23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I called XXXX XXXX XXXX of XXXX, NY in order to gain information regarding an allegedly defaulted student loan account in my name. 

I was put in touch with a XXXX XXXX, who insisted that I owed a total of {$1100.00}. This was in stark contrast with the amount listed on my Federal Student Aid account, which listed a due principal of {$820.00} with {$0.00} interest due. 

When I presented this information to XXXX XXXX, he became agitated and hostile, insisting that I owed an additional {$350.00} in interest charges. 

I pointed out to XXXX XXXX that I could not possibly owe Security Credit Systems that much, as this loan was serviced by another credit agency before XX/XX/XXXX, before being transferred to XXXX XXXX XXXX after that date by my original loan provider, XXXX XXXX, as disclosed to me with XXXX XXXX business office in a conversation which took place on XX/XX/XXXX. XXXX XXXX XXXX has serviced this loan for less than two weeks, and yet they are claiming I owe roughly 45 % of my principal balance in interest charges, to quote XXXX XXXX. 

XXXX XXXX then vacillated between claims that these interest charges were imposed by XXXX XXXX XXXX and, alternatively, the federal government. When I stated that these interest charges couldnt possibly be imposed by the federal government, as the Federal Student Aid website currently lists due interest charges for this loan at {$0.00}, XXXX XXXX again grew angry and demanded that I pay the requested amount immediately. 

It is clear to me, based on the very short length of time XXXX XXXX XXXX has serviced this debt and the significant discrepancy between XXXX . XXXX claims and the official amount listed as due on the Federal Student Aid website, that this is an attempt to charge an exorbitant and potentially usurious amount of money that I do not owe. These actions are in clear violation and, at the time, render me unable to pay my proper debts. 

XXXX XXXX XXXX is making wildly fraudulent demands, and should be appropriately reprimanded for their unethical, predatory, and potentially illegal behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently noticed in the past couple of days that credit inquiry 's for credit cards have been tried to apply from in California, as well as they hit my bank account for {$5.00} for a purchase from a XXXX XXXX XXXX app from California as well and has put my account into the negative. I use to have a lot of inquiry 's and withdraws from my bank accounts a lot and had to have my accounts monitored. for theft activity and it looks like they are doing it again, and I have to stop them because XXXX is right around the corner and I ca n't afford to lose my money again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitalone got a decision from your company they didnt like. when I disputed fraud charges now capitalone put charges of XXXX on a capitalone card, that was shut off in XXXX. When i filed the original dispute against capitalone dispute. 
Through experian they are lowering my good credit standing daily for a XXXX charge on a card that I did not authorize, on a card that has been turned off since XX/XX/2023. I turned off all XXXX of my capital one cards in XXXX, and I notified all XXXX credit reporting agencies the cards are closed. when I found fraud with their company with my XXXX XXXX bank account. 
XXXX knows the card was turned off when capitalone presented a false charge of XXXX. 
XXXX is lowering my credit rating daily. On a charge I didn't authorize on a card I registered with then to be closed.
Product: Mortgage

XXXX. The owner has been trying to get Ditech to pay us so we can get started but can not get them to release the funds they have in escrow from the insurance company. The owners have given me authorization to speak with the mortgage company on their behalf. The autho letter was sent last week along with me faxing it today. They tell me it will take up to a week before they can speak with me. The owner has been waiting for them to pecessour first draw for well over 2 months now. They have the money but keep adding to the requirements to get it.
Product: Mortgage

There appears to be a lack of accountability and a lack quality control around processes and procedures in addition to UDAAP violations involving borrower whose hardship is clearly defined as UNEMPLOYED. Please READ below and provide the appropriate resolution to the imminent issue brought before RUSHMORE SERVICING on or around XX/XX/XXXX dating back to XX/XX/XXXX. 

PREFACE : The borrower was indeed repeatedly misinformed and intentionally misguided by RUSHMORE SERVICING and subsequently XXXX XXXX  over the course of 90 days. Both servicers repeatedly presented barriers to prevent the completion of required SFB Forbearance. The scope of the violations are clearly defined in the CFPB procedural codes as follows but not limited to 1024.41 ( c ) ( 2 ) ( iv ) and 1024.41 ( k ) ( 2 ) ( ii ) ( b ) and in compliance with FHA SFH ( Title III.A.2.j.iii ) policy guidelines and the ML dated XX/XX/XXXX. The borrower repeatedly stated hardship, provided written documentation from the borrower, and the due diligence governing body validating and substantiating the hardship claim of ( unemployment and NO continuous INCOME ) or verified means of repayment as REQUIRED for steps 1 and 2 of the waterfall and financial analysis calculation ; as well as RUSHMORE SERVICING having access to the Federal Bureau of Labor Statistics inflation report to determine the increase in the cost of living relative to the CPI. 

FHA GUIDELINES : The federal guidelines clearly state in ( Title III.A.2.k.iv ) The Mortgagee may offer the Borrower an Informal or Formal Forbearance prior to reviewing the Borrower for a COVID-19 Recovery Home Retention Option. If the Borrowers financial hardship is due to unemployment regardless of occupancy status, the Mortgagee MUST OFFER the SFB-Unemployment to eligible Borrowers PRIOR to reviewing the Borrower for a COVID-19 Recovery Home Retention Option. The Mortgagee must ensure all requirements for a Special ForbearanceUnemployment are met except for the occupancy requirement and the Defaulted Mortgage Status. The Mortgage must meet the following conditions at the time the Mortgagee approves the SFB-Unemployment Option : - be no more than 12 months due and unpaid ; and not be in foreclosure, or foreclosure action has been suspended or canceled. - Cleared of having NO delinquent debt ( mortgage in default or imminent default CAN NOT be considered delinquent non-tax federal debt ) - HAMPS are SUSPENDED and NO HAMPS of any kind can be offered until after XX/XX/XXXX. - Partial Claim requires the ability to resume monthly payments at current rate or less given there is verified continuous income at the time of consideration to support the resumption of monthly payments within 30 days of signed agreement. - SFDMS disposition AB67 and AR98 NOT AR50 or AR53 Follow-Up XXXX
Product: Checking or savings account

In XXXX of XXXX, I was approached by a stranger I " met '' online. I was told that I would be sent money an amount a little over {$3000.00} ( which I was ) I was told to take the money that was deposited into my account ( via mobile check deposit ) and send it out to other people and then I would be given more money afterwards. The checks that were deposited were fake ( not to my knowledge ) the money was made available by the bank and I was prompted to both XXXX  and XXXX  payments to other people. I was XXXX and nave at the time, a XXXX XXXX with bills and financial obligations and I thought this was a quick fix. I did not have the means to pay that amount back during this incident, and 3 years later I am still unable to pay the money back. I was unaware that I was apart of a money mule scam and my account had been targeted ; some of the money that was taken when the check were returned was my own. The bank knowingly processed these fraudulent checks on my behalf, instead of looking into these amounts ( as I have never had anything over {$1000.00} in my account at the time ) the money was processed into my account, it was discovered the checks were fraudulent, and i was slapped with numerous inflated overdraft fees, on top of the account being overdrawn because the money was fake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've obtained a copy of my consumer credit report the major three credit bureaus and making sure the information was accurate according to USC title 15 168 ( 5 ) I've waited 30 days to receive the investigation results which everything was still reporting the exact same as the previous month. The credit agencies Exquifax, XXXX and XXXX did not complete and modify or remove items on my credit report. 

The primary information being reported are not correct such as the open date, date last active, date of payment history. 

These are violations of the Fair Credit Reporting Act, which is harming me from purchasing a home for my family. 

These accts are : XXXX XXXX # XXXX, {$670.00}, {$240.00} and XXXX XXXX XXXX # XXXX {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX for over a year. The dispute keeps coming back verified when it's not. I have reached out to the creditor and asked for the original documents saying I owe the debt and they have yet to furnish it. On XX/XX/23 I faxed a letter saying to provide me with documents and proof of delivery, but instead of providing me what I asked for they mailed me a letter about another account that's not even with them. Not only are they refusing to mail me documentation, but they are also refusing to talk to me over the phone to correct the issue. The creditor also has changed the status of the account and the date of the last activity when there has been no activity.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I had a qualifying purchase post to my account for {$2300.00}. This was a purchase for XXXX Cruises on my XXXX credit card, which is a rewards card for XXXX XXXX lines. The rewards program allows the cardholder to redeem points for statement credits on qualifying purchases. Purchases with XXXX XXXX XXXX specifically are entitled to a greater rewards period, allowing for XXXX the point value depending on the qualifying purchase amount. This purchase amount qualifies for XXXX times the value, so a substantial statement credit of several XXXX dollars. 

XXXX has been having significant issues with this rewards program. They made changes to it XXXX which were properly disclosed ) in XXXX and the program has been broken ever since. Purchases from XXXX do not flow over to the rewards redemption portal for processing. I personlly know this to be fact for XXXX reasons : First, I have experienced this problem before ( see their case XXXX initially opened on XXXX/XXXX/XXXX - which was not resolved until XXXX days later XXXX, XXXX ; There is a discussion forum online XXXX XXXX XXXX dedicated to issues with this rewards program with XXXX and XXXX. 

XXXX states that it can take up to 7 days for eligible purchase to populate in the Rewards portal for point redemption. 

Knowing that I was going to have a battle on my hands based on my prior experience, I opened a case with their customer service team on XXXX/XXXX/XXXX indicating that my qualifying purchase was not available for rewards redemption. I received back a canned response. I inquired in to the status of the case on XXXX and received another canned response. 

Today, XXXX. I received notice in the mail that the matter had been resolved, which is false. The qualifying purchase is still not available for me to redeem points against at XXXX times their value. Because the rewards program is not transparent ( points are redeemed in tiers and this is not clearly disclosed in the program description ), I can not clearly state a firm dollar amount of what the credit should be, but with my purchase of {$2300.00} I know it will be a statement credit of several XXXX dollars. We have been cardholders for years and, until they changed the program, have a history of redeeming points for similar amounts that exceeded {$600.00} in rewards value. This is a substantial amount of money we 're owed via a statement credit. 

Because of my inability to redeem rewards points against a qualifying purchase, I am carrying a higher balance on my card than I otherwise would be. This is resulting in the account accruing interest at an APR of 11.24 %. We have been harmed by the accrued interest, unclear program disclosures, and a rewards program that does not function as disclosed. 

Once again today ( XXXX ) I have inquired in to the status of my open case and DEMANDED that they resolve the matter as we are approaching 30 days from the date of the purchase. I also notified them that I would be filing this complaint.
Product: Debt collection

My husband and I struggled to make payments to the apartment due to Covid-19 job loss and XXXX. We let the apartments know immediately but we were constantly being harassed and threatened despite having several Covid-19 moratoriums we properly submitted to the leasing office they would threaten to evict us and constantly call all day begging for any kind of payment when we were told they should not be given not one penny because they were being paid off by XXXX XXXX XXXX and were paid thousands of dollars for several months of rent. Despite being paid off they proceeded to harass us and send our account to evictions. We had an attorney through the assistance program whom was able to prove all monies were paid prior to being sent to evictions and we were cleared. After this they continued to make threatening calls and harass us for money and unlawfully went into our apartments and falsely said we had abandoned our apartment and threw away our clothes and several items we had in the apartment like kitchenware and other goods. Even though we still had the Covid-19 moratorium they locked us out of our apartments and sent us to collections. This company has been paid off by XXXX XXXX and had no right to enter our residence while we were gone and take our things and lock us out.
Product: Credit reporting

I have disputed my name with Equifax on numerous occasions and most recently in XX/XX/XXXX 2015. Equifax is reporting me as XXXX. which I have never been XXXX. nor have I claimed to be XXXX I put in a report with the Consumer Finance Protection Bureau in XXXX 2015 against Equifax for not correcting my name. Equifax reported back to the CFPB that they were correcting this concern which they did but within a couple of weeks they changed it back XXXX. I am being harassed by Equifax because I have called them out on their illegal and unethical practices. At this point they have left me with no other option but to pursue litigation against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seeking rentals and FHA first time homebuyers mortgages. Seeking these living residences will create hundreds of inquiries. Every apartment application requests to pull credit credit numerous credit inquiries. Each inquiry drops the credit score by five to seven points. Seeking a living residence and apartment rentals can completely eliminate a consumers credit scores. I am complaining about this abusive use of credit score declination. This credit score killing stays on the credit report for twenty four months and remains on the credit report for two years. The inquiries drop the score for twenty four months.
Product: Credit card or prepaid card

AMEX abruptly canceled two of my credit cards and eliminated all my reward points while denying payback for unused Annual fee. Over {$1300.00} is LOSSES and problem escalated to CEO XXXX XXXX who ignored my direct request for : 1. Arbitration 2. Written transcript of " allege '' comments 3. Reimbursement of LOST reward points, Annual fee, and blue of credit score dropping over XXXX points. 
XXXX. Cancelation of two Credit Card accounts AMEX XXXX XXXX  and Hilton Honor ) XXXX  - xxx- XXXX ; Hilton Honor - XXXX ( BOTH accounts closed in XX/XX/2021 XXXX. 

Unethical to make an accusation and NOT give a 20 year customer any communication or or evidence or opportunity to resolve conflict. 

CEO Mr XXXX has been notified who once personally thanks me for giving feedback to AMEX and now ignores me complete. AMEX " lower level assistant '' ignore written feedback and won't identify them selves. Elementary and bullying agency after 20 years of commitment.
Product: Mortgage

In order to resolve a long standing issue we had with Stonegate Mortgage they offered us a refund of four months of interest on XXXX/XXXX/XXXX. That email requested that we confirm that we would consider the matter closed by accepting those terms and we responded accordingly that same day. The following day, they sent us a formal letter ( attached ) with those same terms via the XXXX complaint that we had open. The week of XXXX/XXXX/XXXX we received a check from Stonegate Mortgage, but it was nowhere near the amount they offered us and to which we agreed. The check was in the amount of {$690.00} and we paid nearly {$1900.00} in interest over those four months. We emailed the executives and attorneys that were copied in on the letter concerning the discrepancy XXXX/XXXX/XXXX. We were essentially told what was stated in the offer was not what they meant, we responded reiterating the terms we agreed to, and they stopped responding despite several follow up emails.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was a victim of this data breach and has done nothing. I can no longer be verified by using my very own social security number, name, and XXXX due to this. 

XXXX. XXXXXXXX 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: Checking or savings account

I have attempted to close my PNC checking account XXXX XXXX times through all possible methods : in-person at the branch and by calling the local branch directly ( XXXX ). In every single instance, PNC Bank has said that they have " closed '' the account but actually have not done so. I have zeroed out the account twice with a balance of {$0.00} and PNC still refuses to respond to my requests for account closure. Despite my XXXX requests to close the account, PNC charged me a {$7.00} checking account fee on XX/XX/year>. 

On XX/XX/year>, I spoke with branch banker XXXX XXXX ( XXXX ID XXXX ) at the PNC Bank located at XXXX XXXX, XXXX XXXX, NY XXXX. He said that I was unable to close my account because it contained {$0.00}. I was charged a {$7.00} checking account fee on XX/XX/year> and zeroed out the account shortly after, visiting an ATM to withdraw all remaining cash. Apparently, this XXXX bank has a policy where they can not close an account on the same day it is zeroed out, which sounds to me like a limp excuse to XXXX people out of their time and cash. On XX/XX/year> I called the same branch and spoke to XXXX again who strongly reassured me that my accounts ending in XXXX, XXXX, and XXXX were closed at that time. Color my shock when lying PNC Bank accepted a deposit of {$9.00} on XX/XX/year> to my XXXX checking account when it should have bounced back, forcing me yet again to jump through hoops on phone payment apps just to get the account to {$10.00} so I can visit an ATM to close it out again. So I did that yesterday and contacted the branch for a third time this morning on XX/XX/year>. I spoke to both the branch " manager '' XXXX and the branch " banker '' XXXX XXXX and yet again I have been informed that my account will not be closed until tomorrow morning, XX/XX/year>. This is absolutely unacceptable and I want my checking account closed NOW. Not the banker 's " now '' which apparently means " in six months while we steal from you via account fees '', I mean IMMEDIATELY, AT THIS MOMENT, RIGHT AWAY. XXXX XXXX. 

I assume the account will not be closed because PNC Bank is run by XXXX liars who think they're so smart but are in fact little more than XXXX XXXX XXXX XXXX. I look forward to their call in response to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX and XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I am trying to get a loan modification from U.S. Bank. The property was originally my primary residence, but a job transfer forced me to move. I now have it rented for much less XXXX {$900.00} XXXX than the mortgage payment. The loan was originally a 5-year interest only ARM. After 5 years, it converted to a 25 year at 6.6 %. If this was a XXXXFHA, I would be able to get it modified at rates close to market rates. However, since it is owned by U.S. Bank XXXX portfolio loan ), I have to go through them. U.S. Bank has been a disaster to work with. I applied for a modification and was denied and no one can explain the reason to me. They calculated my XXXX at 16 % ( but that does n't include primary residence mortgage or another property that I have as an " accidental landlord '' due to job transfer ). No one there XXXX customer service, escalation, etc. ) can tell me how they came up with the DTI number used to deny my loan modification. It was been an awful customer experience, with no one at U.S. Bank able/empowered to make a decision or give me any information.