23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX XXXX PHH took over servicing of this loan. I had prepaid the PMI to the previous lender therefore there should have been no PMI charged to this loan when PHH took over. In XXXX XXXX I received an annual notification of PMI on the account. I do not have a copy currently, but I did call the servicer to remind them there should be no PMI on this loan. They confirmed it was just a notification. I received the same PMI notice in XXXX of XXXX and called again to ask why do I keep getting this notification if there is no PMI on this loan. They told me that the PMI was not in place and to ignore the letter again. I asked for documentation to be provided to me in writing that there was in fact no PMI on my loan. I received a letter dated XX/XX/XXXX that stated PMI was active on the account however it was terminated on XX/XX/XXXX ( see attachment letter dated XX/XX/XXXX ). I received another letter dated XX/XX/XXXX congratulating me on the cancellation of PMI and other terms about potentially having to repay any final PMI payments. See attachment letter dated XX/XX/XXXX. In XXXX of XXXX, I received a check in the amount of {$480.00}. I had no idea what it was from. I looked at my account online and it simply was listed as misapplied funds, misapplication reversal dated XX/XX/XXXX. See attachment C. I called PHH asking what the check was for. They said it was in regards to the cancellation of PMI. I said are you sure? I can cash this? They said yes go ahead. I then cashed the check and spent it and no longer have those funds available. You can pull their recordings of these calls over the years I hope if need be. This then led me to question how much in fact PMI had been held in escrow on my account as I had no idea how the figure of {$480.00} came to be. That was the the other part of my inquiry, how that amount came to be. I then submitted an inquiry asking for a total amount of any PMI paid on this loan as well as an explanation in writing of the {$480.00} check noted as misapplication. I received a letter dated XX/XX/XXXX then telling me I was in fact required to have PMI, to ignore the two other letters I received, and that the {$480.00} check was in error and that I had to repay it back to my escrow account. I then noticed on XX/XX/XXXX they charged {$480.00} back to my account listed as mortgage insurance disbursement ( see bottom of attachment C ). I immediately called back PHH on XX/XX/XXXX upon receipt of the letter as I was now utterly confused and the letter dated XX/XX/XXXX did not resolve all of my previous inquiries. I had to escalate the issue. See attached letter dated XX/XX/XXXX. This letter also then indicated PMI would be reactivated on this loan, adding additional confusion. I am also including a copy of the inquiry I submitted to the first servicer when I completed the refinance and paid the upfront PMI premium.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported 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 XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Checking or savings account

Yesterday on XX/XX/XXXX, I wanted to purchase a XXXX XXXX XXXX from XXXX XXXX and saw a seller that had it, her name was XXXX XXXX, i decided to message her and tell her to send me additional photos and she did but when i asked her to show more she decided to not and call me rude things such as who does this and why do you need proof as I have the item already? However after that she blocked me and refused to give me money after I made the transaction through XXXX. I have already contacted XXXX but they are not cooperating with me. The purchase amount was {$38.00} through friends and family. The seller was eventually a scammer who I knew nothing about until I saw today about a post on her. Please do help, this amount of money is not a joke to me.
Product: Checking or savings account

On XX/XX/2020, I deposited a check in the amount of {$2900.00}. This is the same amount I deposit every month to cover my mortgage payment and from the same bank account I always deposit. I have never had a return item on my account. The check I deposited cleared from my account on XX/XX/XXXX. When I inquired about the extended hold through customer service the individual indicated that because I had written out the amount of the check differently than I normally caused the system placed an extended hold. I wrote out the amount XXXX XXXX and XXXX XXXX dollars vs. XXXX XXXX XXXX XXXX dollars. They have a hold on this check until XX/XX/XXXX causing my account to be overdrawn and will not release the hold. Was charged a {$35.00} overdraft fee but after I made a call they reversed but would not remove the hold. It seems like the extended hold placed was not appropriate and a violation of regulation cc, especially since I never had been overdrawn or had a returned check. Again, this is the same Ck I deposit monthly for my mortgage payment to Bank of America.
Product: Credit card or prepaid card

Bank of America Customer Service CLAIM XXXX I am a victim of cyber crime. I on XX/XX/2020, I went to my XXXX  appointment at the XXXX XXXX XXXX XXXX, took cash out of a non-bank ATM machine fo use for the trip. Twos days later found my card was not working. So I logged in, found my card deactivated and two transactions on my account I did not know anything about with many more declined after those two. My account had been deactivated by the bank for suspicious activity A fraud screen appeared before my online account and I declined the transactions that I did not do. I was at home sleep with my card. Apparently a criminal cloned my card and was used it. I had set spending limits on my debit card somehow those limits didn't matter and money was taken out anyway. I was glad most of my money was in saving out the reach of the card or more would have been taken. 
I notified the Bank immediately. I was given a temporary credit for those fraudulent transactions. 
See attached. 

Few days later the credits were reverse and my calls to the Bank began. 

I also checked the consumer section of the Federal Trade Commission website and to para phrase ; I should get my money back for unauthorized transactions as long as I make notification within 60 days of statement. 

I did just that and notified the Bank XXXX online after discovery. ( See Bank receipt ). 

I am XXXX XXXX and it would have been impossible for me to make those DC withdrawals and purchases. 

So where is my refund for the rest of fraudulent transactions?? I am still due {$100.00}
Product: Mortgage

My initial request for mortgage assistance through Well Fargo began in XX/XX/XXXX. I became unemployed in XXXX of that year but I had enough savings to maintain my payments. I began reaching out to the Home Preservation program I was assigned a representative. However, calls to said rep went unreturned, and I began falling behind on my payments. I was left to believe that I would not receive any assistance to help me avoid foreclosure. I sought the assistance of the KeepYour Home California program. Upon qualifying for the payment assistance program some payments were made to Wells Fargo on my behalf. The application process took several months before it made the first payment to Wells Fargo. The Keep Your home program began making payments in XXXX. Wells listed several programs and I was denied access to them all. I initially filed XXXX XXXX in XX/XX/XXXX to avoid foreclosure. I believe that if Wells Fargo would have offered me any of the programs they advertised the forbearance program, a reinstatement program, or a loan refinance program the equity value at that time was greater than the balance of the loan. Had I been allowed access to any of these programs I would have been able to avoid the expenses associated with a XXXX XXXXXXXX filing. I do believe I deserve some relief for all the anguish they have caused my family and myself.
Product: Debt collection

This company, XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX previously sent letters stating I owed on a credit card account. They said legal action would be taken if I did not pay the debt. I requested information and to cease communication if they refused to send information. They followed with a letter stating it was my responsibility to deny the debt. I again asked for a cease and desist. One year later, they contacted me about a different credit card account they bought, presumably in my name. They filed a judgement against me. On the date of the initial appearance their attorney did state I had a cease and desist order prior to this account in reference. At no time has the company sent information regarding either account. I have court tomorrow and they've provided no documents. I also do not owe what they say but I cant afford an attorney and may likely lose the case.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

GOLDMAN SACHS BANK USA is reporting my personal financial information to the credit agenciesXXXX XXXX XXXX XXXXwithout my written consent for XXXX accounts ( accounts starting and ending in XXXX & XXXX. Effective immediately, they need to cease submitting this information, as it constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

According to the Fair Credit Reporting Act 15 USC 1681 section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Goldman Sachs is a financial institution by definition under that title. 15 USC 1681 section 604 a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Goldman Sachs, the XXXX XXXX and the XXXX reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and Goldman Sachs, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Goldman Sachs never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( XXXX ) states " Except as authorized under subsection ( b ), 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 XXXX years. '' These accounts are an adverse item Goldman Sachs is reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( XXXX ) A states " 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. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question certain records in my file coming about because of some inattention. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, block the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$97.00} ; XXXX  XXXX Balance : {$53.00} ; XXXX  XXXX Balance : {$76.00} ; XXXX  XXXX Balance : {$71.00} ; XXXX  XXXX Balance : {$63.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$91.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please CFPB transfer the documents to Nelnet. Thank you!
Product: Debt collection

I received and email alert from XXXX XXXX, stating there were changes in my credit report, when I checked there is a collection from Midwest Recovery Systems for XXXX XXXX for {$630.00}. I do not have any knowledge of this debt nor have I received any communication by phone nor written from these people letting me know anything nor validation of debt. I demand this item to be removed from my credit report since they violated the FCRP by not notifying me of this debt nor proof of validation, and completely be removed. I have also filed a dispute with the credit report company.
Product: Consumer Loan

I went through the pre-approval process at a local jeweler to see the amount of a loan I could get approved through Wells Fargo for an engagement ring. Neither the paperwork or the jeweler ever mentioned opening an account with Wells Fargo, and I left the jewelry store that day without making a purchase and without ever speaking with Wells Fargo to open the account. About a month later, I received a credit score that mentioned I had a line of credit that had been open for about a month. While I was confused at the time, it sounds very similar to what has happened with many consumers that have been scammed by Wells Fargo. At the time, I called Wells Fargo to close the account and clear up the confusion - and even mentioned that the account was opened without my knowledge. The representative on the phone said there was nothing they could do to clear the account off of my record. I did not come to the realization until reading further into the scam that I was definitely victimized by Wells Fargo, and they did not take steps to correct the mistake and have not reached back out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I contacted XXXX XXXX, and spoke with XXXX in customer service. I informed him, that I received an offer through XXXX XXXX. In addition, I asked XXXX, what credit bureau do you use, and whats the target score for refinancing? He told me, we use XXXX, and you need a XXXX minimum score. XXXX also requested my identity be emailed. I gave him the mileage and payoff verbally, emailed drivers license, insurance card, and registration. Afterwards, he ran my credit he blantly lied, that my XXXX score was XXXX, I told him he wasnt being honest, and emailed the XXXX score XXXX, and XXXX XXXX XXXX offer. Next, he lies about me being {$6000.00} over, he had the payoff, and didnt tell me I was over the limit. He never should have ran my credit. The manager XXXX continually lied, that my file was with a special team. I requested my points be reversed for the credit pull, and more lies and shenanigans is all I received.
Product: Debt collection

A debt appears due to equipment I was not able to return until everything started to open back up due to COVI19. I do not owe XXXX  for services and the equipment has been returned to XXXX. This company keeps adding this debt to my credit bureaus and reporting new every month. I have tried to dispute it to no avail. They are not available on the phone when I've tried to call them.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and identified XXXX reported late payments on an account where I have consistently made on-time payments. XXXX XXXX XXXX hold a critical role in ensuring the accuracy of reported information and are obligated to maintain Maximum Accuracy under the Fair Credit Reporting Act ( FCRA ). 

For the account ( account name : XXXX XXXX and number : XXXX ), I firmly assert that I have never been late with any payment. I request an immediate investigation and demand verification through detailed account statements proving the alleged late payments. If such proof can not be provided, I demand that these payments be corrected to reflect their accurate status as on-time. 

Thank you for your prompt attention to this matter.
Product: Mortgage

On Tuesday, XX/XX/2020 XXXX XXXX  I sent an email to XXXX XXXX, NMLS ID # XXXX, a Mortgage Loan Officer for PNC Bank , National Association ( NMLS ID # XXXX ) associated with XXXX XXXX XXXX, XXXX, NJ, XXXX office. 

The email included the address of an apartment, salary information, purchase price, and loan amount information. As we have previously worked with Mr. XXXX to obtain pre-approval letters, I was looking to engage his services again. 

On or about XX/XX/XXXX we have finished our application on the PNC portal and a credit report was pulled against our social security number. 

On XX/XX/2020, XXXX XXXX, my wife email the chain and informed Mr. XXXX that our offer was accepted, and Mr. XXXX asked to speak with her. On that call, Mr. XXXX said that he will not provide a Loan Estimate before we commit to PNC as our lender and provide a fully executed purchase price. 

On XX/XX/2020, XXXX XXXX  I emailed Mr. XXXX and reiterated that we provided all the information required to get a Loan Estimate per TILA-RESPA, and asked him if there is anything else that he was missing to issue a Loan Estimate within 3 business days. 

On XX/XX/2020, XXXX XXXX Mr. XXXX emailed back and asked me to call him about next step. During this call, Mr. XXXX said that he's been doing this for 20 years and never issues a Loan Estimate before a borrower commits to working with him because " he doesn't want people to shop him around ''. I asked if he refused to follow TILA-RESPA, and he said that PNC is very compliant and the online system would generate it if it was legally binding. 

I then tried to get back to the PNC portal, and the only thing I could see is that more information is needed and I need to contact Mr. XXXX. 

I then emailed Mr. XXXX at XX/XX/2020, XXXX XXXX  explaining that there was no way to enter any information in the PNC Portal and listed out the info we have provided him and when we provided it to him. I wrote that I expected a Loan Estimate within 3 business days in accordance with TILA-RESPA. 

On XX/XX/XXXX I called PNC 's customer service and described the situation. The representative was very concerned and assured me that the Legal department will contact me within 24 hours. 

I never heard back from anyone at PNC.
Product: Checking or savings account

My company check was stolen, copied, filled out for {$2200.00}, signed by a non authorized signature, and cleared mobile deposit to a XXXX XXXX, no idea who that is.
Product: Bank account or service

SYNCB/CCARE1 ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : C/O XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/CCARE1 or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/CCARE1 or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX