but never did.
Product: Payday loan, title loan, or personal loan

I took out a personal loan from One Main financial for XXXX. I paid it down to like {$6500.00}. 
i started having some financial issues & sought help from XXXX. XXXX XXXX XXXX The negotiated to pay off XXXX the debt with One main. I decided i no longer liked XXXX & started paying off debts myself. One main then negotiated with me installments of {$150.00} to be deducted from my account every month. I have that paper. at the end my last payment i called and said can i have proof of my payoff & the lady that negotiated with me advised that was my proof. I would still be getting notifications /c it was automated. I did so i disregarded anything from One main. I then went to pull my credit b/c i wanted to purchase a residence, ( but couldnt/ cant b/c of this ) an amount of est $ XXXX is with a collection agency. they said its from non payment to One main. Ive been going back and forth. They said they dont have that phone call, but they have all the others. I also asked for proof of the {$1000.00} they said i didnt pay and that voided the negotiated terms, which they still have not sent me. So now after paying them est {$3000.00}. they sold a debt. to a collection agency for est. $ XXXX. it makes NO sense to me. The collection agency did not even have all the accurate information. I provided them with the negotiated debt with One main & XXXX. When i called one main the first time. They said they dont have any information on my account b/c it was sold to the collection agency. Then after multiple calls to XXXX they were able to find the information. The CA sent me list of bills that XXXX had sent to me that i disregarded b/c i was advised to do by XXXX so after my last payment. Also mean while they are debiting {$150.00} each moth im still getting bills for large payment amounts and late fees. They Do not have the process in order or the information. its not right that i now have this negative mark on my credit report & delaying my house buying process b/c of this. On top of that its very frustrating and causing me XXXX  to deal with this thinking i have to pay for something i already paid for. I keep loosing out on good deals for homes b/c this messed up my scores.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 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

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-
Product: Mortgage

Received letter this year XXXX in XXXX from Loancare stating the following... 

" According to our records, we issued you check number XXXX for your mortgage loan in the amount of {$4100.00} on XX/XX/XXXX. Refunds are usually due to excess funds in the escrow account. As of XX/XX/XXXX, our records indicate that this check has not been cashed. '' It then requests I confirm information and mail back to them. I called to confirm this was legit and through many phone conversations and push back, I finally got someone to confirm this was legitimate and to simply follow the directions of the letter. 

I called back to get confirmation they received it since I handed directly to mailman and they again gave me the run around without confirming. The letter shows they now have until 8 weeks after XX/XX/XXXX to issue a new check. That seems ridiculous and I don't believe they ever sent initial check or I would have cashed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion credit reporting agency in regards to this matter to dispute the claims of past due balance reporting false and negative info on my consumer report. The information keeps reporting after several attempts to correct this problem.
Product: Credit reporting or other personal consumer reports

ITS BEEN PAST FOUR BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM OF HUMAN TRAFFICKING THESE ACCOUNTS WERE THE RESULT OF THAT TRAFFICKING PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO HUMAN TRAFFICKING. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE