23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

When funds were low and deposit was pending they charged my savings account the fee. Then started it couldnt be over 4 hours at a {$0.00} on the account before you got a late fee.
Product: Credit reporting or other personal consumer reports

I noticed unanthorized inquiries on my credit report that I would like removed include the following # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX JPMCB XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/XXXX # XXXX JPMCB on XX/XX/XXXX according to the FCRA, these unverified and unauthorized items must be removed.
Product: Mortgage

United Wholesale Mortgage agreed to a mortgage with me. I put 15 % down. this will incur PMI. the property I am purchasing is a 2-unit house, I will be residing in one of the units. per XXXX XXXX, PMI for a 2-unit can be requested to be terminated when the loan is at 70 % of value of the property. AND no matter what the PMI should be terminated at the mid-point of the loan. 

United Wholesale mortgage is claiming that PMI is to stay on for the life of the loan. 

during closing NO disclosure for PMI was included ( which is against the law ) and now UMW is refusing to write a PMI disclosure form demonstrating that PMI will be terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 6 months I have paid my mortgage early or on time and each month Ditech Financial LLC representatives have misapplied my payment to principal only. They than assess a late fee which I follow up with an on line chat or a phone call. Each month they have corrected the problem and reversed the late fee. 

Each month when I have communicated with them I have asked if there is something wrong with the remittance from my bank and have been told, " Not that they can see. '' When XXXX 's payment was misapplied I called and the person I spoke to told me that their system just did that sometimes. He suggested that I set up an auto-pay. I explained to him that since Ditech could not manage a simple payment application process correctly I was not inclined to open up my bank account to them and asked him to try to find a solution for them to receive and process my bank check properly. 

This past month they did neither and they also sent late pay information to credit agencies for myself and the joint owner. I paid the mortgage on XX/XX/18. It is visible in the on line history of my account. They again applied it to principal only. I sent a chat to have them fix it as I have done for many months on XXXX. I was less polite then normal and in response they have continued to charge me a late fee and have apparently sent incorrect information to the credit agencies about our on time payments. 

I have attached the records that are available to me on line so you can see the payment from theXX/XX/XXXX and the re-allocations before that to correct the same issue over and over again. I have also attached the record of my communications with them. Again over and over again. 

I have since them a registered letter and I am contacting your agency to see if there is anything you can do to help me resolve this issue. 

Thank you,
Product: Debt collection

A collection account was added to my credit report on XX/XX/2017 by a collection agency named XXXX XXXX XXXX at address XXXX XXXX XXXX XXXX, MA XXXX and telephone # ( XXXX ) XXXX. I am reporting this collection agency due to the fact that XXXX XXXX XXXX does not currently have a valid license in the state of GA to collect on debts. This information on the Georgia Secretary of state website states that their license is currently dissolved or expired. I am requesting that you investigate this matter or have XXXX XXXX XXXX to please provide me with proof that they are licensed to collect debt in GA. Thank you so much.
Product: Credit reporting or other personal consumer reports

They are vailating my rights according to the FCRA. XXXX never provided proper validation of the accounts that are in dispute including inquires according to the FDCPA 15 USC 1692 g I was never provided a sign affiliated under penalty of s from the furnisher stating that the account Information being provided is 100 % accurate according to law. XXXX was to conduct a proper investigation to provide the documentation outline above.
Product: Debt collection

I was an account holder with XXXX. My account # was XXXX. XXXX was notified that my Landlord revoked permission to have the dish on my roof. The rep was to cancel my account. I was advised I would NOT be charged a cancellation fee because it was my landlord who was revoking the permissions. A box was sent to me and the receiver was promptly returned. XXXX has acknowledged receipt XXXX XXXX, 2017. A few weeks later I received a bill for early termination and service use. I immediately contacted XXXX  and the rep I spoke with acknowledged my service should have been disconnected. She acknowledged I was being billed incorrectly for the termination fee. She also acknowledged I was being billed for two months of service after I returned the receiver. She advised me the issue would be resolved and I would receive no further bills. NOW I am getting a collection letter from IC Systems. They are advising my account is in collections. I advised I was disputing the debt. The collector stated I needed to contact XXXX directly. I spoke with XXXX from XXXX on Friday, XXXX XXXX, 2017. She was rude and disrespectful. She intentionally hung up on me and placed me back in the queue. The next representative barely spoke English and disconnected my call as well. I called back a 3rd time and XXXX  was my XXXX rep this time. She advised me XXXX did n't have access to my notes since the account was in collections. She advised I write to the corporate office. I spoke with XXXX XXXX at the collection agency. I was advised he was a manager. He offered to Settle the account. I advised him I am disputing this bill as false. I made him aware of my intentions to file a complaint. I have sent this complaint in writing to IC Systems as well as to the corporate office of XXXX in XXXX XXXX, CO. I am desperate to have this corrected. I do not want this falsely reporting on my credit bureau report. This debt is an error. If someone would take the time to read the notes on my file they would see the error by XXXX.
Product: Vehicle loan or lease

Hi I financed a vehicle through US Auto Sales in XX/XX/XXXX  and I am scheduled to make XXXX payments of {$190.00}. All of my payments are up to date, however I recently was notified there was a change in loan servicer to Westlake Portfolio. After an accident, the vehicle was repossessed by Westlake. 

The car is currently being evaluated for a total loss. During my time with US Auto Sales, I was charged extra insurance premiums and had to come out of pocket for repairs that should have been covered under the warranty. 

To be honest, Id like to have a vehicle that is covered under a solid warranty, that is within my budget. US Auto Sales offered me an upgrade after paying {$10000.00} of my loan and it seems that is no longer the case. If possible, feel free to reach out to me for any additional information or solutions.
Product: Student loan

Navient/Sallie Mae would not allow me to apply payments above the monthly amount due to higher interest loans and instead applied anything over and above the amount due to the loan with the lowest interest rate. This finally stopped last year, but had been going on for twelve years prior to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


BK XXXX XXXX : Account number : XXXX - XX/XX/2019 BK XXXX XXXX : ccount number : XXXX - XX/XX/2019 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that capitol one still has yet to remove an item from my credit report since 2018 which I never agreed to have them report this and paid it off. Capital one account # XXXX. Section 1681a forbids such actions. Also this was a credit card which was reported for late fees which me and a banker agreed would not affect my credit which was a lie. 15 usc 166a states that any written or oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation etc. 15usc 166b, I never received mail stating that I have grace period. they were also notified by CFPB and they sent me a letter stating that they would not remove the account which been on my account for 4 years illegally. they also allowed multiple entities to steal my money and closed my account for no reason with money in the account. I had no money and the bank told me I had wait days for the money to be released. this bank really stressed me out
Product: Checking or savings account

On XX/XX/XXXX, my wife and I opened a checking account at a local branch of Bank of America at XXXX XXXX  XXXX  XXXX, XXXX XXXX, CA XXXX with an initial deposit of {$100.00}. 
On XX/XX/XXXX, my wife 's brother sent a wire transfer ( gift ) of XXXX ( {$5800.00} USD ) to our Bank of America account from XXXX. 
On XX/XX/XXXX, we used {$5600.00} of the balance to make payments towards credit card accounts. 
On XX/XX/XXXX, a security hold was placed on the account by Bank of America, resulting in a subsequent overdraft of {$880000.00}. Upon notice of the " overdraft, '' I contacted Bank of America by phone at XXXX XXXX  and after speaking to XXXX, XXXX, and XXXX, was told that there was a " XXXX  hold '' that was to allow " the wire transfer funds to clear, '' and that the hold " should be lifted within 7 days. '' On XX/XX/XXXX, I called again ( XXXX XXXX ), and after speaking with XXXX, XXXX, and XXXX, was again informed that the hold was still pending. I was referred to the bank 's fraud department and multiple attempts to transfer my calls to the department were dropped and subsequent direct calls to the referred number XXXX XXXX XXXX XXXX, were also dropped. XXXX indicated that the bank had the right to hold funds they deemed " suspicious '' indefinitely and without explanation or notification of the account holders. 
As of XX/XX/XXXX, I am unable to resolve this issue with Bank of America or to access the funds in my account.
Product: Student loan

I presently have reported that I have a stalker and it is documented with federal agents. We have military and former FBI agents that have been altering and doing identity theft since XXXX in my accounted. My address was XXXX XXXX XXXX XXXX XXXX, Ca XXXX mailing address is XXXX XXXX XXXX XXXX Ca XXXX. I am in XXXX, IL and I am presently being stalked and harassed as documented on TV. I am unable to work due to this as they are a danger to the community. These are 8 FBI agents that have been fired from California in XXXX to present. Attempting to get us to change or statements and all evidence we have collected from their false investigation caused by community sell or give to Arizona as known to the school named as they had some on their campus.
Product: Mortgage

I received an email on XX/XX/XXXX, from the financial institution Mr. Cooper saying that my home mortgage was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper and they provided me with a new Mr.Cooper Loan Number and a transfer effective date of XXXX XXXX. 

I made the online account set up with Mr. Cooper, and was surprised with the monthly payment as it was showing the regular payment of the principal of {$2000.00} plus an additional Escrow amount of {$660.00} totalizing {$2700.00}. 

As I never had escrow in this mortgage I called Mr. Cooper and talked to an Escrow Account Agent XXXX XXXX XXXX, who informed that the mortgage was transferred from XXXX  with Escrow. As I questioned that I never had escrow in this mortgage, she replied that it was because I have not paid the property insurance. I firmly stated that I keep my insurance up to date and had already paid the policy for the period from XX/XX/XXXX to XXXX, then she made a tri way call with Mr. Cooper Insurance specialist. 

I stated again to Mr. Cooper Insurance Specialist that my insurance was always kept current, and was not aware of any issue with XXXX, that I never received any communication from XXXX  regarding lack of insurance for the property. She requested the proof of insurance to me and the contact information of my Insurance Agent. While I gave her over the phone the insurance policy details, my Insurance Agent uploaded in Mr. Cooper system the insurance policies for the last 03 years ( XXXX, XXXX and XXXX ). 

I confirmed that the carrier informed XXXX about the policy renewal, and due to some internal issue they placed insurance on my loan without notifying me. They did not even bill me for the insurance they placed throughout all the time I was with them. The attached XXXX  statements show that right before they sold the servicing to Mr Cooper they must have done an audit and realized they had not been charging me. At that point they billed you the full amount in arrears and placed it as a monthly escrow which appears on the last monthly statement, they then sold the loan and washed their hands from the issue. XXXX could not do that. I have provided my proof of insurance and can prove I had my own paid insurance from the start of the loan. 

Mr Cooper should have done a proper due diligence analyzing the previous mortgage statements to verify the integrity of the information they received from XXXX. Mr Cooper needs to contact the prior servicer and figure out how to resolve this issue, but either way I shall not be liable. They need to figure it out between them and remove the full amount from my escrow. Since Mr. Cooper is the current servicer its up to them to make it right. I do not agree to have any type of escrow in my mortgage account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion dropped my credit score 88 points due to a bankruptcy that I filed in XXXX. This was known to them for years. I discovered this on XXXX XXXX XXXX. 2 days later XXXX  does the same. This is unfair as this info is not new info. I have attempted several times to call Transunion on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to speak to a live person. I want a complaint filed. I want my credit scores corrected asap. I want a monetary settlement of some sort.
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX  - XXXX {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} XXXX  - XXXX {$100000.00} XXXX  XXXX - XXXX {$2300.00} XXXX - XXXX
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX **Subject : Factual Dispute Regarding Credit Reporting** Dear Credit Bureau Representatives , I hope this letter finds you well. I am reaching out with a heavy heart, as I must formally dispute information on my credit profile that I believe is inaccurate. 

The account in question pertains to XXXX. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute any information I feel is incorrect or incomplete. It is deeply concerning to me that the information reported by XXXX does not seem to meet the standards of maximum possible accuracy as mandated by the FCRA. 

The FCRA includes several key provisions that support my dispute : 1. **Right to Dispute : ** Consumers have the right to dispute any information on their credit report that they believe is inaccurate or incomplete.

2. **Investigation Requirement : ** Upon receiving a dispute, credit reporting agencies must conduct a reasonable investigation of the claim and typically have 30 days to complete this investigation.

3. **Verification of Information : ** If the agency can not verify the accuracy of the disputed information, it must remove or correct it from the credit report.

4. **Notification : ** Consumers must be notified of the results of the investigation. If the dispute is resolved in the consumer 's favor, the agency must provide a free copy of the updated report.

5. **Right to Add a Statement : ** If the dispute is not resolved to the consumer 's satisfaction, they can request that a statement explaining their dispute be added to their credit report. 

These provisions are crucial in ensuring that consumers like myself have the ability to correct inaccuracies that could negatively impact our creditworthiness. 

I kindly request that you investigate this matter and take the necessary steps to remove or correct any inaccuracies associated with my account. I have enclosed relevant documents to support my claim, and I sincerely hope they will aid you in your investigation. 

Thank you for your attention to this matter. I would greatly appreciate a prompt response, as the accuracy of my credit report is vital to my financial future.
Product: Credit reporting or other personal consumer reports

Inquiries on my credit report that I did not authorize. 

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

I talked to National Recovery Agency, and they say I owe them money. I don't know how. Maybe someone with a name like mine got mixed up. But I know my identity was stolen. Someone used my info to make new accounts with banks I never used. I'm working with banks and the three credit places to fix stuff because they got things wrong about me on my files. It's a different issue, but related. 

I want to say, the address they think is mine is wrong. I live in the same city, but not there. This is a big problem because it shows the debt isn't mine. Why is this on my file, and how did they get my info? And why didn't XXXX XXXX send me a real bill before giving my info to this company I don't know? 

This looks like someone stole my identity. They say they got my info from XXXX XXXX, but I want them to show a detailed bill, not just an email with a number saying someone owes money. 

If they can't show the bill, I want them to take this off my credit papers. It's not fair because of wrong stuff and identity theft. This is just more trouble that shouldn't be my problem.
Product: Debt collection

I moved and closed account with XXXX XXXX in XX/XX/2016. I understood all equipment was returned but apparently was not. I was not contacted by mail and company said they tried to contact me on old phone number and cell number ( voicemail was not left ). No mail notice was provide of outstanding debt, mail was forwarded to new address. XXXX XXXX put into collections with Berlin Wheeler in XX/XX/2016. I was contacted by them in XX/XX/2016 and immediately paid the debt. I am filing a formal complaint because I do not believe adequate notice or time was provided to allow for payment of unknown debt.
Product: Credit reporting or other personal consumer reports

I noticed there are XXXX inquiries that I never authorized or initiated. I have submitted a dispute previously and I was advised by a supervisor to resubmit with a proof of address. Therefore, I hope this will finally get this matter resolve.